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Down payment and purchase costs

How much cash you need to buy: down payment, taxes and other costs.

Shown in the property tax record (caderneta predial). Tax is charged on the higher of price and VPT.

IMT Jovem

Aged 35 or under on the deed date; first own permanent home; not a dependant for income tax that year; not owning, and not having owned in the previous 3 years, any residential urban property (CIMT art. 9(2)-(3)).

Other costs

Enter the amounts quoted to you (notary, land registry, bank). We do not use preset values.

Estimated result

Estimate

Fill in the required fields with valid values.

View sources

Rules and sources used

Version: imt-continente-2026-v2 · In force since 25/05/2026

Table validated by NOZ on 15/10/2026.

Legal basis: Como a versão v1, mais o art. 17.º, n.os 10 a 12, CIMT, aditados pelo DL n.º 97/2026, de 20/05 (taxa de 7,5 % para adquirentes não residentes de habitação). O DL não fixa data própria de entrada em vigor para esta alteração: aplica-se a regra geral do 5.º dia após a publicação (art. 2.º, n.º 2, da Lei n.º 74/98).

Source consulted on 13/10/2026

Version: selo-pt-2026-v1 · In force since 01/01/2026

Table validated by NOZ on 15/10/2026.

Legal basis: TGIS, verba 1.1 (aquisição onerosa de imóveis), verbas 17.1.1 a 17.1.3 (utilização de crédito, Lei n.º 12-A/2010) e 17.3.1 (juros); CIS, art. 7.º-A (dedução para jovens, DL n.º 48-A/2024), com o limite do 1.º escalão da Tabela II do IMT em vigor em 2026.

Source consulted on 13/10/2026

Indicative result, calculated with the rules and sources shown. It does not replace the assessment made by the Portuguese Tax Authority (AT) or personalised tax, legal or financial advice.

English translation of tax explanations pending professional review. The binding rules are those in the Portuguese legislation cited (in Portuguese).

Other tools:IMT and Stamp DutyMortgageRental yieldIMI (municipal property tax)Price per square metreTalk to NOZ about this calculation