Can foreign nationals take out mortgage loans in Silver Coast?

Yes, non-residents can be issued a mortgage loan to buy property in Silver Coast. 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 property purchasing process take place in Silver Coast?

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 Silver Coast?

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 a property 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 real estate 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 real estate 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.

Property for sale in Silver Coast, Portugal - Buy real estate in Portugal Silver Coast

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Two-storey villa with a swimming pool, a garden and a gym, Sever do Vouga, Portugal for 750,000 €

Two-storey villa with a swimming pool, a garden and a gym, Sever do Vouga, Portugal

750,000 €

£628,000

Total area 665 m²Land area: 2,100 m²4 bedrooms4 bathrooms

Luxury residence with swimming pools and a club in a popular area, Nazaré, Portugal for From 197,000 €

Luxury residence with swimming pools and a club in a popular area, Nazaré, Portugal

From 197,000 €

From £165,000

Completion in: 2026.IITotal of 36 apartments

Residential complex

3 weeks ago

3% discount on apartments

The Community — investment apartments by Aqua Properties with 9,5% yield per annum in the center of the developing area of Motor City, Dubai

From 144,000 €

Completion in: 2025 Yield: 9.0% Apartments in total: 450

Residential complex

3-bedrooms villa 190 m² in Leiria, Portugal for 1,500,000 €

3-bedrooms villa 190 m² in Leiria, Portugal

1,500,000 €

£1,256,000

Total area 190 m²Land area: 881 m²3 bedrooms3 bathrooms

3-bedrooms villa 130 m² in Leiria, Portugal for 775,000 €

3-bedrooms villa 130 m² in Leiria, Portugal

775,000 €

£649,000

Total area 130 m²Land area: 392 m²3 bedrooms3 bathrooms

3-bedrooms villa 138 m² in Leiria, Portugal for 820,000 €

3-bedrooms villa 138 m² in Leiria, Portugal

820,000 €

£687,000

Total area 138 m²Land area: 665 m²3 bedrooms3 bathrooms

3-bedrooms villa 135 m² in Leiria, Portugal for 820,000 €

3-bedrooms villa 135 m² in Leiria, Portugal

820,000 €

£687,000

Total area 135 m²Land area: 562 m²3 bedrooms3 bathrooms

Discounted properties upon request

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3-bedrooms villa 200 m² in Leiria, Portugal for 820,000 €

3-bedrooms villa 200 m² in Leiria, Portugal

820,000 €

£687,000

Total area 200 m²Land area: 775 m²3 bedrooms3 bathrooms

3-bedrooms villa 130 m² in Leiria, Portugal

775,000 €

£649,000

Total area 130 m²Land area: 392 m²3 bedrooms3 bathrooms

3-bedrooms villa 200 m² in Leiria, Portugal for 1,250,000 €

3-bedrooms villa 200 m² in Leiria, Portugal

1,250,000 €

£1,047,000

Total area 200 m²Land area: 775 m²3 bedrooms3 bathrooms

3-bedrooms villa 185 m² in Leiria, Portugal for 1,500,000 €

3-bedrooms villa 185 m² in Leiria, Portugal

1,500,000 €

£1,256,000

Total area 185 m²Land area: 1,059 m²3 bedrooms3 bathrooms

3-bedrooms villa 130 m² in Leiria, Portugal for 820,000 €

3-bedrooms villa 130 m² in Leiria, Portugal

820,000 €

£687,000

Total area 130 m²Land area: 439 m²3 bedrooms3 bathrooms

3-bedrooms villa 125 m² in Leiria, Portugal for 775,000 €

3-bedrooms villa 125 m² in Leiria, Portugal

775,000 €

£649,000

Total area 125 m²Land area: 498 m²3 bedrooms3 bathrooms

3-bedrooms villa 122 m² in Leiria, Portugal for 720,000 €

3-bedrooms villa 122 m² in Leiria, Portugal

720,000 €

£603,000

Total area 122 m²Land area: 153 m²3 bedrooms3 bathrooms

3-bedrooms apartment 135 m² in Leiria, Portugal for 635,000 €

3-bedrooms apartment 135 m² in Leiria, Portugal

635,000 €

£532,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

3-bedrooms apartment 135 m² in Leiria, Portugal

635,000 €

£532,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

3-bedrooms villa 122 m² in Leiria, Portugal

720,000 €

£603,000

Total area 122 m²Land area: 153 m²3 bedrooms3 bathrooms

3-bedrooms villa 122 m² in Leiria, Portugal

720,000 €

£603,000

Total area 122 m²Land area: 153 m²3 bedrooms3 bathrooms

3-bedrooms villa 122 m² in Leiria, Portugal

720,000 €

£603,000

Total area 122 m²Land area: 153 m²3 bedrooms3 bathrooms

3-bedrooms villa 122 m² in Leiria, Portugal

720,000 €

£603,000

Total area 122 m²Land area: 153 m²3 bedrooms3 bathrooms

3-bedrooms villa 122 m² in Leiria, Portugal

720,000 €

£603,000

Total area 122 m²Land area: 153 m²3 bedrooms3 bathrooms

3-bedrooms apartment 135 m² in Leiria, Portugal

635,000 €

£532,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

3-bedrooms apartment 135 m² in Leiria, Portugal for 655,000 €

3-bedrooms apartment 135 m² in Leiria, Portugal

655,000 €

£548,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

3-bedrooms apartment 135 m² in Leiria, Portugal

635,000 €

£532,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

3-bedrooms villa 122 m² in Leiria, Portugal

720,000 €

£603,000

Total area 122 m²Land area: 153 m²3 bedrooms3 bathrooms

3-bedrooms apartment 135 m² in Leiria, Portugal

655,000 €

£548,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

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First and foremost Tranio is a very motivated team of professionals who surely know their job! We are very pleased with their well-coordinated work, timeliness of responses to the questions posed, and willingness to act in case of unusual situations.
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Coldwell Banker
It is with much enthusiasm that I personally recommend Tranio for a professional business collaboration in the ﬁeld of real estate, marketing, acquisition, and ﬁnance. The fundamentals of our business relationship with Tranio were set in 2016. Mundial AG has received the company’s great reputation throughout a number of international business pai’tners and stockholders. Tranio has helped our company to expand its horizons to the global market and has established benchmarks that would extend Mundial AG’s networks. The company has exceptional connections to potential investors and has a proﬁcient team that is capable of forming compound ﬁnancial models that attract ﬁnanciers. The cooperation with Tranio is based on professionalism, effectiveness, and Hypovﬂemsbank scrupulousness. Our experiences with Tranio are encouraging and progressive, which makes them one of our preeminent business paitners.
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Z. Farkas, Mundial AG
We are glad to have a partnership with Tranio! It offers a vast online property base and the best services.

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