To submit a Housing Loan application, you should gather the following documentation:

Personal documents required for risk analysis

  • ID document
  • Tax Identification Number (Portuguese NIF)
  • Tax documents with annual income
  • Credit Report from your country, if applicable
  • Last 3 pay stubs or monthly income proof doc
  • Last 3 Bank statements

Documents required to open a bank account

  • ID document
  • Proof of address
  • Proof of professional occupation

Documents required for the appraisal

  • Caderneta Predial (land register)
  • Registo/Certidão Permanente da Conservatória (certificate content of the land registry office)
  • Plants and blueprints of the property

In the case of credit for construction you should add:

  • Architectural Project
  • Construction Budget / Contract Specifications

Documents for the deed scheduling

  • Property usage permit (in case of credit for construction: construction permit)
  • Energy Certificate
  • Technical file in properties built or rebuilt after March 30th, 2004
  • IMT and IS liquidation payment slips

Please note:these documents apply to most credits, however, there are sometimes properties or credits with some particularities and that require the presentation of additional documentation. Some examples: certificate of incapacity, Right of Preference, proof of debt liquidation, previous deed, etc.

 

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