Begin by scheduling a meeting with us, whether online, by phone, or in person. This will be an opportunity for us to get to know each other better and discuss your specific needs and how we can assist you in acquiring the ideal mortgage credit in Portugal.<\/p>\n
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At Portugal Mortgage Experts, we commit to securing you the best real estate deal. We use advanced IT tools to analyze the market value of properties, ensuring that you pay a fair price without surprises. Our detailed analysis often reveals an average difference of about 5.5% between the asking price and the selling price, providing a transparent and fair transaction.<\/p>\n
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Only banks in Portugal can provide you with a loan for purchasing a property in the country. Depending on whether you are a resident or not, banks can finance between 60 to 80% of the property value for non-residents, and up to about 90% for fiscal residents. It is important to note that banks do not finance closing costs. The assessment of your financial situation and the property is thorough, including the verification of income, existing debts, and a detailed credit report.<\/p>\n
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To move forward with the process, you will need several documents, including personal identification, Portuguese tax identification number, proof of residence, employer statement or accounting information (if you are a business owner), receipts of salary or other income, credit responsibilities report, and recent bank statements.<\/p>\n
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Closing costs include the IMT (Municipal Tax on Transmissions), which varies between 1 to 6% of the purchase price, stamp duty of 0.8%, and notarial and registration fees, generally not exceeding \u20ac1,000. After purchase, consider the IMI (Municipal Property Tax) and condominium expenses, which vary depending on the location and features of the property.<\/p>\n
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We offer an initial free meeting to assess your needs. After choosing the property, we assist in opening a bank account and coordinate the property valuation by the bank. Finally, after credit approval, we reserve the deed and accompany the entire process until its conclusion.<\/p>\n
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We guarantee a totally cost-free credit intermediation in Portugal, providing an experience without additional charges or surprises. If you need a lawyer, we can refer you to trusted partners.<\/p>\n
We are ready to help you realize your dream of owning a home in Portugal, ensuring a safe and transparent process.<\/strong><\/p>","protected":false},"excerpt":{"rendered":" Begin by scheduling a meeting with us, whether online, by phone, or in person. This will be an opportunity for us to get to know each other better and discuss your specific needs and how we can assist you in acquiring the ideal mortgage credit in Portugal.<\/p>","protected":false},"author":2,"featured_media":13,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-3149","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"\n