Signing day calculator

Most buyers in Portugal manage the signing day payment through their solicitor or notary — but understanding what each line represents, and why it must be paid in full before ownership is registered, prevents last-minute problems. International buyers often underestimate the settlement timeline: Portuguese notaries typically require all funds to be confirmed cleared at least 24–48 hours before the scheduled escritura.

The signing day payment sequence

• IMT must be paid before the escritura — The Guia de IMT (tax payment document) must be presented to the notary as proof of payment. IMT cannot be paid at the notary's desk on the day — it must be settled in advance at a Finanças office or online via Portal das Finanças.
• Imposto do Selo on the purchase — Also due before or at the escritura. Typically settled through the notary or via the buyer's Portuguese bank account.
• Notary fees — Payable at the escritura. The notary will provide the exact fee in advance. In some cases a bank transfer is required in advance rather than payment on the day.
• Mortgage funds — The bank releases mortgage funds directly to the seller's account or through the notary on signing day. The mortgage Imposto do Selo (0.6%) is charged by the bank and paid before or at completion.
• Balance of purchase price — The remaining amount after the CPCV deposit, also paid on signing day. This is usually a bank transfer initiated by the buyer's solicitor or handled by the notary.

The answers below describe what this tool will do when launched. It is not available yet.

Frequently asked questions