Can foreign nationals take out mortgage loans in Setubal (city)?

Yes, non-residents can be issued a mortgage loan to buy property in Setubal (city). 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 an apartment in Setubal (city)?

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 (city)?

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

How can an apartment 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 apartments 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 flats and apartments 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 an apartment 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.

1 Bedroom Apartments for Sale in Setubal (city) from 550,000 €

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Sea view

1-bedroom apartment 82 m² in Setubal (city)

Setubal (city), Setubal, Portugal

550,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 99 m² in Setubal (city)

Setubal (city), Setubal, Portugal

550,000 €

Total area 99 m² · 1 bedroom · 1 bathroom

Elvira Gracheva

Head of Sales Tranio Europe

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Residential complex

New complex of turnkey apartments with ocean views in Sesimbra, Setubal, Portugal

Sesimbra, Setubal, Portugal

From 391,000 €

Total 46 units available from the developer

Built in 2026

Studios from 391,000 €

3 bedrooms from 912,000 €

Sea view

1-bedroom apartment 82 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 82 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 82 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 99 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 99 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 104 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 104 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 104 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 104 m² · 1 bedroom · 1 bathroom

1-bedroom loft 61 m² in Seixal

Seixal, Setubal, Portugal

405,000 €

Total area 61 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 56 m² in Seixal

Seixal, Setubal, Portugal

325,000 €

Total area 56 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 56 m² in Seixal

Seixal, Setubal, Portugal

310,000 €

Total area 56 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 60 m² in Seixal

Seixal, Setubal, Portugal

310,000 €

Total area 60 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 56 m² in Seixal

Seixal, Setubal, Portugal

315,000 €

Total area 56 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 134 m² in Seixal

Seixal, Setubal, Portugal

610,000 €

Total area 134 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 82 m² in Seixal

Seixal, Setubal, Portugal

325,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 74 m² in Seixal

Seixal, Setubal, Portugal

345,000 €

Total area 74 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 82 m² in Seixal

Seixal, Setubal, Portugal

325,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 82 m² in Seixal

Seixal, Setubal, Portugal

325,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 55 m² in Seixal

Seixal, Setubal, Portugal

325,000 €

Total area 55 m² · 1 bedroom

With swimming pool

1-bedroom apartment 55 m² in Seixal

Seixal, Setubal, Portugal

325,000 €

Total area 55 m² · 1 bedroom

With swimming pool

1-bedroom apartment 67 m² in Seixal

Seixal, Setubal, Portugal

341,000 €

Total area 67 m² · 1 bedroom

With swimming pool

1-bedroom apartment 59 m² in Seixal

Seixal, Setubal, Portugal

325,000 €

Total area 59 m² · 1 bedroom

With swimming pool

1-bedroom apartment 55 m² in Seixal

Seixal, Setubal, Portugal

315,000 €

Total area 55 m² · 1 bedroom

With swimming pool

1-bedroom apartment 55 m² in Seixal

Seixal, Setubal, Portugal

315,000 €

Total area 55 m² · 1 bedroom

With swimming pool

1-bedroom apartment 66 m² in Seixal

Seixal, Setubal, Portugal

525,000 €

Total area 66 m² · 1 bedroom

With swimming pool

1-bedroom apartment 69 m² in Seixal

Seixal, Setubal, Portugal

530,000 €

Total area 69 m² · 1 bedroom

With swimming pool

1-bedroom apartment 74 m² in Seixal

Seixal, Setubal, Portugal

362,000 €

Total area 74 m² · 1 bedroom

With swimming pool

1-bedroom apartment 82 m² in Seixal

Seixal, Setubal, Portugal

340,000 €

Total area 82 m² · 1 bedroom

With swimming pool

1-bedroom apartment 82 m² in Seixal

Seixal, Setubal, Portugal

340,000 €

Total area 82 m² · 1 bedroom

With swimming pool

1-bedroom apartment 82 m² in Seixal

Seixal, Setubal, Portugal

340,000 €

Total area 82 m² · 1 bedroom

With swimming pool

1-bedroom apartment 113 m² in Seixal

Seixal, Setubal, Portugal

610,000 €

Total area 113 m² · 1 bedroom

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1 bedroom apartments for sale in Setubal (city)