Comprar
VenderBrevemente
ArrendarBrevemente
O Meu ImóvelBrevemente

Guia Completo de Impostos Imobiliarios e Custo Real de Propriedade em Portugal (2025-2026)

guides.sharedLayout.hero.intro

guides.sharedLayout.hero.updated
23 min read
Planning
guides.sharedLayout.hero.quickCheck
Financial Intelligence · AICF

A camada de custo oculto em Portugal

O AICF da HomeOS (Fator de correção da integridade do ativo) transforma CAPEX EPBD, passivo Simplex 2024, exposição ao Indicador de Preço Justo e risco de reavaliação de VPT numa única base de negociação.

Custos de aquisição

IMT, Imposto do Selo, notário + registo e honorários jurídicos — os custos visíveis em qualquer estimativa.

Custos recorrentes de detenção

IMI, seguros e eventual AIMI — custos anuais após a compra.

Passivos ocultos (AICF)

CAPEX EPBD, exposição ao Simplex 2024, divergência no Indicador de Preço Justo e reavaliação de VPT — tudo modelado antes da negociação.

O AICF e poder de negociação. Não estima apenas totais — explica o que falta nas calculadoras standard.

Custo real de propriedade = impostos + custos de titularidade + passivos ocultos (AICF).

guides.financialIntelligence.sections.pageIntro.p1Strong

guides.financialIntelligence.sections.pageIntro.p2

guides.financialIntelligence.sections.pageIntro.p3

guides.financialIntelligence.sections.pageIntro.p4

guides.financialIntelligence.sections.acquisitionCosts.title

guides.financialIntelligence.sections.acquisitionCosts.lead

guides.financialIntelligence.sections.acquisitionCosts.intro

guides.financialIntelligence.sections.acquisitionCosts.c1Title

guides.financialIntelligence.sections.acquisitionCosts.c1P1

guides.financialIntelligence.sections.acquisitionCosts.c1P2

guides.financialIntelligence.sections.acquisitionCosts.c2Title

guides.financialIntelligence.sections.acquisitionCosts.c2P1

guides.financialIntelligence.sections.acquisitionCosts.c3Title

guides.financialIntelligence.sections.acquisitionCosts.c3P1

guides.financialIntelligence.sections.acquisitionCosts.c4Title

guides.financialIntelligence.sections.acquisitionCosts.c4P1

guides.financialIntelligence.sections.acquisitionCosts.c5Title

guides.financialIntelligence.sections.acquisitionCosts.c5P1

guides.financialIntelligence.sections.acquisitionCosts.summaryTitle

guides.financialIntelligence.sections.acquisitionCosts.table.costguides.financialIntelligence.sections.acquisitionCosts.table.amount
guides.financialIntelligence.sections.acquisitionCosts.table.rows.imt.label€22,000–€26,000
guides.financialIntelligence.sections.acquisitionCosts.table.rows.stamp.label€3,200
guides.financialIntelligence.sections.acquisitionCosts.table.rows.notary.label€500–€1,500
guides.financialIntelligence.sections.acquisitionCosts.table.rows.registry.label€250–€600
guides.financialIntelligence.sections.acquisitionCosts.table.rows.legal.label€1,500–€5,000
guides.financialIntelligence.sections.acquisitionCosts.table.rows.total.label€27,450–€36,300
guides.financialIntelligence.sections.acquisitionCosts.table.rows.pct.label6.9%–9.1%

💡 guides.financialIntelligence.sections.acquisitionCosts.callout

O que a HomeOS encontra todas as semanas

4 problemas que custam aos compradores dezenas de milhares

Problema 01
Onus e encargos ativos

O que se esconde aqui: Hipotecas não distratadas, ordens de penhora fiscal e processos judiciais ativos (ações judiciais) — registados na Certidao Permanente.

Alta frequência
Exposição financeira
2.000€ a 15.000€+
Honorários legais + potencial perda do sinal
Problema 02
Obras sem licença

O que se esconde aqui: Marquises fechadas, conversões de sótão e conversões de garagem — não constam da Licença de Utilização. Ao abrigo do Simplex 2024 (DL 10/2024), a responsabilidade total transfere-se para si na Escritura Pública.

Maior exposição
Exposição financeira
5.000€ a 250.000€+
Custos de legalização — ou demolição, se não licenciável
Problema 03
Discrepância de VPT

O que se esconde aqui: O preço de compra excede de forma relevante o VPT (Valor Patrimonial Tributário). A AT pode reavaliar em alta após a compra, aumentando de forma permanente o seu IMI anual.

Custo recorrente
Exposição financeira
300€ a 2.000€+/ano
IMI adicional — todos os anos, de forma permanente
Problema 04
Passivo EPBD por classe energética

O que se esconde aqui: Classe F ou G = reabilitação obrigatória sob Diretiva EPBD 2024/1275. Todo o parque residencial deve atingir, no mínimo, Classe D até 2033.

Sensível ao prazo
Exposição financeira
15.000€–80.000€+
CAPEX de reabilitação — obrigatório, não opcional
20%

dos compradores em Portugal enfrentam custos imprevistos após a conclusão entre 10–25% do preço de compra. Diligência sistematica antes do CPCV evita quase todos estes casos. — dados P&A Legal

A HomeOS verifica automaticamente os quatro documentos obrigatórios
Sinaliza cada problema acima, calcula o Indicador de Preço Justo e entrega conclusões claras em menos de 10 minutos.
Verificar na HomeOS (grátis) →
Os quatro problemas de diligência mais comuns e a respetiva exposição financeira.

guides.financialIntelligence.sections.imtCalculator.title

guides.financialIntelligence.sections.imtCalculator.p1

guides.financialIntelligence.sections.imtCalculator.formulaTitle

guides.financialIntelligence.sections.imtCalculator.formulaBody

guides.financialIntelligence.sections.imtCalculator.formula

guides.financialIntelligence.sections.imtCalculator.primaryTableTitle

guides.financialIntelligence.sections.imtCalculator.tableHeaders.valueBracketguides.financialIntelligence.sections.imtCalculator.tableHeaders.marginalRateguides.financialIntelligence.sections.imtCalculator.tableHeaders.deduction
guides.financialIntelligence.sections.imtCalculator.primaryBrackets.r1.bracketguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r1.marginalguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r1.deduction
guides.financialIntelligence.sections.imtCalculator.primaryBrackets.r2.bracketguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r2.marginalguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r2.deduction
guides.financialIntelligence.sections.imtCalculator.primaryBrackets.r3.bracketguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r3.marginalguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r3.deduction
guides.financialIntelligence.sections.imtCalculator.primaryBrackets.r4.bracketguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r4.marginalguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r4.deduction
guides.financialIntelligence.sections.imtCalculator.primaryBrackets.r5.bracketguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r5.marginalguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r5.deduction
guides.financialIntelligence.sections.imtCalculator.primaryBrackets.r6.bracketguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r6.marginalguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r6.deduction
guides.financialIntelligence.sections.imtCalculator.primaryBrackets.r7.bracketguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r7.marginalguides.financialIntelligence.sections.imtCalculator.primaryBrackets.r7.deduction

guides.financialIntelligence.sections.imtCalculator.secondaryTableTitle

guides.financialIntelligence.sections.imtCalculator.tableHeaders.valueBracketguides.financialIntelligence.sections.imtCalculator.tableHeaders.marginalRateguides.financialIntelligence.sections.imtCalculator.tableHeaders.deduction
guides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r1.bracketguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r1.marginalguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r1.deduction
guides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r2.bracketguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r2.marginalguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r2.deduction
guides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r3.bracketguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r3.marginalguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r3.deduction
guides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r4.bracketguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r4.marginalguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r4.deduction
guides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r5.bracketguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r5.marginalguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r5.deduction
guides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r6.bracketguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r6.marginalguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r6.deduction
guides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r7.bracketguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r7.marginalguides.financialIntelligence.sections.imtCalculator.secondaryBrackets.r7.deduction

guides.financialIntelligence.sections.imtCalculator.examplesTitle

guides.financialIntelligence.sections.imtCalculator.examples.e1.title
guides.financialIntelligence.sections.imtCalculator.examples.e1.imtPrefix guides.financialIntelligence.sections.imtCalculator.examples.e1.imtResult
guides.financialIntelligence.sections.imtCalculator.examples.e1.seloLine
guides.financialIntelligence.sections.imtCalculator.examples.e1.total

guides.financialIntelligence.sections.imtCalculator.examples.e2.title
guides.financialIntelligence.sections.imtCalculator.examples.e2.imtPrefix guides.financialIntelligence.sections.imtCalculator.examples.e2.imtResult
guides.financialIntelligence.sections.imtCalculator.examples.e2.seloLine
guides.financialIntelligence.sections.imtCalculator.examples.e2.total

guides.financialIntelligence.sections.imtCalculator.examples.e3.title
guides.financialIntelligence.sections.imtCalculator.examples.e3.imtPrefix guides.financialIntelligence.sections.imtCalculator.examples.e3.imtResult
guides.financialIntelligence.sections.imtCalculator.examples.e3.seloLine
guides.financialIntelligence.sections.imtCalculator.examples.e3.total

⚠️ guides.financialIntelligence.sections.imtCalculator.warningLabel guides.financialIntelligence.sections.imtCalculator.warningBody

Calculadora IMT 2025–2026

Preço do Imóvel250 000€
IMT (escalões progressivos)7955€
Imposto do Selo (0,8%)2000€
Notário e Registo1250€
Relatório HomeOS Essential299€
Honorários de Advogado1500€ – 5000€
Custo Total de Aquisição263 004€ – 266 504€

* Este é um valor estimado. Os custos reais podem variar. Consulte um advogado especializado em direito imobiliário para cálculos precisos.

Os relatórios e ferramentas HomeOS são meramente informativos e não constituem aconselhamento jurídico, fiscal ou de peritagem. Para aconselhamento vinculativo, consulte um profissional qualificado.

guides.financialIntelligence.sections.imtCalculator.promo.title

guides.financialIntelligence.sections.imtCalculator.promo.p1Label guides.financialIntelligence.sections.imtCalculator.promo.p1Body

guides.financialIntelligence.sections.imtCalculator.promo.p2Label guides.financialIntelligence.sections.imtCalculator.promo.p2Body

guides.financialIntelligence.sections.imtCalculator.promo.p3Label guides.financialIntelligence.sections.imtCalculator.promo.p3Body

Verificação rápida de imóvel — em breve.

guides.financialIntelligence.sections.imtJovem.title

guides.financialIntelligence.sections.imtJovem.lead

guides.financialIntelligence.sections.imtJovem.p1

guides.financialIntelligence.sections.imtJovem.conditionsTitle

  1. guides.financialIntelligence.sections.imtJovem.c1Label guides.financialIntelligence.sections.imtJovem.c1Body
  2. guides.financialIntelligence.sections.imtJovem.c2Label guides.financialIntelligence.sections.imtJovem.c2Body
  3. guides.financialIntelligence.sections.imtJovem.c3Label guides.financialIntelligence.sections.imtJovem.c3Body
  4. guides.financialIntelligence.sections.imtJovem.c4Label guides.financialIntelligence.sections.imtJovem.c4Body

guides.financialIntelligence.sections.imtJovem.whyTitle

guides.financialIntelligence.sections.imtJovem.whyP1

guides.financialIntelligence.sections.imtJovem.whyP2

guides.financialIntelligence.sections.imtJovem.errorsTitle

guides.financialIntelligence.sections.imtJovem.errorsP1

guides.financialIntelligence.sections.imtJovem.errorsP2

guides.financialIntelligence.sections.imtJovem.closing

guides.financialIntelligence.sections.vpt.title

guides.financialIntelligence.sections.vpt.lead

guides.financialIntelligence.sections.vpt.p1

guides.financialIntelligence.sections.vpt.whyTitle

guides.financialIntelligence.sections.vpt.whyP1

guides.financialIntelligence.sections.vpt.whyP2

guides.financialIntelligence.sections.vpt.waysTitle

guides.financialIntelligence.sections.vpt.w1Label guides.financialIntelligence.sections.vpt.w1Body

guides.financialIntelligence.sections.vpt.w2Label guides.financialIntelligence.sections.vpt.w2Body

guides.financialIntelligence.sections.vpt.w3Label guides.financialIntelligence.sections.vpt.w3Body

💡 guides.financialIntelligence.sections.vpt.callout

guides.financialIntelligence.sections.imiRates.title

guides.financialIntelligence.sections.imiRates.lead

guides.financialIntelligence.sections.imiRates.intro

guides.financialIntelligence.sections.imiRates.table.municipalityguides.financialIntelligence.sections.imiRates.table.rateguides.financialIntelligence.sections.imiRates.table.notes
guides.financialIntelligence.sections.imiRates.table.rows.r1.nameguides.financialIntelligence.sections.imiRates.table.rows.r1.rateguides.financialIntelligence.sections.imiRates.table.rows.r1.note
guides.financialIntelligence.sections.imiRates.table.rows.r2.nameguides.financialIntelligence.sections.imiRates.table.rows.r2.rateguides.financialIntelligence.sections.imiRates.table.rows.r2.note
guides.financialIntelligence.sections.imiRates.table.rows.r3.nameguides.financialIntelligence.sections.imiRates.table.rows.r3.rateguides.financialIntelligence.sections.imiRates.table.rows.r3.note
guides.financialIntelligence.sections.imiRates.table.rows.r4.nameguides.financialIntelligence.sections.imiRates.table.rows.r4.rateguides.financialIntelligence.sections.imiRates.table.rows.r4.note
guides.financialIntelligence.sections.imiRates.table.rows.r5.nameguides.financialIntelligence.sections.imiRates.table.rows.r5.rateguides.financialIntelligence.sections.imiRates.table.rows.r5.note
guides.financialIntelligence.sections.imiRates.table.rows.r6.nameguides.financialIntelligence.sections.imiRates.table.rows.r6.rateguides.financialIntelligence.sections.imiRates.table.rows.r6.note
guides.financialIntelligence.sections.imiRates.table.rows.r7.nameguides.financialIntelligence.sections.imiRates.table.rows.r7.rateguides.financialIntelligence.sections.imiRates.table.rows.r7.note
guides.financialIntelligence.sections.imiRates.table.rows.r8.nameguides.financialIntelligence.sections.imiRates.table.rows.r8.rateguides.financialIntelligence.sections.imiRates.table.rows.r8.note
guides.financialIntelligence.sections.imiRates.table.rows.r9.nameguides.financialIntelligence.sections.imiRates.table.rows.r9.rateguides.financialIntelligence.sections.imiRates.table.rows.r9.note
guides.financialIntelligence.sections.imiRates.table.rows.r10.nameguides.financialIntelligence.sections.imiRates.table.rows.r10.rateguides.financialIntelligence.sections.imiRates.table.rows.r10.note
guides.financialIntelligence.sections.imiRates.table.rows.r11.nameguides.financialIntelligence.sections.imiRates.table.rows.r11.rateguides.financialIntelligence.sections.imiRates.table.rows.r11.note
guides.financialIntelligence.sections.imiRates.table.rows.r12.nameguides.financialIntelligence.sections.imiRates.table.rows.r12.rateguides.financialIntelligence.sections.imiRates.table.rows.r12.note
guides.financialIntelligence.sections.imiRates.table.rows.r13.nameguides.financialIntelligence.sections.imiRates.table.rows.r13.rateguides.financialIntelligence.sections.imiRates.table.rows.r13.note
guides.financialIntelligence.sections.imiRates.table.rows.r14.nameguides.financialIntelligence.sections.imiRates.table.rows.r14.rateguides.financialIntelligence.sections.imiRates.table.rows.r14.note
guides.financialIntelligence.sections.imiRates.table.rows.r15.nameguides.financialIntelligence.sections.imiRates.table.rows.r15.rateguides.financialIntelligence.sections.imiRates.table.rows.r15.note
guides.financialIntelligence.sections.imiRates.table.rows.r16.nameguides.financialIntelligence.sections.imiRates.table.rows.r16.rateguides.financialIntelligence.sections.imiRates.table.rows.r16.note
guides.financialIntelligence.sections.imiRates.table.rows.r17.nameguides.financialIntelligence.sections.imiRates.table.rows.r17.rateguides.financialIntelligence.sections.imiRates.table.rows.r17.note
guides.financialIntelligence.sections.imiRates.table.rows.r18.nameguides.financialIntelligence.sections.imiRates.table.rows.r18.rateguides.financialIntelligence.sections.imiRates.table.rows.r18.note
guides.financialIntelligence.sections.imiRates.table.rows.r19.nameguides.financialIntelligence.sections.imiRates.table.rows.r19.rateguides.financialIntelligence.sections.imiRates.table.rows.r19.note
guides.financialIntelligence.sections.imiRates.table.rows.r20.nameguides.financialIntelligence.sections.imiRates.table.rows.r20.rateguides.financialIntelligence.sections.imiRates.table.rows.r20.note

guides.financialIntelligence.sections.imiRates.examplesTitle

guides.financialIntelligence.sections.imiRates.examplesTable.vptguides.financialIntelligence.sections.imiRates.examplesTable.lisbonguides.financialIntelligence.sections.imiRates.examplesTable.sintraguides.financialIntelligence.sections.imiRates.examplesTable.loures
€150,000€450/yr€585/yr€600/yr
€250,000€750/yr€975/yr€1,000/yr
€400,000€1,200/yr€1,560/yr€1,600/yr
€600,000€1,800/yr€2,340/yr€2,400/yr

guides.financialIntelligence.sections.imiRates.exemptionsTitle

  • guides.financialIntelligence.sections.imiRates.e1Label guides.financialIntelligence.sections.imiRates.e1Body
  • guides.financialIntelligence.sections.imiRates.e2Label guides.financialIntelligence.sections.imiRates.e2Body
  • guides.financialIntelligence.sections.imiRates.e3Label guides.financialIntelligence.sections.imiRates.e3Body

guides.financialIntelligence.sections.imiRates.payment

guides.financialIntelligence.sections.aimi.title

guides.financialIntelligence.sections.aimi.lead

guides.financialIntelligence.sections.aimi.p1

guides.financialIntelligence.sections.aimi.thresholdTitle

guides.financialIntelligence.sections.aimi.table.vptguides.financialIntelligence.sections.aimi.table.rate
guides.financialIntelligence.sections.aimi.table.rows.r1vguides.financialIntelligence.sections.aimi.table.rows.r1r
guides.financialIntelligence.sections.aimi.table.rows.r2vguides.financialIntelligence.sections.aimi.table.rows.r2r
guides.financialIntelligence.sections.aimi.table.rows.r3vguides.financialIntelligence.sections.aimi.table.rows.r3r
guides.financialIntelligence.sections.aimi.table.rows.r4vguides.financialIntelligence.sections.aimi.table.rows.r4r

guides.financialIntelligence.sections.aimi.jointTitle

guides.financialIntelligence.sections.aimi.jointBody

guides.financialIntelligence.sections.aimi.companiesTitle

guides.financialIntelligence.sections.aimi.companiesBody

guides.financialIntelligence.sections.aimi.investorsTitle

guides.financialIntelligence.sections.aimi.investorsP1

guides.financialIntelligence.sections.aimi.investorsP2

guides.financialIntelligence.links.epbd

guides.financialIntelligence.sections.aicf.title

guides.financialIntelligence.sections.aicf.lead

guides.financialIntelligence.sections.aicf.p1

Certificado Energético · Diretiva EPBD 2024/1275

Escala de classificação energética & prazos obrigatórios da EPBD

Comprar um imóvel de Classe F ou G em Portugal não e apenas comprar um edificio ineficiente — e assumir um projeto de reabilitação obrigatório com prazos legalmente vinculativos.

Escala energética da UE
A+ (mais eficiente) -> G (menos eficiente)
A+
Muito eficiente
Sem necessidade de reabilitação
Conforme
A
Muito eficiente
Sem necessidade de reabilitação
Conforme
B
Eficiente
Sem necessidade de reabilitação
Conforme
C
Acima da média
0€-5.000€ (opcional)
Conforme
D
Média - mínimo legal em 2033
0€-5.000€ para subir a C
Classe-alvo
E
Abaixo da média
5.000€-15.000€ para atingir D
Atenção
F
Fraca - restrições de venda em 2030
15.000€-45.000€ de reabilitação
Risco elevado
G
Muito fraca - restrições no arrendamento já em vigor
45.000€-80.000€+ de reabilitação
Crítico
Mínimo 2033 - Classe D
Diretiva EPBD 2024/1275 · marcos obrigatórios
Calendário de conformidade energética em Portugal
Prazos vinculativos que afetam valor, rentabilidade e liquidez de venda.
Estamos aqui - 2026
Jan 2026
Restrições de arrendamento para Classe G
Imóveis Classe G deixaram de poder ser oferecidos em novos contratos de arrendamento. Ja em vigor.
G
2030
Classes F e G enfrentam restrições de venda
Imóveis Classe F ou G enfrentam restrições de revenda. Um imóvel comprado hoje com Classe F torna-se muito mais difícil de vender a partir de 2030 sem reabilitação concluida.
FG15.000€-80.000€+ de reabilitação
2033
Todos os imóveis devem atingir no mínimo Classe D
Prazo vinculativo. Todo o parque residencial em Portugal deve atingir, pelo menos, Classe D.
EFG
C–D
0€-5.000€
Intervenções leves de isolamento ou caixilharia. Baixa obrigação.
E
5.000€-15.000€
Melhoria de aquecimento e isolamento parcial.
F
15.000€-45.000€
Obras relevantes: janelas, isolamento e sistema de aquecimento.
G
45.000€-80.000€+
Reabilitação integral da envolvente. Moradia de 200m² pode ultrapassar 80.000€.

O AIRCS da HomeOS quantifica o passivo de reabilitação EPBD antes da compra — modelando CAPEX estimado com base na classe energética atual, dimensao do imóvel e zona climatica.

A HomeOS identifica o passivo energético antes da assinatura
AIRCS · Modelo de CAPEX EPBD · Sem visita ao imóvel
Verificar na HomeOS (grátis) →
Diretiva EPBD 2024/1275 — prazos por classe energética e custos de reabilitação.

guides.financialIntelligence.sections.aicf.exampleIntro

  • guides.financialIntelligence.sections.aicf.li1
  • guides.financialIntelligence.sections.aicf.li2
  • guides.financialIntelligence.sections.aicf.li3

guides.financialIntelligence.sections.aicf.tableIntro

guides.financialIntelligence.sections.aicf.table.layerguides.financialIntelligence.sections.aicf.table.standardguides.financialIntelligence.sections.aicf.table.homeos
guides.financialIntelligence.sections.aicf.table.rows.purchasePrice€350,000€350,000
guides.financialIntelligence.sections.aicf.table.rows.imt€16,404€16,404
guides.financialIntelligence.sections.aicf.table.rows.stampDuty€2,800€2,800
guides.financialIntelligence.sections.aicf.table.rows.notaryRegistry€1,200€1,200
guides.financialIntelligence.sections.aicf.table.rows.legalFees€2,500€2,500
guides.financialIntelligence.sections.aicf.table.rows.vptRiskguides.financialIntelligence.sections.aicf.table.rows.notModelled+€3,200
guides.financialIntelligence.sections.aicf.table.rows.epbdRetrofitguides.financialIntelligence.sections.aicf.table.rows.notModelled+€28,000
guides.financialIntelligence.sections.aicf.table.rows.simplexLegalisationguides.financialIntelligence.sections.aicf.table.rows.notModelled+€15,000
guides.financialIntelligence.sections.aicf.table.rows.trueCost€372,904€419,104
guides.financialIntelligence.sections.aicf.table.rows.overpaymentguides.financialIntelligence.sections.totalCostModel.tenYearTable.cells.emDash€46,200

guides.financialIntelligence.sections.aicf.closing

guides.financialIntelligence.links.realityGap

Desbloqueie o relatório completo de guides.financialIntelligence.sections.aicf.ctaFeatureName

O plano Profissional inclui verificações ilimitadas, cofre de documentos completo e calendário de conformidade.

Subscrever Profissional — 99€/ano

guides.financialIntelligence.sections.absorptionTime.title

guides.financialIntelligence.sections.absorptionTime.lead

guides.financialIntelligence.sections.absorptionTime.p1

guides.financialIntelligence.sections.absorptionTime.p2

guides.financialIntelligence.sections.absorptionTime.howTitle

guides.financialIntelligence.sections.absorptionTime.howBody

guides.financialIntelligence.sections.absorptionTime.wrongTitle

guides.financialIntelligence.sections.absorptionTime.wrongBody

guides.financialIntelligence.sections.absorptionTime.segmentTitle

guides.financialIntelligence.sections.absorptionTime.table.segmentguides.financialIntelligence.sections.absorptionTime.table.avgguides.financialIntelligence.sections.absorptionTime.table.env
guides.financialIntelligence.sections.absorptionTime.table.rows.r1sguides.financialIntelligence.sections.absorptionTime.table.rows.r1aguides.financialIntelligence.sections.absorptionTime.table.rows.r1e
guides.financialIntelligence.sections.absorptionTime.table.rows.r2sguides.financialIntelligence.sections.absorptionTime.table.rows.r2aguides.financialIntelligence.sections.absorptionTime.table.rows.r2e
guides.financialIntelligence.sections.absorptionTime.table.rows.r3sguides.financialIntelligence.sections.absorptionTime.table.rows.r3aguides.financialIntelligence.sections.absorptionTime.table.rows.r3e
guides.financialIntelligence.sections.absorptionTime.table.rows.r4sguides.financialIntelligence.sections.absorptionTime.table.rows.r4aguides.financialIntelligence.sections.absorptionTime.table.rows.r4e
guides.financialIntelligence.sections.absorptionTime.table.rows.r5sguides.financialIntelligence.sections.absorptionTime.table.rows.r5aguides.financialIntelligence.sections.absorptionTime.table.rows.r5e
guides.financialIntelligence.sections.absorptionTime.table.rows.r6sguides.financialIntelligence.sections.absorptionTime.table.rows.r6aguides.financialIntelligence.sections.absorptionTime.table.rows.r6e

guides.financialIntelligence.sections.totalCostModel.title

guides.financialIntelligence.sections.totalCostModel.lead

guides.financialIntelligence.sections.totalCostModel.exampleIntro

guides.financialIntelligence.sections.totalCostModel.year1Title

guides.financialIntelligence.sections.totalCostModel.year1Table.costguides.financialIntelligence.sections.totalCostModel.year1Table.amount
guides.financialIntelligence.sections.totalCostModel.year1Table.rows.purchasePrice€350,000
guides.financialIntelligence.sections.totalCostModel.year1Table.rows.imtNonResident€16,405
guides.financialIntelligence.sections.totalCostModel.year1Table.rows.stamp08€2,800
guides.financialIntelligence.sections.totalCostModel.year1Table.rows.notaryRegistryFees€1,200
guides.financialIntelligence.sections.totalCostModel.year1Table.rows.legalFees€2,500
guides.financialIntelligence.sections.totalCostModel.year1Table.rows.aicfAdjustmentguides.financialIntelligence.sections.totalCostModel.year1Table.rows.flagged
guides.financialIntelligence.sections.totalCostModel.year1Table.rows.totalOutlay€372,905

guides.financialIntelligence.sections.totalCostModel.annualTitle

guides.financialIntelligence.sections.totalCostModel.annualTable.costguides.financialIntelligence.sections.totalCostModel.annualTable.amountguides.financialIntelligence.sections.totalCostModel.annualTable.total
guides.financialIntelligence.sections.totalCostModel.annualTable.rows.imiLisbon€870/yr€8,700
guides.financialIntelligence.sections.totalCostModel.annualTable.rows.insurance€400–€800/yr€4,000–€8,000
guides.financialIntelligence.sections.totalCostModel.annualTable.rows.condo€800–€2,400/yr€8,000–€24,000
guides.financialIntelligence.sections.totalCostModel.annualTable.rows.accountant€300–€600/yr€3,000–€6,000
guides.financialIntelligence.sections.totalCostModel.annualTable.rows.subtotal€2,370–€4,670€23,700–€46,700

guides.financialIntelligence.sections.totalCostModel.hiddenTitle

guides.financialIntelligence.sections.totalCostModel.hiddenTable.costguides.financialIntelligence.sections.totalCostModel.hiddenTable.timingguides.financialIntelligence.sections.totalCostModel.hiddenTable.amount
guides.financialIntelligence.sections.totalCostModel.hiddenTable.rows.epbdguides.financialIntelligence.sections.totalCostModel.hiddenTable.rows.y24€22,000–€38,000
guides.financialIntelligence.sections.totalCostModel.hiddenTable.rows.simplexguides.financialIntelligence.sections.totalCostModel.hiddenTable.rows.y13€0–€35,000
guides.financialIntelligence.sections.totalCostModel.hiddenTable.rows.vptguides.financialIntelligence.sections.totalCostModel.hiddenTable.rows.y13+€500–€1,500/yr in additional IMI

guides.financialIntelligence.sections.totalCostModel.tenYearTitle

guides.financialIntelligence.sections.totalCostModel.tenYearTable.categoryguides.financialIntelligence.sections.totalCostModel.tenYearTable.lowguides.financialIntelligence.sections.totalCostModel.tenYearTable.high
guides.financialIntelligence.sections.totalCostModel.tenYearTable.rows.acquisition€372,905€372,905
guides.financialIntelligence.sections.totalCostModel.tenYearTable.rows.holding€23,700€46,700
guides.financialIntelligence.sections.totalCostModel.tenYearTable.rows.epbd€22,000€38,000
guides.financialIntelligence.sections.totalCostModel.tenYearTable.rows.simplexguides.financialIntelligence.sections.totalCostModel.tenYearTable.cells.simplexLowguides.financialIntelligence.sections.totalCostModel.tenYearTable.cells.simplexHigh
guides.financialIntelligence.sections.totalCostModel.tenYearTable.rows.vpt€0€15,000
guides.financialIntelligence.sections.totalCostModel.tenYearTable.rows.total€418,605€507,605

⚠️ guides.financialIntelligence.sections.totalCostModel.warning

guides.financialIntelligence.sections.totalCostModel.ctaTitle

guides.financialIntelligence.sections.totalCostModel.ctaP1

guides.financialIntelligence.sections.totalCostModel.ctaP2

guides.financialIntelligence.sections.totalCostModel.ctaP3

guides.financialIntelligence.sections.totalCostModel.ctaP4Label guides.financialIntelligence.sections.totalCostModel.ctaP4Body

guides.financialIntelligence.sections.totalCostModel.ctaButton

Enviamos-lhe a checklist e informações ocasionais sobre imóveis. Pode cancelar a qualquer momento.

guides.financialIntelligence.faq.heading

guides.financialIntelligence.footer.disclaimer

guides.financialIntelligence.footer.links.dueDiligence

guides.financialIntelligence.footer.links.epbd

guides.financialIntelligence.footer.links.realityGap

guides.financialIntelligence.footer.links.foreignBuyers

guides.sharedLayout.footer.keepReading

guides.sharedLayout.footer.heading

EPBD Portugal 2026-2033

EPBD em Portugal: prazos das classes F/G, desconto castanho, custos de renovacao e risco de conformi...

Indicador de Preco Justo

O Indicador de Preco Justo da HomeOS mede a divergencia entre o estado legal registado de um imovel ...

Guia Completo para Comprar Imovel em Portugal como Estrangeiro (Edicao 2026)

Comprar imovel em Portugal como estrangeiro: NIF, conta bancaria, CPCV, Simplex 2024, EPBD e 7 erros...

guides.sharedLayout.footer.ready

guides.sharedLayout.footer.cta
Complete Guide to Property Taxes and True Cost of Ownership in Portugal (2025–2026) | HomeOS