NOBLE ASSETS · Property and capital in Portugal

How much money will you need to buy in Portugal?

See the property price, taxes and purchase costs together. Add a mortgage and payments already made to find the own funds still needed.

Calculate

Rules checked on 15 September 2026

Build your purchase budget

The propertyPurchase price (€)Tax value, VPT (€)You can find VPT in the caderneta predial. Leave it blank if you are still choosing a property.Property locationHow will you use the home?This is the purchase of full ownership of one residential property by individuals, without a special property tax scheme.

For a company purchase, an assignment, several properties, mixed uses, controlled-cost housing or a special construction scheme, send us the property and contract details.

The buyersWho is buying?

How will you fund the purchase?Include a mortgage

Purchase costs

Enter the amounts you expect to pay, including applicable taxes. Blank means the cost is still to be added; enter 0 only when it does not apply or is already included in another line.

Completion and registration

Casa Pronta: €375 for one registration act or €700 for a purchase with a mortgage. This includes the service and registration; do not add a second notary charge for the same work. CASA-PRONTA

Legal support and property checks (€)Documents, translation and representation (€)Currency conversion and transfers (€)Other purchase costs (€)

What has already been paid?

Payments credited towards the price (€)Include a reservation or CPCV deposit only when it is credited towards the agreed purchase price.Purchase costs already paid (€)Enter only costs included in the lines above. Their timing changes; their total stays in the budget.

After completion

Works, furnishing and initial setup (€)Cash reserve to keep available (€)Your chosen reserve is money kept available, separate from the cost of buying the property.

Your figures stay in this tab until you choose to add the calculation to an enquiry.

Your purchase budget

Enter the property price and purchase details to see your budget.

Three figures that answer different questions

Purchase cost

The agreed property price plus taxes, completion and the purchase services you enter. A deposit stays inside the price.

Own funds

Purchase cost less the mortgage amount. Borrowing changes the source of the money and adds loan costs.

Still to pay

Own funds less price payments and purchase costs already paid. Works, furniture and a cash reserve appear separately.

Match the money to the payment dates

Use the reservation agreement, CPCV and final purchase arrangements to build the payment schedule. For a new development, add every construction-stage payment in the developer’s offer. The amounts and dates belong to that purchase.

Agree when the bank will release the loan before committing to payments that depend on it. Prepare your own money, its supporting documents and the tax payments ahead of completion.

Before the CPCV

Review documents, the funding plan and the conditions for any reservation payment.

When signing the CPCV

Pay the deposit agreed in the contract and track the amounts credited towards the price.

By completion

Have the remaining own funds, taxes and unpaid purchase costs ready. Align bank disbursement with the deed.

Payment stages for a new build Prepare the money for your purchase

We will put the purchase plan together

Send us the property link, purchase price, planned loan and payments already agreed. We will work through the budget, check the documents and organise the support your purchase needs. We will propose the scope of work and its price after discussing your situation.

Continue planning your purchase

Sources and calculation details

Rules checked on 15 September 2026

AT-40129-2026 AT-40131-2026 CIMT-12 CIS-7A TGIS CASA-PRONTA