Buying a House in Portugal: Essential Guide

Buying a House in Portugal: Key Points to Consider

Buying a house in Portugal can be a wonderful dream, but it’s important to be aware of some crucial aspects to avoid pitfalls.

⚖️ Subrogation Law

Subrogation assigns debts to the property rather than the debtor. Therefore, it is essential to check whether there are any debts attached to the property, such as unpaid taxes, electricity bills, or mortgages.

📜 Verification of Deeds and Property

A good Portuguese lawyer can review the Certidão de Teor (property deed) to ensure there are no debts. They should also confirm that utility bills and local taxes are up to date.

👥 Fragmented Ownership

In rural areas, it is common for properties to have multiple owners due to family inheritance. This can complicate the sale if all owners cannot be located.

🌿 Rural Properties

Make sure the property is properly documented. In rural areas, some properties may consist of small, scattered plots or buildings without official registration.

💶 Protecting Your Money

Unlike in some other countries, in Portugal real estate agents and certain legal firms do not provide financial guarantees. Always check that your agent is licensed (e.g., OUR HOME PORTUGAL – AMI License 22847).

☀️ Seasonal Conditions

Consider the seasonal conditions of the region. Some areas, such as the Algarve, are vibrant in summer but very quiet in winter. If you want a lively destination year-round, places like Lisbon, Cascais, or Estoril may be better options.

✨ These tips can help make buying your home in Portugal a smooth and successful experience. If you need more details or have further questions, we’re here to help!