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FRDocuments required for a mortgage
Complete list of documents for your mortgage application
Prepare Your Documentation
The documents required to create a financing process can vary significantly from one person to another, or from one situation to another. However, there is a common and essential list for all applicants.
CAFIMO treats each client in a unique and independent way. We know that each request is different and requires a detailed analysis.
Required Documents
Non-exhaustive list that will be complemented by your advisor
Identification
- Identity Card (ID)
- NIF – Portuguese Tax Identification Number
- Credit Report from country of origin
Professional Income
- Last 3 payslips or last 6 months of invoicing
- Employment contract or declaration of start of activity
- Latest IRS tax declaration
- Additional documents depending on specific situations
Miscellaneous
- Last 3 bank statements
- Savings
- Rental agreement, if applicable
- Existing credit agreements
Purchase Project
- Property Tax Registry (Caderneta Predial)
- Permanent Certificate of the property
- Floor plans
- Promissory Purchase Agreement (CPCV)
We Work With the Best Banks
What documents are required for a mortgage?
Essential documents include passport or identity card, NIF, tax declaration, proof of savings, bank statements, employment contract and payslips. The list may vary depending on your situation.
What are the deed costs in Portugal?
Notarial costs range between 5% and 10% of the purchase price in Portugal. They include IMT (municipal property transfer tax), IS (0.8%), ISUC (0.6%) and notarial expenses of approximately €1,500 to €2,000.
What is the minimum down payment to buy in Portugal?
Buying in Portugal requires a minimum of 10% down payment in addition to acquisition costs.
Do I need to speak Portuguese to get a mortgage?
Absolutely not, CAFIMO has teams of intermediaries who speak French, English, Portuguese and Spanish.
Can I get a mortgage if I live abroad?
Absolutely, living abroad is not a restriction. CAFIMO has financed over 1,000 projects in 5 years, including more than 400 for foreign clients.
Need Help?
We will send you a personalized list of documents based on your specific situation.
Request Document List
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