Buying a House in Portugal: a Step-by-Step Guide in English

Buying a home in Portugal is an exciting project, but the process can feel complex if you don’t know how it works.

Here’s a clear step-by-step guide to help you understand what really matters.

Step 1: Get a Portuguese Tax Number (NIF)

The first thing you need is a NIF (Número de Identificação Fiscal). This number is required for almost everything: opening a bank account, applying for a mortgage, paying taxes, and of course, buying property.

You can request it at a Portuguese Tax Office (Serviço de Finanças) or at a Loja do Cidadão​

You’ll need:

• A valid passport or national ID (EU citizens can use their ID card).

• Proof of address (from your home country or Portugal).

• For non-EU citizens, a fiscal representative may be required, although recent rules have become more flexible. Many buyers still appoint one to simplify the process.

Step 2: If You Need a Mortgage, Let’s Compare Proposals First

Before moving forward, it’s essential to know your financing options.

• Different banks offer different conditions depending on your profile (income, nationality, property type).

• Together we can request proposals and compare terms, so you know which bank is the best fit for your case. My support is completely free and without any obligation.

• Having this step clear early avoids surprises later in the process.

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Step 3: Open a Portuguese Bank Account

Once you have your NIF and a clear financing plan, you should open a Portuguese bank account, at the bank of your choice.

• Required documents: ID, NIF, and proof of address.

• A local account will make transfers, payments, and all property-related operations much easier.

Step 4: It's Time for some Mortgage Life Insurance Quotes

If you're going to apply for a loan to buy your house, now is a good time to compare simulations and learn how the process works.

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Don't leave this step until after you schedule the deed signing, because in many cases, depending on your medical history and the amount you're insuring, the insurance company may request reports or exams, and this process can take some time.

Remember: without your life insurance in order, your deed signing could be cancelled. Don't take the risk.

Step 5: Find a Trusted Real Estate Agent and Choose the House

This is where the dream starts to take shape. Work with a reliable real estate agent who knows the local market and speaks your language if needed.

Always make sure the property is legally registered and free from debts or disputes. A lawyer can help check documents and protect your interests.

Step 6: Sign the Promissory Contract (CPCV)

The Contrato de Promessa de Compra e Venda (CPCV) is a standard step in Portugal. It’s a legally binding agreement between buyer and seller, where both commit to the transaction.

At this stage, you usually pay a deposit (commonly around 10%). If the seller backs out, they must return double your deposit. If the buyer backs out, the deposit is lost.

If you are applying for a loan, it is important that the CPVC allows you to make the deed at least 2 months later, as the financing process for foreigners can take much longer than for a Portuguese citizen.

Step 7: Sign the Deed (Escritura)

The Escritura Pública de Compra e Venda is the final act.

Signed at a Notary, it officially transfers the property to your name.

From that moment, you are the legal owner of your new home in Portugal.

Final Thoughts

The process of buying a house in Portugal starts with something simple—getting a NIF—and ends with something unforgettable: holding the keys to your new home.

With the right guidance, each step becomes clearer and easier to handle. If you’re thinking about buying in Portugal and want support with mortgages or insurance along the way, I’d be glad to help.

My advice is completely free and without any obligation.

Buying a House in Portugal:a Step-by-Step Guide in English