Taxes, Legal & Cross-Border11 min read
Portugal's 7.5% IMT for non-residents: who pays it?
Not tax-resident in Portugal? A €300,000 flat now costs you €22,500 in transfer tax, against €11,605 for a resident buying the same second home.
Not tax-resident in Portugal? A €300,000 flat now costs you €22,500 in transfer tax, against €11,605 for a resident buying the same second home.
What Portuguese banks lend a non-resident: the 90% and 80% central-bank ceilings, the 50% effort rate, Euribor in August 2026, and the full cost stack.
Portugal closed the Golden Visa property route in October 2023. What's left for residency-by-investment seekers, and what a Portuguese home still gets you.