{"id":462,"date":"2022-01-03T12:27:03","date_gmt":"2022-01-03T12:27:03","guid":{"rendered":"http:\/\/mbnegocios.pt\/?p=462"},"modified":"2022-04-26T13:05:22","modified_gmt":"2022-04-26T12:05:22","slug":"todos-os-documentos-necessarios-para-obter-um-credito-habitacao","status":"publish","type":"post","link":"https:\/\/topdeal.pt\/en\/todos-os-documentos-necessarios-para-obter-um-credito-habitacao\/","title":{"rendered":"All the documents you need to obtain a housing loan"},"content":{"rendered":"<p>To submit a Housing Loan application, you should gather the following documentation:<\/p>\n<h3>Personal documents required for risk analysis<\/h3>\n<ul class=\"normal\">\n<li>ID document<\/li>\n<li>Tax Identification Number (Portuguese NIF)<\/li>\n<li>Tax documents with annual income<\/li>\n<li>Credit Report from your country, if applicable<\/li>\n<li>Last 3 pay stubs or monthly income proof doc<\/li>\n<li>Last 3 Bank statements<\/li>\n<\/ul>\n<h3>Documents required to open a bank account<\/h3>\n<ul class=\"normal\">\n<li>ID document<\/li>\n<li>Proof of address<\/li>\n<li>Proof of professional occupation<\/li>\n<\/ul>\n<h3>Documents required for the appraisal<\/h3>\n<ul class=\"normal\">\n<li>Caderneta Predial (land register)<\/li>\n<li>Registo\/Certid\u00e3o Permanente da Conservat\u00f3ria (certificate content of the land registry office)<\/li>\n<li>Plants and blueprints of the property<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\">In the case of <strong>credit for construction<\/strong> you should add:<\/p>\n<ul class=\"normal\">\n<li>Architectural Project<\/li>\n<li>Construction Budget \/ Contract Specifications<\/li>\n<\/ul>\n<h3>Documents for the deed scheduling<\/h3>\n<ul class=\"normal\">\n<li>Property usage permit (in case of credit for construction: construction permit)<\/li>\n<li>Energy Certificate<\/li>\n<li>Technical file in properties built or rebuilt after March 30th, 2004<\/li>\n<li>IMT and IS liquidation payment slips<\/li>\n<\/ul>\n<p><strong>Please note:<\/strong>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.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Useful Links<\/strong><\/p>\n<ul class=\"normal\">\n<li><a href=\"https:\/\/irs.portaldasfinancas.gov.pt\/consultarIRSCompList.action\" target=\"_blank\" rel=\"noopener\">Modelo 3 IRS<\/a><\/li>\n<li><a href=\"https:\/\/www.portaldasfinancas.gov.pt\/pt\/emissaoCertidaoForm.action\" target=\"_blank\" rel=\"noopener\">Nota Liquida\u00e7\u00e3o IRS<\/a><\/li>\n<li><a href=\"https:\/\/www.bportugal.pt\/area-cidadao\/formulario\/227\" target=\"_blank\" rel=\"noopener\">Responsabilidades Banco de Portugal<\/a><\/li>\n<li><a href=\"https:\/\/www.portaldasfinancas.gov.pt\/pt\/main.jsp?body=\/ca\/patrimonio.jsp\" target=\"_blank\" rel=\"noopener\">Caderneta Predial (land register)<\/a><\/li>\n<li><a href=\"https:\/\/www.predialonline.pt\/PredialOnline\/FRM001RPOLCP_input.action\" target=\"_blank\" rel=\"noopener\">Certid\u00e3o Permanente<\/a><\/li>\n<li><a href=\"https:\/\/www.portaldasfinancas.gov.pt\/pt\/main.jsp?body=\/imt\/entregaIMTContribuinteAppletForm.jsp\" target=\"_blank\" rel=\"noopener\">Guia pagamento IMT e IS<\/a><\/li>\n<li><a href=\"https:\/\/www.casapronta.pt\/CasaPronta\/preferencias\/PrePasso1.jsp\">Casa Pronta<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Are you going to aplly for a Housing Loan? Check the required documents.<\/p>","protected":false},"author":1,"featured_media":463,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"_joinchat":[],"footnotes":"","jetpack_post_was_ever_published":false},"categories":[4],"tags":[],"class_list":["post-462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2022\/01\/documentos_1.jpg?fit=2400%2C1800&ssl=1","_links":{"self":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/462","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/comments?post=462"}],"version-history":[{"count":5,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/462\/revisions"}],"predecessor-version":[{"id":581,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/462\/revisions\/581"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media\/463"}],"wp:attachment":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media?parent=462"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/categories?post=462"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/tags?post=462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}