Buying a house in Portugal as a foreigner — whether from France, Belgium, Switzerland or Luxembourg — is perfectly possible and, in most cases, simpler than you might think. Portuguese banks have been financing international buyers for many years, even when they do not reside in the country, as long as they have financial stability and organized documentation.

How financing for foreigners works

• Usual funding between 60% and 70% of the appraisal value

• Long lead times, often up to 30–40 years

• It is not necessary to live in Portugal

• It is mandatory to have a NIF (quick and easy to obtain)

Commonly requested documents

• Passport

• Proof of income (tax returns, payslips, etc.)

• Bank statements

• Proof of address

• Stable financial history

Why so many French, Belgians, Swiss and Luxembourgers choose Portugal

• Security and stability

• Mild climate all year round

• Affordable and quality healthcare system

• Balanced cost of living

• Solid and transparent real estate market

• Quiet, cosy and sunny lifestyle

Portugal combines quality of life, security, and a reliable real estate market — a natural choice for those looking for well-being, stability, and a safe investment.