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Practical guide · buying costs · updated 2026
The listing price is not the all-in cost. At the deed you add IMT and Stamp Duty; then notary, land registry and, if you are financing, the bank valuation. This page puts the pieces in one place. IMT is calculated in the simulator — we do not repeat the tax tables here. We do not publish €/m² or an invented “extra %” for the notary.
Three blocks, in this order: (1) deed taxes — IMT + Stamp Duty, the two large, calculable items; (2) process — notary, land registry, lawyer, and if you borrow, the bank valuation and file fees; (3) once you own — annual IMI and condo fees. The CPCV deposit is an advance on the price, not a tax. Agency commission depends on the written mandate, not on a custom invented here.
IMT is the transfer tax; Stamp Duty on an onerous purchase is typically 0.8% on the same base (the higher of price and VPT). Nationality does not exempt you. Purpose (primary residence vs other) changes IMT — that is why the calculator asks. Run both on the IMT guide and simulator. A mortgage rarely covers these taxes: they are separate cash, due at the deed.
The deed and the land-registry filing carry regulated emoluments — they scale with the act, they are not a fixed percentage like IMT. We do not publish a table that goes stale: ask the notary or the lawyer handling the file for a cost note. Budget a line for this after you know IMT, not instead of IMT.
CRT (AMI 18470) does not replace a lawyer or a notary. Fees are private and depend on scope (promissory contract, due diligence, power of attorney, attendance at the deed). We can introduce trusted partners; the contract is yours. Non-residents often add a fiscal representative and translations — process cost, not tax.
The bank values the property; valuation and file fees sit on the mortgage side, not on IMT. The deposit (LTV) is your cash — non-residents typically need more equity — see residents vs non-residents. Read the mortgage guide and do not treat pre-approval as a guarantee of the house. IMT and Stamp Duty stay outside the loan in the vast majority of cases.
IMI is the annual municipal property tax (base: VPT; rate: the municipality). It is not IMT. Condo fees are the building’s running cost, if there is a condominium. Both belong in the cost of living / yield, not in deed-day cash. We do not publish IMI rates by municipality — they change; the council bill is the source.
Cavalcanti RealEstate Team (AMI 18470) is a buyer’s agent — search, viewings and negotiation in Lisbon, Cascais and Sintra, powered by eXp Portugal. On budget: the IMT simulator, a conversation about real liquidity, and introductions to lawyer/notary. We are not a bank and we do not intermediate credit. Moving from abroad? Cross this with the relocation guide.
There is no universal “extra X%”. The large, calculable block is IMT + Stamp Duty — simulate them. Next: notary, registry and lawyer (emoluments and fees, not an invented rate). If you borrow, add the bank valuation and file costs, and confirm the taxes are not inside the loan.
As a rule, no. They are separate cash, due at the deed. The mortgage guide covers deposit and LTV; this page covers the rest of the bill.
Transfer taxes (IMT + Stamp Duty) do not depend on your passport. What can add is process: NIF, fiscal representative, translations, and more equity if the bank requires it. See the relocation guide.
It is not a tax. It is an advance on the price, negotiated in the promissory contract. It hits cash-flow at that moment, not an “IMT” line. This page does not fix a legal percentage.
No. IMT is paid on purchase (transfer). IMI is paid every year while you own. Stamp Duty at the deed is the third tax, separate from both.
IMT + Stamp Duty, yes — in the simulator. Notary, registry and lawyer are confirmed by the professionals on the file. The team helps you build liquidity before the promissory contract. AMI 18470.