Can foreign nationals take out mortgage loans in Setubal?

Yes, non-residents can be issued a mortgage loan to buy property in Setubal. Special terms of mortgage lending for non-residents — the loan term up to 75 years of age for the eldest borrower and a down payment of 40–50%. The mortgage rate is a floating one, of 3% for residential properties and 5% for the commercial ones.

How does the purchasing process take place when buying a house in Setubal?

Before the purchase, it is necessary to hire a lawyer who would help you get the paperwork done. Having chosen the property, you need to open a local bank account and receive a tax identification number. First, a preliminary sales agreement is signed, a deposit equalling to 10–30% of the property value is placed, and the municipal taxes are paid. The deposit is non-refundable if the buyer decides not to purchase. All agreements ought to be notarised. Between signing the preliminary and main sales agreements, the lawyer completes the property Due Diligence and checks the availability of all the documents for the property. When signing the main agreement, the remaining transaction amount is paid, after which the property can be registered with the land registry office and a title deed can be obtained.

What property taxes are there in Portugal?

Property buyers pay a stamp duty (Imposto do Selo, IS) — 0,8% and a title deed transfer tax (Imposto Municipal sobre Transmissões, IMT) — 6,0 – 6,5%. After the purchase, an annual real estate tax (Imposto Municipal sobre os Imóveis, IMI) ranging from 0.3 to 0.8% across property types and municipalities, has to be paid. These three taxes — are everything that is paid by property owners. When selling real estate, non-resident owners pay the capital gain tax, chargeable from the difference between the purchase price and the sales price at a rate of 28%. The inheritance and gift taxes are not levied from spouses, children, parents and grandchildren, the other categories pay them at a rate of 10% (which is considered low).

How expensive are the utilities in Setubal?

The utility costs vary across locations. For example, an average bill for an 50–60 m² house totals about € 100-130 per month.

How can a house buyer obtain Portuguese citizenship?

It is possible to apply for permanent residency after five years of residence in the country. After six years of residence it is possible to apply for citizenship. But these procedures are not interrelated. Holding a temporary residence or permanent residence permit does not lead to obtaining citizenship. Only following the rules of stay in the country (over 183 days per year for six years) can give hope for obtaining Portuguese citizenship.

Can foreign nationals lease houses in Portugal?

Yes, of course. The owner's right to administer their property is not limited in any way.

What types of Portuguese property are better to invest in for rental purposes?

The most suitable for rental purposes are the houses located in the resort areas, such as the Algarve, Faro, Lagos, on the entire southern coast and the capital of the country, Lisbon.

Why do I need to own a house in Portugal?

The Portuguese property market is one of the European real estate markets that have been growing most actively over the past few years. Therefore, real estate investments are very profitable in the country.

9 Houses for Sale in Setubal, Buy Villa from 590,000 €

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Residential complex

Exclusive villa complex surrounded by a nature reserve, Comporta, Portugal

Comporta, Setubal, Portugal

From 4,300,000 €

Total 15 units available from the developer

Built in 2024

Villas from 4,300,000 €

Residential complex

Duplex villas with pools, ocean and golf course views in Almada, Setubal, Portugal

Almada, Setubal, Portugal

From 1,445,000 €

Total 71 units available from the developer

Completion in: 2028.II

Villas from 1,445,000 €

4-bedroom villa 260 m² in Setubal (city)

Setubal (city), Setubal, Portugal

1,320,000 €

Total area 260 m² · Land area: 1,053 m² · 4 bedrooms · 4 bathrooms

7-bedroom villa 294 m² in Setubal (city)

Setubal (city), Setubal, Portugal

590,000 €

Total area 294 m² · Land area: 885 m² · 7 bedrooms · 2 bathrooms

Farm 47,000 m² in Setubal (city)

Setubal (city), Setubal, Portugal

990,000 €

Total area 300 m² · Land area: 47,000 m² · 5 bedrooms · 2 bathrooms

Farm 121,940 m² in Setubal (city)

Setubal (city), Setubal, Portugal

4,200,000 €

Total area 628 m² · Land area: 121,940 m² · 12 bedrooms · 6 bathrooms

Elvira Gracheva

Head of Sales Tranio Europe

Tranio Projects for Profitable Investments

Sourcing prime properties to match your goals, negotiating exclusive terms, delivering an independent investment analysis.

Book a Consultation

Farm 27,630 m² in Setubal (city)

Setubal (city), Setubal, Portugal

950,000 €

Total area 204 m² · Land area: 27,630 m² · 5 bedrooms · 3 bathrooms

Farm 3,190,000 m² in Alcácer do Sal

Alcácer do Sal, Setubal, Portugal

2,985,000 €

Land area: 3,190,000 m²

House in Alcácer do Sal

Alcácer do Sal, Setubal, Portugal

600,000 €

Land area: 174 m²

Similar facilities nearby

Residential complex

Exclusive villa complex surrounded by a nature reserve, Comporta, Portugal

Comporta, Setubal, Portugal

From 4,300,000 €

Total 15 units available from the developer

Built in 2024

Villas from 4,300,000 €

Residential complex

Luxury villas with pools and gardens, Birre, Cascais, Portugal

Cascais, Lisbon, Portugal

From 5,600,000 €

Total 6 units available from the developer

Completion in: 2028.I

Villas from 5,600,000 €

Residential complex

Duplex villas with pools, ocean and golf course views in Almada, Setubal, Portugal

Almada, Setubal, Portugal

From 1,445,000 €

Total 71 units available from the developer

Completion in: 2028.II

Villas from 1,445,000 €

Residential complex

Prestigious villas with private pools and a shared gym and spa, Cascais, Portugal

Cascais, Lisbon, Portugal

From 4,000,000 €

Total 18 units available from the developer

Completion in: 2028.I

Villas from 4,000,000 €

Residential complex

New residential complex of modern villas with swimming pools in Cascais, Portugal

Cascais, Lisbon, Portugal

From 2,642,000 €

Total 13 units available from the developer

Built in 2026

Villas from 2,642,000 €

Elite villa with a pool with a 5% yield, Algarve, Portugal

Faro City, Faro, Portugal

4,500,000 €

Total area 486 m² · 4 bedrooms · 4 bathrooms

1 month ago

4-room villa 218 m² in Loule

Loule, Faro, Portugal

925,000 €

Total area 218 m² · Land area: 7,062 m² · 4 bathrooms

4-room villa 372 m² in Loule

Loule, Faro, Portugal

2,250,000 €

Total area 372 m² · Land area: 68,892 m² · 3 bathrooms

2 months ago

5-room villa 334 m² in Faro City

Faro City, Faro, Portugal

931,000 €

Total area 334 m² · Land area: 2,480 m² · 4 bathrooms

3 months ago

2-room villa 106 m² in Loule

Loule, Faro, Portugal

699,000 €

Total area 106 m² · Land area: 1,507 m² · 2 bathrooms

1 month ago

3-room villa 161 m² in Boliqueime

Boliqueime, Faro, Portugal

325,000 €

Total area 161 m² · Land area: 844 m² · 3 bathrooms

4-room villa 277 m² in Loule

Loule, Faro, Portugal

650,000 €

Total area 277 m² · Land area: 754 m² · 3 bathrooms

5-room villa 298 m² in Loule

Loule, Faro, Portugal

1,400,000 €

Total area 298 m² · Land area: 2,777 m² · 5 bathrooms

5-room villa 535 m² in Vilamoura

Vilamoura, Faro, Portugal

1,950,000 €

Total area 535 m² · Land area: 710 m² · 5 bathrooms

4-room villa 240 m² in Loule

Loule, Faro, Portugal

550,000 €

Total area 240 m² · Land area: 15,090 m² · 2 bathrooms

3 months ago

4-room villa 270 m² in Boliqueime

Boliqueime, Faro, Portugal

875,000 €

Total area 270 m² · Land area: 933 m² · 3 bathrooms

4-room villa 109 m² in Loule

Loule, Faro, Portugal

630,000 €

Total area 109 m² · Land area: 1,599 m² · 2 bathrooms

2-room villa 119 m² in Loule

Loule, Faro, Portugal

495,000 €

Total area 119 m² · Land area: 1,076 m² · 1 bathroom

3-room villa 206 m² in Loule

Loule, Faro, Portugal

470,000 €

Total area 206 m² · Land area: 4,188 m² · 4 bathrooms

2-room villa 142 m² in Loule

Loule, Faro, Portugal

495,000 €

Total area 142 m² · Land area: 4,100 m² · 2 bathrooms

3-room villa 165 m² in Loule

Loule, Faro, Portugal

630,000 €

Total area 165 m² · Land area: 2,560 m² · 1 bathroom

Stylish four-level house just 800 meters from the beach, Matosinhos, Porto, Portugal

Porto (city), Porto, Portugal

875,000 €

Total area 248 m² · 4 bedrooms · 5 bathrooms

3-bedroom villa 170 m² in Alcabideche

Alcabideche, Lisbon, Portugal

1,590,000 €

Total area 170 m² · Land area: 340 m² · 3 bedrooms · 5 bathrooms

3-bedroom villa 170 m² in Alcabideche

Alcabideche, Lisbon, Portugal

1,670,000 €

Total area 170 m² · Land area: 370 m² · 3 bedrooms · 5 bathrooms

7-bedroom villa 362 m² in Lisbon

Lisbon, Portugal

1,250,000 €

Total area 362 m² · Land area: 20,000 m² · 7 bedrooms · 6 bathrooms

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Villas & houses for sale in Setubal