U C HOMES

  Ultimamente, tenho lido comentários chocantes em alguns grupos de expats — inclusive por administradores — desvalorizando Portugal como país pobre, caro e mal gerido. Lately, I’ve seen some shocking comments in expat groups — even from admins — dismissing Portugal as poor, expensive and dysfunctional. ❌ Vamos repor a verdade. ❌ Let’s set the record straight. 📌 Nos últimos 15 anos, Portugal modernizou-se como poucos: 📌 Over the past 15 years, Portugal has undergone a quiet but profound transformation: ✅ Simplex : sistema de desburocratização que digitalizou os serviços públicos. ✅ Simplex : streamlined bureaucracy and digitized public services long before others. ✅ Multibanco : sistema ATM único no mundo — onde se pagam contas, impostos, passes, tudo. ✅ Multibanco : Portugal’s world-leading ATM system — bills, taxes, transport passes... all from a single machine. ✅ Via Verde : pioneiro sistema automático de portagens — modelo para outros países. ✅ Via Verde : an early ...

  Buying property in Portugal through financing is possible for both residents and non-residents, but mortgage conditions vary depending on nationality, residency status, and banking policies. Below is an overview of what to expect based on different buyer profiles. 1. Portuguese Citizens Residing Abroad (Non-Residents) Portuguese nationals who live outside Portugal but want to purchase property in the country have access to local mortgages under special conditions. Banks often classify them as non-resident buyers , meaning: ✅ Loan-to-Value (LTV): Up to 70%-80% of the property’s appraised value or purchase price (whichever is lower). ✅ Interest Rates: Generally similar to resident rates, but can be slightly higher. ✅ Income Assessment: Global income is considered, but some banks may apply currency conversion risks for non-EUR earnings. ✅ Required Documents: Proof of income, tax returns, Portuguese tax number (NIF), and credit history from the country of residence. 💡 Tip: If you h...

If you're an American expat looking to buy, sell, or rent property in Portugal, there's a crucial distinction in the real estate industry in Portugal that you should be aware of.  Unlike in the U.S., where a licensed Real Estate Agent is legally authorized to represent clients in transactions, in Portugal, most professionals you meet are actually Real Estate Consultants—not agents . 🔹 Who is a Real Estate Agent in Portugal? A licensed Real Estate Agent (Agente Imobiliário) or Private Broker, holds an official license from the Portuguese regulatory authority (IMPIC), carries professional liability insurance, and is legally responsible for transactions. The agent deals directly with clients and assumes full accountability under Portuguese law. 🔹 What about Real Estate Consultants? Most professionals working under big-name real estate franchises in Portugal are Real Estate Consultants (Consultores Imobiliários). They are contracted by the brand, not individually licensed, and op...

'Extraordinary' Relocation & Concierge Package  Hassle-Free Rental Experience in Northern Portugal Relocating to Portugal? Our 'Extraordinary'  Package is designed for international clients seeking a stress-free transition to the North of Portugal. From property searches to legal paperwork, we handle every step, ensuring you arrive with everything set up and ready to go . ✅ Remote Convenience – Set everything up before arriving in Portugal . ✅ Expert Guidance – Local expertise, legal insights, and personalized support. What’s Included? Pre-Arrival & Rental Assistance: 🔎 Rental Market Research – 75+ hours of research tailored to your needs. 🏡 Property Visits & Reports – 6 in-person visits by our team with detailed feedback. 📄 Lease Agreement Review – Legal verification to ensure fair terms. 📝 Translation of Lease Agreement – Bilingual if required, for full clarity. Concierge & Bureaucratic Support: 🏦 Bank Account Setup – Assistance in openin...