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Buy Property in Portugal
Effortlessly buy property in Portugal with personalized legal guidance at every step.
Buy Property in Portugal
Effortlessly buy property in Portugal with personalized legal guidance at every step.
Why Purchase Property in Portugal?
Portugal isn’t just a place—it’s a lifestyle. With its stunning coastlines, vibrant cities, and a booming real estate market, it’s the perfect destination for homebuyers and investors alike. Whether you’re after a holiday retreat, a permanent residence, or a profitable investment property, Portugal welcomes you. Now’s the time to make your move.
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Over 45 Experienced Lawyers
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Embrace Borderless Opportunities with Lexidy
Embrace Borderless Opportunities with Lexidy
Buying Property in Portugal: The Process
1. Tax and Budget Planning
Understanding the financial implications is crucial. In Portugal, the buyer typically pays most taxes and fees, which can include:
- Property transfer tax (1% to 8%, depending on the purchase price)
- Stamp duty of 0.8%
- Notary costs, title deed tax, and land registration fee (1% to 2.5%)
2. Obtain a NIF and Open a Bank Account
A Portuguese Tax ID (NIF) is mandatory, and a local bank account makes it easier to manage the purchase. Our team can handle this for you seamlessly.
3. Property Search
Leverage our lawyers’ local knowledge to find the perfect property, while we protect your interests throughout the search and purchase process.
4. Mortgage Considerations
If you are considering financing your purchase through a mortgage, note that individuals 30 years old or younger can negotiate terms up to 40 years (depending on the bank).
5. Reservation Agreement and Letter of Intent
Secure the property with a reservation agreement that prevents the seller from listing it elsewhere. Our lawyers will draft a Letter of Intent that safeguards your interests, accommodating any changes in circumstances for you or the seller.
6. Due Diligence
Our real estate lawyers conduct thorough due diligence to uncover any hidden debts, assess the asset’s quality, and explore potential tax reliefs. This step is also crucial for negotiating price and other key terms.
7. Sign a Promissory Agreement
Commit to the purchase with a down payment, serving as a guarantee for both parties involved.
8. Sign the Purchase Deed
Finalize the transaction by meeting at the Public Notary’s Office to sign the purchase deed, formally transferring ownership.
9. Post-Purchase Formalities
Once the property is yours, register it with the tax authorities, settle all necessary taxes, arrange utility services, and obtain proper insurance coverage.
Buying Property in Portugal as a Foreigner
Buying Property in Portugal as a Foreigner
Navigate the steps involved in buying property in Portugal with our concise video guide. Learn about each phase, from tax planning and securing an NIF to finalizing your purchase, ensuring you’re well-prepared for your property journey.
How Can A Lawyer Help Me Buy Property in Portugal?
Buying property in a foreign country can feel overwhelming—but it doesn’t have to. With the right legal partner, the process becomes straightforward and empowering.
We’re here to cut through the noise and give you the clarity you need to make confident decisions. Here’s how we do it:
Reviewing and Explaining Legal Documents
Legal jargon? We translate it into plain language. Our lawyers break down contracts, title deeds, and every document you’ll sign, so you’re never left guessing. You’ll know exactly what you’re committing to.
Negotiating on Your Behalf
Tired of playing hardball? Let us do the heavy lifting. Our legal team negotiates fiercely on your behalf, ensuring you get the best deal while keeping your interests at the forefront.
Checking for Encumbrances
We leave no stone unturned. Our thorough checks make sure the property is free from hidden debts, legal issues, or nasty surprises. You can move forward with peace of mind.
Assisting with the Transfer of Ownership
Paperwork slowing you down? We streamline the entire ownership transfer process, handling every legal detail and cutting through red tape so you can focus on celebrating your new home.
Advising on Tax Implications
Taxes don’t have to be a headache. Our team will walk you through all tax obligations—from stamp duty to capital gains—so you can maximize benefits and avoid any surprises down the road.
Ready to make your move in Portugal? We’ll handle the legal work so you can focus on finding your dream property, worry-free.
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How it Works
1
Assess Your Eligibility
Start by determining your eligibility with a focused consultation. Your dedicated Legal Advisor will understand your situation and explore possible legal paths.
2
Service Presentation and Proposal
Receive a detailed presentation of our services tailored to your needs, complete with a fixed-price proposal to ensure no surprises.
3
Begin Your Journey
Your dedicated lawyer will guide you through every step, handling all legalities as you confidently move forward.
How it Works
1
Assess Your Eligibility
Start by determining your eligibility with a focused consultation. Your dedicated Legal Advisor will understand your situation and explore possible legal paths.
2
Service Presentation and Proposal
Receive a detailed presentation of our services tailored to your needs, complete with a fixed-price proposal to ensure no surprises.
3
Begin Your Journey
How it Works
1
Assess Your Eligibility
Start by determining your eligibility with a focused consultation. Your dedicated Legal Advisor will understand your situation and explore possible legal paths.
2
Service Presentation and Proposal
Receive a detailed presentation of our services tailored to your needs, complete with a fixed-price proposal to ensure no surprises.
3
Begin Your Journey
Your dedicated lawyer will guide you through every step, handling all legalities as you confidently move forward.
How it Works
1
Assess Your Eligibility
Start by determining your eligibility with a focused consultation. Your dedicated Legal Advisor will understand your situation and explore possible legal paths.
2
Service Presentation and Proposal
Receive a detailed presentation of our services tailored to your needs, complete with a fixed-price proposal to ensure no surprises.
3
Begin Your Journey
Kickstart Your Portugal Property Purchase
Your property journey in Portugal starts now. Let our expert team guide you through every step with confidence, clarity, and care.
Clients Frequently Choose
Tax Consultation
Dodge tax surprises with our thorough tax consultation services. Receive expert advice and strategic planning to ensure a seamless tax season and financial peace of mind.
Discover our Long-Term Program
Join Lexidy’s Long-Term Program now and enter a world of enhanced, efficient, and personalized legal services. Unlock a range of premium benefits:
- 10% discount on your next service.
- Invites to our office events and networking.
- Personalized reminders and service upkeep, fewer worries.
- Free Consultation.
- Fast-tracking and client priority (Responses to queries within 24 hours from our multilingual, expert legal team).
Guiding You Each Step of The Way
Guiding You Each Step of The Way
Cut through the complexities of purchasing property in Portugal. With local offices in key locations, receive clear, straightforward legal guidance exactly where you need it.
Barcelona
- Avinguda Diagonal, 442, 3º 1ª, Barcelona, 08037
- +34 938 07 40 56
Madrid
- Calle Villalar 7, Bajo Izquierda, Madrid, 28001
- +34 915 367 806
Málaga
- Paseo de Reding, número 43, 1º Planta, Puerta Izquierda, 29016
- +34 951 12 53 70
Lisbon
- Rua Joaquim António de Aguiar n.º 43, RC Esq, Lisbon, 1070-150
- +351 21 027 0734
Porto
- R. do Mal. Saldanha 109 office 5, 4150-025 Porto, Portugal
- +351 21 027 0733
Athens
- Patriarchou Ioakeim 25 Street, Kolonaki, Athens, 10675
- +30 21 1199 5654
Paris
- 21bis Boulevard de Port Royal, 75013 Paris
- +33 1 76 40 35 43
Milan
- Via California 23, 5th Floor, 20144 Milan MI, Italy
- +39 02 8295 6347
Mexico
- Blvd. Manuel Ávila Camacho 137, Piso 3 Comunal, Polanco III Secc, Miguel Hidalgo, 11550 Ciudad de México, CDMX
- +52 55 8957 7841
Frequently Asked Questions
1. What are the key legal requirements to purchase property in Portugal?
To purchase property in Portugal, you will need a Portuguese Tax Identification Number (NIF), which is mandatory for all property transactions. Additionally, due diligence is required, including checks for encumbrances and legal ownership verification. A promissory contract (Contrato de Promessa de Compra e Venda) is usually signed, which legally binds both parties to the transaction.
2. How can I finance my property purchase in Portugal?
Financing options for property purchases in Portugal include obtaining a mortgage from local Portuguese banks or international lenders. Typically, non-residents can borrow up to 70% of the property’s value, and the process involves presenting proof of income and undergoing a credit check. Interest rates and terms can vary, so it’s advisable to shop around or use a mortgage broker.
3. What are the typical costs involved in buying property in Portugal?
Beyond the purchase price, buyers should budget for several additional costs:
- IMT (Property Transfer Tax): Ranges from 0% to 8% of the property price, depending on the property type and value.
- Stamp Duty: Generally 0.8% of the property value.
- Notary and Registration Fees: Usually 1% to 2% of the property value.
- Legal Fees: Typically 1% to 2% of the purchase price, depending on the complexity of the transaction.
- Real Estate Agent Fees: Generally paid by the seller, but it’s important to confirm this as practices can vary.
4. How long does the process take to buy property in Portugal?
The property buying process in Portugal can take between 1 to 3 months from the initial agreement to completion, depending on various factors such as mortgage approval and legal checks. The signing of the deed (Escritura) and final registration can add additional time.
5. Can I obtain residency by buying property in Portugal as a foreigner?
While the Golden Visa program through property investment has been phased out, other forms of investment might still qualify for a residency permit under different conditions. Additionally, other visas, such as the D7 (income-based) visa, are available for individuals who can demonstrate a regular income or significant financial means.