LIVE & INVEST IN PORTUGAL

&INVEST LIVE IN PORTUGAL

Why to Invest

PADRÃO DOS DESCOBRIMENTOS - LISBOA

A remarkable historical heritage, in a country with an endless atlantic coast, with cities of unique characteristics, the Portuguese way of life exerts great attraction for many.

Living in Portugal opens up countless investment and business opportunities in a country of quiet life, with a remarkable real estate market, in an increasingly modern economy along with affordable living costs.

Through these pages you will find an answer to several indispensible answer questions for those who want to move and settle in Portugal.

Nature reasons

PALAPHYTIC PIER - COMPORTA

STRATEGIC LOCATION

• Nearest European country to the U.S.

• 3‐hour time difference from Brazil and Russia.

• Same time as UK and Ireland.

• Daily flights to major European cities.

THE SUN ALWAYS PRESENT

The climate in Portugal is ideal. Hot summers and mild winters ensure that the locals are comfortable and that the flora is varied and beautiful. July is the hottest month of the year and December is a particularly humid month for much of Portugal, however, no other country offers so many sunny days a year, making them more joyful and pleasant.

GREAT BEACHES

There are more than 900 km of Atlantic coastline, where it is possible to discover beautiful beaches of white sand, flat or with cliffs, and with a high number of Blue Flags, attesting to its environmental quality. Surfing in Portugal is world famous, attracting a large population in search of the best waves.

Social reasons

DOURO VALLEY

REASONABLE PRICES FOR HIGH QUALITY OF LIFE

The price-quality ratio in Portugal is one of the best in Europe. Even for those who live in Lisbon, the capital, a high quality of cosmopolitan life is accompanied by tranquility, in an environment of permanent beauty, with art, and culture playing a central role.

SAFETY

In the country classified as the third safest in the world, and number one in the European Union, we live with great tranquility and security. Its population is known for welcoming foreigners and new residents, contributing to its easy integration into the local community.

REMARKABLE PUBLIC HEALTH SYSTEM

In recent years, Portugal has a national health service of remarkable quality, accessible to all citizens, in parallel with a wide list of hospitals and private clinics of high standard. Portugal ranks 12th in the list of the best health systems in the world by the World Health Organization.

HIGH-QUALITY EDUCATION SYSTEM

Portugal offers a wide range of schools, the international ones being recognized for their high quality. From basic to higher education, the whole country offers diverse options. The quality of education alongside quality of life is a decisive factor for Portugal to become a first choice for many foreign students from all over the world.

Financial reasons

SPRING – ALENTEJO

ATTRACTIVE RETURN ON INVESTMENT

Portugal plays an important role in global tourism being recognized worldwide. Its qualities have attracted students, expatriates, remote workers and retirees. A large number of world-scale events have converged on people interested in investing in real estate and tourism, contributing to a very positive return on investment.

CITIZENSHIP BY INVESTMENT

The Golden Visa Program in Portugal is one of the most attractive and successful in Europe, and 90% of visas are obtained through the purchase of properties. The Golden Visa allows non-European citizens and family members the right to obtain permits for permanent residence or citizenship by granting free movement within the 26 Schengen area countries.

Although changes were made to this programme at the beginning of 2022, a number of possibilities continue to merit the attention of many stakeholders

HIGH-END PROPERTIES AT ATTRACTIVE PRICES

The Real Estate Portuguese market is very varied, either by its own characteristics or by its location. Classical architecture of typically Portuguese or more international design, co inhabit with contemporary construction in new areas of the cities, many of which are the opportunities that present themselves. With highly competitive values compared to other countries, they offer quality of construction and design.

Golden Visa Portugal 2022

WINTER - ALENTEJO

Properties

There are several investment options to obtain the Golden Visa in Portugal:

• Buying residential property(ies) in Portugal’s appointed interior regions in the value of €500,000 or higher (or €400,000 if located in an interior and low-density area of Portugal).

• Buying commercial property(ies) in Portugal in the value of €500,000 or higher (or €400,000 if located in a low-density area of Portugal).

• Buying and renovating residential property(ies) in Portugal’s appointed interior regions in the value of €350,000 or higher, that meet(s) specific criteria* (or €280,000 if located in an interior and low-density area of Portugal).

• Buying and renovating commercial property(ies) in Portugal in the value of €350,000 or higher, that meet(s) specific criteria* (or €280,000 if located in a low-density area of Portugal).

*that is located in an urban rehabilitation zone or with construction dating back more than 30 years, for renovation.

Capital transfer

BERLENGA ISLAND – WEST COAST

• Capital transfer in the value of €1.5 million or higher.

• Creation of 10 new permanent job positions or a capital transfer of the minimum amount of €500,000 for the constitution of a commercial society in Portugal, combined with the creation of 5 working jobs (maintained for at least 3 consecutive years), or for the reinforcement of the share capital of an already existing commercial society with the creation or keeping of a minimum of 5 working jobs.

• Capital transfer in the value of €500,000 used for research and development.

• Capital transfer in the value of €250,000 used for preservation of cultural heritage.

ARRÁBIDA NATURAL PARK - SETUBAL

It is the perfect option for those who want to obtain Portuguese residency at lower government rates, with a quick approval rate.

*

It applies preferably to retirees, investors and digital nomads who seek to reduce bureaucracy and move smoothly to Portugal.

SERRA DA ESTRELA

D7 It is the Passive Income Visa of Portugal. It offers residency for qualified and retired people who wish to move to Portugal. It is open to applicants who have a reasonable and regular passive income, derived from a pension, rent, dividends or certain types of investment income.

To qualify, you must have an annual income of €7,980 and stay six consecutive months or eight non-consecutive months per year in Portugal.

In addition to the obvious right to live, work and study in Portugal, it allows visa-free access to all 26 European states and the opportunity to apply for permanent residence and citizenship after five years.

It gives access to Portugal's public health system SNS, and the NHR tax regime, and children and parents dependent on the main applicant can be included in a single application.

Prime locations

Distributed from North to South of Portugal, we find recognized locations as the Prime areas of real estate.

Due to their natural characteristics, location, or the development operated in the area, they are the prominent places of national and international buyers.

Douro Valley, Porto, Ericeira, Sintra, Cascais, Lisbon, Troia, Alentejo, Comporta and Algarve, occupy a prominent position as main options.

Each of them certainly has the characteristics that adapt to the profile and well-being that each one seeks in our country

Porto and Douro Valley

Two great options contrast in the North of Portugal.

The natural beauty that frames an architectural heritage with centuries of tradition, in parallel with the famous quality of modern architecture of the city of Porto and its surroundings.

Extending from the ocean beaches, passing by Foz do Douro and meeting in the Historic Center of the City, Porto offers options for all types of taste, from classic to contemporary, at perfectly acceptable prices.

Stretching for miles of pure beauty, the Douro valley surprises in every corner for its grandeur and contrasts. From the great wine estates to the sober village houses or Stately Family Homes with stunning views, it attracts residents and investors from all over the world

PENA PALACE - SINTRA

Sintra and Ericeira

The stunning natural beauty of the Serra de Sintra have transformed it over centuries of history into one of the most impressive architectural exhibitions of different eras.

A unique Historical and natural heritage make it memorable and unique to reside in this region.

The coastal area of the quiet Ericeira or the dynamic Nazaré, develops along white sandy beaches, and aggressive cliffs that allow extraordinary views of the Atlantic Ocean, has transformed this region into one of the most desired by surf enthusiasts worldwide.

With diversified real estate costs, they make it possible to find properties for investors of all generations.

Lisboa

To speak about Lisbon, is to speak of a Capital that offers everything that is expected of a modern European city, with centuries of historical passed.

An architectural richness of world's unique features, in a natural frame of 7 hills, are a perfect setting to discover marks of all eras and construction styles.

Properties in which the options range from the wonderful landscapes facing the river, or parks and gardens of a unique natural wealth.

Lisbon has its price, that of a city of unique characteristics, a river and a unique light, quiet or intense and lively city, small but also large, on a scale that is that of a unique and special country.

Troia and Comporta

Troia, a peninsula in which a huge expanse of white sand meets crystal clear waters of mutant shades of blue. A protected landscape with some residential and tourist spots of superior quality at distance of an hour from the capital.

Also dedicated to tourism, resorts of great quality give you a very good experience throughout the year.

More selected and restricted, Comporta has become an option for public figures, social and international life from all over the world.

Where everyone wants to be able to be and be seen, it's a very special place just for some.

Area that offers exclusive private condominiums, is intended for those who have a sophisticated taste but like to feel their feet on the sand, on quiet days of pleasure in the sun and nights of elegance and conviviality among friends.

Alentejo and Algarve

The extension of colorful fields, mutants throughout the four seasons, make stunning the beauty of this region. Covered with flowers, or with the green of the meadow dotted by centenarian sourcorks, it is the heart of the world's largest cork producer.

Cities Towns and Villages pigment in white this unique beauty. Symbol properties of a rich historical past in its original purity alongside modern architectural interpretations example of a simple but also elegant living.

To speak of the Algarve, is to speak of the most international residential destination or vacation stake in Portugal.

With a very diverse offer, you can find luxurious mansions, historic city houses, or simple fisherman's houses near the sea, being able to satisfy any taste, in a place where the sun is guaranteed a constant throughout the year

PRAIA DA MARINHA - ALGARVE

CÂMARA DE LOBOS - MADEIRA

Madeira and Açores

The Portuguese Islands of Madeira and the Azores, has been shown in recent years an option for many.

Madeira, with a brand recognized worldwide in terms of quality tourism, proved to be a destination of choice for digital nomads, who have discovered a place of extraordinary beauty, living conditions of superior quality at reasonable prices. New residential investments are a great opportunity for buyers attracted by the beauty, climate and tranquility.

On the other hand, the Azores maintain a natural purity, a peaceful living of great tranquility for those who want to protect themselves from very populated and cosmopolitan environments. Half a distance between Europe and the USA, the Azores are the new "place to discover" that is attracting many new residents

Buy a property What you should know

The purchase in Portugal is similar to many other countries, except for the promissory contract (CPCV).

It is always a good idea to work with a real estate consultant to ensure the legality of the property you want to acquire, and to have legal assistance in the different steps to take in the acquisition process.

It is important to confirm the legality of the land, construction, authorization for residential use, and other issues that need to be confirmed, and over all your consultant gives you the necessary support through lawyers or solicitors, so that you do not take any risks in your acquisition.

The 3 steps of purchase

Step 1

After finding the property that interests you, the process begins with the acquisition. With the acceptance of this proposal a reservation should be This does 2 things in general, prevents any other party from coming and and secondly, allows you to check the property licenses and make sure and 20,000 is acceptable and the time allowed for your lawyer to complete

Step 2

Upon confirmation of all documentation of the property, a promissory contract points of sale and a complete summary of the property; The details of this agreed will be signed with payment of a second amount which is usually the final selling price.

The contract is legally registered and it is very difficult for the seller to get leaves a promissory contract, then he has to pay twice the amount already

Step 3

Most of the work confirming the legality of the deal is done for the promise permits are in force and that the property is debt-free. Once all this is payment of the balance, will be registered the property on your behalf becoming If the Portugal property you are looking to buy is ready to be marketed, step 2 and go straight to step 3, the Scripture.

Buying real estate in Portugal is a transparent process and you, as a buyer, that you are properly supported by a credivel real estate consultant and knowledgeable

the submission of a proposal that demonstrates your desire for made showing your intention to buy the property. and making a larger offer as the property is taken off the market, everything is in order. Typically, a booking fee between 6,000 complete your work is between 15 and 30 days. contract of the seller must be signed that will include all important this contract will be settled between seller and buyer, and when usually a percentage of the sale price ranging from 10% to 60% of get out of the sale because Portuguese law states that if a seller already paid to the buyer. promise contract. At moment it is a question of checking that all is certified, you will complete your purchase together with the becoming effective owner. marketed, you have the funds available in Portugal it is possible to skip buyer, are completely protected throughout the process. Ensure knowledgeable of the portuguese market.

NEW YEAR'S EVE - LISBON

How will you pay?

There are three main options when it comes to paying for your house:

Option 1

One-off payment: In Portugal, known as “Pagamento a pronto”, it involves one go, normally via a bank cheque in their name that you hand over when

Option 2

Mortgage loan: Getting a mortgage, either from a Portuguese bank or defaulting, is a more common option than a one-off payment. Depending can be up to 40 years, with banks usually loaning 80% of the house’s sale pocket.

Option 3

Mortgage subrogation: If there is an outstanding mortgage on the property debtor to your own name, taking on all the rights and responsibilities and this from the same banking entity as the mortgage already exists with; it can’t is that it saves the costs of a new mortgage, but the downside is that the meet your needs.

involves paying the whole sale price of the property to the seller in when you sign the deed. one at home, using the property itself as a guarantee against Depending on your age and certain other characteristics, payment terms sale price and the remaining 20% being paid from the buyer’s property from the previous owner, you can change the name of the and making you the new mortgage payer. You have to request can’t be a different one. One benefit of subrogating a mortgage the terms and conditions are fixed and you cannot adapt them to

ROYAL SCAN OF ALTER - ALENTEJO

TAXATION

The acquisition of housing involves a more or less complex set of legal and about taxation related to Housing Credit.

Tax on Onerous Real Estate Transfers – IMT

Tax on the purchase of immovable property that is paid (settled) at once by multiplying the "Marginal Rate" by the transaction price of the property Deed (or on the asset value contained in the building matrix, if it is higher)

The assessment of the tax is provisional, and may be corrected of its own property, as soon as the definitive assessment of the property is made Municipal Property Tax.

The IMT also focuses on the conclusion of the Promissory Contract in which may assign his position to a third party, and on the assignment of contractual focusing the IMT more than once on the same transfer of property, there before the conclusion of the Promissory Contract or the transfer).

Stamp Duty – IMPOSTO DE SELO

Tax to be settled by the buyer at the time of the deed, which is on the purchase/deed amount of the loan made available by the Bank.

In the latter case, its value varies depending on the term of the operation Thus, for transactions with a term of 1 year or more and less than 5 transactions with a term of equal to or greater to 5 years the value is 6 per thousand.

Interest on loans granted for acquisition, construction, or self-housing works Home loan transfers between Credit Institutions are exempt from stamp capital in debt transferred.

and tax formalities to observe. See here the essential information by the buyer before the conclusion of the deed. It is calculated property provided for in the Promise of Sale Agreement and in the higher) and then deducting the "Value to Be Destitution". own motion by the Tax Administration after the transfer of the made in accordance with the terms and based on the rules of the which it is provided for in the contract that the promitent buyer contractual position provided for the Promissory Contract. Not there are specific rules for its liquidation (which must be carried out

purchase/deed value of the property (8 per thousand) and on the . years, the amount to be charged is 5 per thousand and for works (permanent or secondary) is exempt from stamp duty. duty that is on the value of the loan, up to the amount of the

Municipal Property Tax – IMI

It is the municipal tax on the taxable value of the property, which is no more 31 of the year in respect of the IMI, which is determined by a property meter, the area, the allocation, the location, the characteristics of quality and The property’s matrix contains, in particular, the characterization of the owners.

Matrices are updated every year, on December 31st. You will always receive assessment you receive in April relates to the previous year.

more than the value registered in the land register, on December assessment, taking into account the building value per square and comfort as well as the age of the property. property, the location, its taxable value and the identity of the receive the assessment of this municipal tax in April. The IMI

AZENHAS DO MAR - SINTRA

AUTUMN - ALENTEJO

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