{"id":1813,"date":"2025-07-31T15:44:32","date_gmt":"2025-07-31T14:44:32","guid":{"rendered":"https:\/\/trust-investments.pt\/?p=1813"},"modified":"2025-11-26T12:09:27","modified_gmt":"2025-11-26T11:09:27","slug":"i-want-to-get-a-loan-to-buy-a-house-talk-to-us","status":"publish","type":"post","link":"https:\/\/trust-investments.pt\/en\/2025\/07\/31\/i-want-to-get-a-loan-to-buy-a-house-talk-to-us\/","title":{"rendered":"Want to get a loan to buy a house? Talk to us"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1813\" class=\"elementor elementor-1813 elementor-1811\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4485d92c e-flex e-con-boxed e-con e-parent\" data-id=\"4485d92c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-784adb48 elementor-widget elementor-widget-text-editor\" data-id=\"784adb48\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Buying a home with bank financing in Portugal involves several formal steps. See the steps below for the entire typical process for Portuguese citizens and foreigners (residents and non-residents). <\/p><div style=\"text-align: center;\" align=\"center\"><hr align=\"center\" size=\"2\" width=\"100%\"><\/div><p>  1. Assess financial capacity<\/p><p>First of all, evaluate:<\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li>Monthly income and professional stability<\/li><li>Savings for initial deposit (minimum 10-20%) and associated costs<\/li><\/ul><p> <i>In Portugal, banks typically finance up to 90% of the home&#8217;s value (or up to 80% for non-residents).<\/i><\/p><div style=\"text-align: center;\" align=\"center\"><hr align=\"center\" size=\"2\" width=\"100%\"><\/div><p>  2. Choose the property and obtain the documentation<\/p><p>You need<\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li>Promise of purchase and sale (promise contract)<\/li><li>Urban property register (property tax information)<\/li><li>Permanent certificate of land registration (ownership and charges)<\/li><li>Usage license and energy certificate<\/li><\/ul><div style=\"text-align: center;\" align=\"center\"><hr align=\"center\" size=\"2\" width=\"100%\"><\/div><p>  3. Request credit simulation and approval<\/p><p>Contact us and:<\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li>Request our mortgage loan simulations<\/li><li>we Compare: interest rate (spread), APR, MTIC, mandatory insurance, terms<\/li><li>Prepare documents (we help with obtaining them)<\/li><\/ul><p>Documents generally required:<\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li>Identification (ID or passport)<\/li><li>Proof of income (pay slips, IRS)<\/li><li>Employer&#8217;s statement<\/li><li>Bank statements<\/li><li>Fiscal number<\/li><li>Proof of address<\/li><li>Document from the Bank of Portugal (Certificate of Credit Liability)<\/li><\/ul><p> <i>Foreign citizens also need a Portuguese NIF and a local bank account.<\/i><\/p><div style=\"text-align: center;\" align=\"center\"><hr align=\"center\" size=\"2\" width=\"100%\"><\/div><p>  4. Property valuation by the bank<\/p><p>the bank will<\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li><br><br>Send an expert to evaluate the property<\/li><li>Confirm that the value of the property justifies the loan amount<\/li><\/ul><div style=\"text-align: center;\" align=\"center\"><hr align=\"center\" size=\"2\" width=\"100%\"><\/div><p>  5. Sign a promise contract and pay a deposit<\/p><p>As a rule:<\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li>The Purchase and Sale Promise Agreement (CPCV) is granted with a deposit (10% to 20%).<\/li><\/ul><div style=\"text-align: center;\" align=\"center\"><hr align=\"center\" size=\"2\" width=\"100%\"><\/div><p>  6. Final approval of credit and deed<\/p><p>After final approval:<\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li>Signing of the housing loan agreement<\/li><li>Marking of the public deed of purchase and sale (usually done at the registry office or notary)<\/li><\/ul><div style=\"text-align: center;\" align=\"center\"><hr align=\"center\" size=\"2\" width=\"100%\"><\/div><p>  7. Costs to consider<\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li>IMT (Municipal Transfer Tax)<\/li><li>IS (Stamp Duty)<\/li><li>Notary and registration fees<\/li><li>Bank commission for opening credit<\/li><li>Mandatory insurance: life and multi-risk <\/li><\/ul><p>Request further clarification on these matters.<\/p><p>Ask a free quote<br>+351 914 464 444 (WhatsApp)<br><a tabindex=\"0\" href=\"mailto:info@trust-vali.pt\" target=\"_self\" data-test-app-aware-link=\"\">info@trust-investments.pt<\/a><br><a tabindex=\"0\" href=\"http:\/\/www.trust-investments.pt\/\" target=\"_self\" data-test-app-aware-link=\"\">www.trust-Investments.pt<\/a><\/p><p>Intermedi\u00e1rio de Credito vinculado, registado no Banco de Portugal numero 8274<\/p><p>#trust #mortgage #insurance #algarve #portugal #creditoHabitacao #InvestInPortugal #buyAHouseInAlgarve<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Buying a home with bank financing in Portugal involves several formal steps. See the steps below for the entire typical process for Portuguese citizens and foreigners (residents and non-residents). 1. Assess financial capacity First of all, evaluate: Monthly income and professional stability Savings for initial deposit (minimum 10-20%) and associated costs In Portugal, banks typically finance up to 90% of [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1826,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[144,231,229,233,234,230,235,95,232,94],"class_list":["post-1813","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","tag-algarve-en","tag-apply-for-a-loan-to-buy-a-house","tag-ask-a-mortgage-in-portugal-en","tag-buy-a-house-here","tag-buy-a-house-in-the-algarve-trust-financing-en","tag-get-a-free-quote-en","tag-invest-in-algarve-en","tag-loule-en","tag-to-build-a-house","tag-vilamoura-en"],"_links":{"self":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/1813","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/comments?post=1813"}],"version-history":[{"count":7,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/1813\/revisions"}],"predecessor-version":[{"id":1893,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/1813\/revisions\/1893"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/media\/1826"}],"wp:attachment":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/media?parent=1813"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/categories?post=1813"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/tags?post=1813"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}