Finances

At Azimute, we leverage long-standing partnerships with Portugal’s leading banks to bring you the most competitive mortgage options, even as a non-resident. Our goal is to make your property purchase smoother, more efficient, and financially optimized. Portugal’s mortgage landscape in 2025 In January 2025, the implicit interest rate on housing credit in Portugal dropped to 3.978 %, falling below...

The D7 Visa has emerged as one of Portugal’s most attractive residency options for non-EU nationals. It allows individuals with stable passive income from pensions, investments, royalties or real estate, to reside legally in Portugal while accessing one of Europe’s most promising markets. Who the D7 Visa is for Introduced in 2007, the D7 program is designed for individuals who can sustain...

Each case can be different, and banks may request more or less documentation in a home loan application process. Find out here the main documents requested by the Portuguese banks. General Portuguese Tax Number Copy of ID Card(s) or Passport(s) Proof of Address (i.e. utility bill) Bank statements for the last 6 months (current & savings accounts) Credit Report (for some...

If you are looking to buy a property in Portugal and want to request a bank loan, you might have heard about credit intermediaries. What’s their role? We’ll explain. The Credit Intermediary isn’t a bank. It is a natural or legal person, duly authorized and registered with the Bank of Portugal (BdP), that can mediate the financing process between the client and the bank. They are not...

Bureaucracy exists almost everywhere, right? Portugal is no different, and there are some requirements if you are going to buy a property in this country. We’ll explain. 1 – First, you need to have a Portugal taxpayer number, commonly known as NIF (Fiscal Identification Number). 2 – The second step is to open a local bank account. 3 – If you are requesting a bank loan, the bank will...