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Here are the most frequently asked questions about buying in portugal

Absolutely! Portugal offers a resounding “YES” to foreigners interested in purchasing a home in the country. What makes Portugal particularly appealing is the absence of any restrictions for foreign buyers. In fact, the Portuguese government actively encourages foreign investment in real estate through the Golden Visa program. As a non-EU citizen, you have the opportunity to obtain a Golden Visa residence permit by investing in property of a specified value. With this permit, you gain the freedom to reside, work, and study in Portugal, as well as unrestricted travel across the Schengen area. After five years, you become eligible for permanent residence or even citizenship in Portugal. Our comprehensive guide covers market history, prime locations, and the necessary legal steps for acquiring a property in Portugal.

  1. A Casa or a Moradia denotes a typical detached home, often accompanied by amenities like a backyard or patio, and usually enclosed by a wall with a front gate.

  2. A Casa Geminada represents a semi-detached house.

  3. Condomínios or condos are individual apartment units that share common areas. While they can be costly, they offer a higher standard of care and safety in return.

  4. Quintas refer to classic rustic houses or farms, commonly found in the inland areas of the country, with some also located in suburban regions.

  5. Terreno translates to land. Some foreigners opt to purchase land and construct their own homes. In such cases, it is essential to verify with the city hall (Câmara Municipal) to confirm that the land is registered for habitation, not agricultural purposes.

To stimulate economic growth, numerous major Portuguese lenders are eager to offer mortgages to eligible individuals, including foreigners, interested in investing in Portuguese property. Residents can enjoy loan terms of up to 50 years, while non-residents have a maximum term of 30 years. However, the loan must be repaid by a certain age, typically ranging between 70 and 80, depending on the mortgage provider.

Regarding the deposit or down payment, it varies based on the lender, with borrowing ranging from 60 percent to 80 percent of the property value. Consequently, a minimum deposit of 20 percent is required. There are various types of mortgages available, providing the option to choose between variable or fixed rates.

The Portugal Golden Visa Program is approaching its end, with an expected expiration sometime in 2023. Though the exact timeline remains unclear, recent indications suggest that the new law will not apply retrospectively. As a result, applications will continue to be accepted until the law is officially published. Pending applications and renewals will be transformed into a D2 Entrepreneur’s Permit, maintaining the existing requirement of 7-day per year residency. Legal experts emphasize the importance of acting quickly to seize this opportunity.

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