Portugal Property Buying Checklist — Everything You Need Before You Buy
A practical checklist for foreign buyers purchasing property in Portugal, covering legal requirements, finances, and due diligence steps.
Pre-Purchase Checklist
- Obtain a Portuguese NIF number (Finanças office or via lawyer)
- Open a Portuguese bank account
- Verify property ownership via Certidão Permanente (land registry)
- Check Caderneta Predial for tax value and annual IMI liability
- Confirm the Habitation Licence (Licença de Habitação) is valid
- Check for outstanding debts or charges on the property
- Review the energy certificate (Certificado Energético)
- Calculate total purchase costs using our SmartBuy calculator
- Arrange mortgage pre-approval if financing
- Engage a Portuguese lawyer (Advogado) for due diligence