Your Mortgage in Portugal with the best rate

Notary costs range between 5% and 10% of the purchase price in Portugal. Mainly, 3 taxes should be considered: - IMT: Municipal Tax on Onerous Property Transfers. It is the municipal tax that varies according to the purchase price. - IS: Stamp Duty. For an acquisition, the IS is equivalent to 0.8% of the purchase price. - ISUC: Stamp Duty on Credit Usage. This is the stamp duty on taking out a mortgage. In this case, it is equivalent to 0.6% of the financed amount. - Bank and notary costs: Approximately €1,500 to €2,000 in additional expenses, depending on the bank and notary.

Buying in Portugal requires, at minimum, a 10% down payment in addition to acquisition costs. It will depend on the type of acquisition you wish to make and your resident status, as well as other elements about your personal situation.

Absolutely not, Cafimo has teams of intermediaries who speak French, English, Portuguese, Spanish.

Of course, living abroad is not a restriction. It will only have an impact on the characteristics of the mortgage. Cafimo has already financed more than 1,000 projects in 5 years, including more than 200 foreigners.

Each bank has its own characteristics. We have developed many partnerships with Portuguese banks to adapt the financing search to the situation of our clients. We work, notably, with: Crédito Agrícola, Novo Banco, CGD – Caixa Geral de Depósitos, Banco BPI, Bankinter, Eurobic, Santander, BancoCTT, Abanca, UCI, among others.