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.

4 Luxury Homes for Sale in Setubal from 1,525,000 €

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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 €

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

Farm 3,190,000 m² in Alcácer do Sal

Alcácer do Sal, Setubal, Portugal

2,985,000 €

Land area: 3,190,000 m²

Elvira Gracheva

Head of Sales Tranio Europe

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Residential complex

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

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Cascais, Lisbon, Portugal

From 5,600,000 €

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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

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Completion in: 2028.II

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

Cascais, Lisbon, Portugal

From 4,000,000 €

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Completion in: 2028.I

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

Cascais, Lisbon, Portugal

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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

4-room villa 372 m² in Loule

Loule, Faro, Portugal

2,250,000 €

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

5-room villa 535 m² in Vilamoura

Vilamoura, Faro, Portugal

1,950,000 €

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

6-bedroom villa 374 m² in Lisbon

Lisbon, Portugal

1,800,000 €

Total area 374 m² · Land area: 565 m² · 6 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 190 m² in Leiria

Leiria, Portugal

1,500,000 €

Total area 190 m² · Land area: 881 m² · 3 bedrooms · 3 bathrooms

3-bedroom villa 185 m² in Leiria

Leiria, Portugal

1,500,000 €

Total area 185 m² · Land area: 1,059 m² · 3 bedrooms · 3 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

6-bedroom villa 475 m² in Cascais

Cascais, Lisbon, Portugal

5,100,000 €

Total area 475 m² · Land area: 900 m² · 6 bedrooms · 7 bathrooms

6-bedroom villa 695 m² in Evora

Evora, Alentejo Region, Portugal

1,500,000 €

Total area 695 m² · Land area: 1,758 m² · 6 bedrooms · 3 bathrooms

2-bedroom villa 106 m² in Cascais

Cascais, Lisbon, Portugal

3,000,000 €

Total area 106 m² · Land area: 131 m² · 2 bedrooms · 2 bathrooms

5-bedroom villa 333 m² in Alcabideche

Alcabideche, Lisbon, Portugal

2,150,000 €

Total area 333 m² · Land area: 473 m² · 5 bedrooms · 5 bathrooms

5-bedroom villa 333 m² in Alcabideche

Alcabideche, Lisbon, Portugal

2,200,000 €

Total area 333 m² · Land area: 473 m² · 5 bedrooms · 5 bathrooms

5-bedroom villa 333 m² in Alcabideche

Alcabideche, Lisbon, Portugal

2,150,000 €

Total area 333 m² · Land area: 473 m² · 5 bedrooms · 5 bathrooms

5-bedroom cottage 365 m² in Cascais

Cascais, Lisbon, Portugal

2,385,000 €

Total area 365 m² · Land area: 1,108 m² · 5 bedrooms · 6 bathrooms

6-bedroom cottage 540 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

1,750,000 €

Total area 540 m² · Land area: 1,540 m² · 6 bedrooms · 7 bathrooms

4-bedroom cottage 450 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

1,750,000 €

Total area 450 m² · Land area: 1,143 m² · 4 bedrooms · 4 bathrooms

Farm 5,188 m² in Vila do Conde

Vila do Conde, Porto, Portugal

4,750,000 €

Total area 937 m² · Land area: 5,188 m² · 10 bedrooms · 8 bathrooms

4-bedroom cottage 300 m² in Lagos

Lagos, Faro, Portugal

2,400,000 €

Total area 300 m² · Land area: 642 m² · 4 bedrooms · 3 bathrooms

4-bedroom cottage 300 m² in Lagos

Lagos, Faro, Portugal

2,400,000 €

Total area 300 m² · Land area: 568 m² · 4 bedrooms · 3 bathrooms

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Luxury homes for sale in Setubal