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Composite score based on yield, appreciation potential, market liquidity, and risk factors.
Legal & Tax
Buying as a Foreigner in Lisbon
Foreigners may buy freely
No restrictions on foreign ownership. EU and non-EU citizens can purchase residential and commercial property without limitations.
NHR tax regime available
Non-Habitual Resident status offers 10% flat tax on foreign income for 10 years. Requires spending 183+ days/year in Portugal.
Golden Visa discontinued for residential
As of October 2023, residential property purchases no longer qualify for the Golden Visa programme. Commercial and rehabilitation projects may still qualify.
Transfer tax (IMT) 6–8%
Imposto Municipal sobre Transmissões applies at 6% for properties above €550K, plus 0.8% stamp duty. Budget 7–9% for total acquisition costs.
This information is for general guidance only and does not constitute legal advice. Always consult a qualified local lawyer before purchasing property abroad.
Buyer's Guide
How to Buy in Lisbon
Open to ForeignersNo restrictions on foreign ownership. EU and non-EU citizens can buy freely.
1
Get NIF (Tax ID)Required
Obtain Portuguese tax identification number (NIF) at a local tax office or via a fiscal representative.
1–3 days
2
Open Portuguese bank accountRequired
Required for property purchase. Major banks: Millennium BCP, Novo Banco, Santander Portugal.
1–5 days
3
Sign Promissory Contract (CPCV)Required
Sign Contrato Promessa de Compra e Venda with 10–30% deposit. Legally binding.
1–3 days
4
Final Deed (Escritura)Required
Sign final deed at notary. Pay remaining balance + taxes. Registered at Land Registry (Conservatória).
1 day
Pro tip: The D7 visa is one of Europe's most accessible residency programs. Rental income from your Portuguese property can qualify as the required passive income, creating a self-funding residency pathway.
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