Buying a House in Portugal

Buying a house in Portugal is the biggest investment for many emigrants. The process differs in important ways from the Netherlands.

Main steps:

1. Apply for NIF (essential)
2. Open Portuguese bank account
3. Viewings and due diligence
4. Sign CPCV (promissory contract) + deposit (10-30%)
5. Escritura (final deed) at notary
6. Registration at Conservatória

Costs:

• IMT (transfer tax): 0-8% of value
• Stamp duty: 0.8%
• Notary costs: €500-€1000
• Registration: €250
• Lawyer: €500-€1500