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Foreign buyer guide — process, taxes, mortgages, Golden Visa, AL, energy certificate
Step-by-step guide to buying property in Portugal as a foreign or non-resident buyer in 2026. Covers the CPCV promissory contract, Casa Pronta and the escritura, due-diligence documents, IMT and IMT Jovem, Imposto de Selo, the annual IMI and AIMI taxes, mortgages and the Banco de Portugal macroprudential limits, the post-2023 status of the Golden Visa, Alojamento Local rules under Decreto-Lei n.º 76/2024, the energy certificate, and what changed for foreign buyers.
This page is informational only and not legal, tax or financial advice. Property law, tax rates and registry fees are amended frequently — particularly through the annual State Budget. Always confirm current numbers with Portal das Finanças and IRN, and engage a Portuguese lawyer (Ordem dos Advogados) and accountant before signing anything.
There is no nationality restriction on owning property in Portugal. EU and non-EU foreigners can buy any type of property. All buyers must have a Portuguese NIF (tax number) and a way to pay — typically a Portuguese bank account or a SEPA transfer to a solicitor's escrow account.