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Portugal's main acquisition tax, paid before signing the final deed. Non-EU buyers pay a flat 7.5% on all residential property. EU residents use a progressive scale starting at 0% for homes under €101,917. Must be paid at Finanças before the Escritura can be signed.
A fixed 0.8% tax on the property value, paid alongside IMT. If you take a mortgage, an additional 0.6% stamp duty applies on the loan amount. This applies to all buyers regardless of nationality or how you're financing.
A solicitor is essential for foreign buyers — they verify title, check for encumbrances, draft the CPCV, and attend the Escritura. Standard fees run 1–1.5% plus VAT. Notary and land registry are fixed government charges around €700–€1,200.
Paid annually, calculated on the tax registration value (VPT) — typically 60–80% of market value. Lisbon municipality charges 0.3% for most urban properties. Non-residents can apply for an exemption in year one if using as primary residence.
Before anything, you need a Portuguese tax number (NIF) — obtainable at any Finanças office or remotely via a fiscal representative. You'll also need a Portuguese bank account for paying taxes and utilities. Both can be arranged in 1–2 weeks.
If converting from USD, GBP, or another currency, the exchange rate can make a €5,000–€20,000 difference on a €400,000 purchase. Specialist FX providers (Wise, Lumon, TorFX) typically beat bank rates by 1–2% and offer forward contracts to lock your rate.
For EU/EEA residents buying their primary home. Non-EU buyers pay 7.5% flat on the full amount regardless of price band.
| Property Value | Marginal Rate | Deduction | Effective Rate at Band Top |
|---|---|---|---|
| Up to €106,346 | 0% | — | 0.0% |
| €106,346 – €145,470 | 2% | €2,126.92 | 0.5% |
| €145,470 – €198,347 | 5% | €6,491.02 | 1.9% |
| €198,347 – €330,539 | 7% | €10,457.96 | 3.8% |
| €330,539 – €660,982 | 8% | €13,763.35 | 5.9% |
| €660,982 – €1,150,853 | 6% (flat) | — | 6.0% |
| Above €1,150,853 | 7.5% (flat) | — | 7.5% |
Rates effective 2026 (OE2026, updated +2%). Secondary residences start at 1%. IMT Jovem: full exemption under €330,539 for buyers ≤35 buying first primary home. All figures for Portugal Continental.
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