Portugal Stamp Duty on Property — 2026 Rates Guide
Portugal stamp duty (Imposto de Selo): 0.8% on purchase, 0.6% on mortgage. Payment at escritura, worked examples, and links to IMT and closing costs.
By Portuguese Estate Editorial · Updated June 17, 2026 · 12 min read
Stamp Duty Portugal Property: 2026 Rate Guide
Quick Answer: Stamp duty (Imposto de Selo) is 0.8% of the declared purchase price plus 0.6% on any mortgage loan amount, paid by the buyer at escritura. Rates are identical for residents and non-residents.
Stamp duty (Imposto de Selo) in Portugal is a mandatory tax of 0.8% on property purchases and 0.6% on mortgage loans, paid by all buyers regardless of residency status at the time of completion. Unlike the variable IMT transfer tax, stamp duty has fixed rates and cannot be avoided or reduced.
Understanding Portugal’s Stamp Duty System
Stamp duty (Imposto de Selo) is one of three main taxes buyers face when purchasing Portuguese property, alongside IMT transfer tax and registration fees. While IMT rates vary by property value and buyer residency, stamp duty maintains consistent rates across all transactions.
The tax applies to the declared purchase price rather than official property valuations, making it more predictable than IMT calculations. This creates transparency for buyers planning their total purchase costs from the initial offer stage.
Stamp Duty vs Other Property Taxes
| Tax Type | Rate | Calculation Base | Paid When |
|---|---|---|---|
| Stamp Duty (Property) | 0.8% | Purchase price | At completion |
| Stamp Duty (Mortgage) | 0.6% | Loan amount | At completion |
| IMT Transfer Tax | 1-8%* | Property valuation | Before completion |
| Registration Fee | €250-€375 | Fixed amount | At completion |
*IMT rates vary by value and residency
Property Purchase Stamp Duty: 0.8% Rate
The 0.8% stamp duty applies universally to all property transactions in Portugal, with no exemptions based on buyer nationality, residency status, or property type. This includes residential properties, commercial real estate, land purchases, and fractional ownership acquisitions.
Calculation Method
Stamp duty is calculated as 0.8% of the declared purchase price in the promissory contract (CPCV). The tax authorities use this declared value rather than conducting independent property valuations, unlike IMT tax calculations.
Formula: Purchase Price × 0.8% = Stamp Duty Due
Examples by Property Value
| Purchase Price | Stamp Duty (0.8%) | Monthly Impact (25-year mortgage) |
|---|---|---|
| €250,000 | €2,000 | +€8 |
| €350,000 | €2,800 | +€11 |
| €500,000 | €4,000 | +€16 |
| €600,000 | €4,800 | +€19 |
| €750,000 | €6,000 | +€24 |
| €1,000,000 | €8,000 | +€32 |
Mortgage Stamp Duty: 0.6% on Loan Amount
When financing a Portuguese property purchase, buyers face an additional 0.6% stamp duty on the mortgage loan amount. This applies to all mortgage types, including Portuguese bank loans and international financing arrangements registered in Portugal.
Mortgage Stamp Duty Calculation
The 0.6% rate applies to the total loan amount rather than the property value, creating different tax implications based on loan-to-value ratios.
Formula: Loan Amount × 0.6% = Mortgage Stamp Duty
Loan Amount vs Stamp Duty Examples
| Loan Amount | Mortgage Stamp (0.6%) | Property Value | LTV Ratio |
|---|---|---|---|
| €200,000 | €1,200 | €350,000 | 57% |
| €280,000 | €1,680 | €400,000 | 70% |
| €350,000 | €2,100 | €500,000 | 70% |
| €420,000 | €2,520 | €600,000 | 70% |
| €525,000 | €3,150 | €750,000 | 70% |
Payment Process and Timing
Stamp duty payment occurs at the escritura (completion ceremony) and cannot be deferred or paid in instalments. Your Portuguese lawyer or notary collects the tax on behalf of the authorities as part of the completion process.
Step-by-Step Payment Process
- Pre-completion calculation: Lawyer calculates exact stamp duty based on CPCV contract terms
- Funds preparation: Buyer transfers stamp duty amount to lawyer’s client account
- Completion day: Notary processes stamp duty payment to tax authorities
- Receipt provision: Official stamp duty receipt issued as proof of payment
- Registration update: Property registry reflects stamp duty compliance
Required Documentation
- Original CPCV promissory contract with declared price
- Mortgage agreement (if applicable) showing loan amount
- Buyer identification documents (passport/ID card)
- Portuguese tax number (NIF) for all buyers
- Proof of funds transfer to lawyer’s account
Who Pays Stamp Duty
The buyer bears 100% responsibility for stamp duty payments in Portuguese property transactions. Unlike some jurisdictions where transfer taxes can be negotiated between parties, Portuguese stamp duty is a non-negotiable buyer obligation.
Buyer Responsibility Breakdown
| Stamp Duty Type | Buyer Responsibility | Seller Responsibility |
|---|---|---|
| Property Purchase (0.8%) | 100% | 0% |
| Mortgage (0.6%) | 100% | 0% |
| Payment Process | Full payment at completion | None |
| Documentation | Provide contracts and ID | Sign transfer documents only |
This allocation cannot be modified through contract negotiations, as stamp duty represents a statutory obligation to the Portuguese state rather than a negotiable transaction cost between private parties.
Complete Worked Examples
Scenario 1: €350,000 Apartment in Porto (70% Financing)
Property Details:
- Purchase price: €350,000
- Mortgage: €245,000 (70% LTV)
- Cash deposit: €105,000
Stamp Duty Breakdown:
- Property stamp duty: €350,000 × 0.8% = €2,800
- Mortgage stamp duty: €245,000 × 0.6% = €1,470
- Total stamp duty: €4,270
Complete Tax Summary:
- IMT transfer tax: €11,500 (non-resident)
- Stamp duty (total): €4,270
- Registration fee: €250
- Total government taxes: €16,020
Scenario 2: €500,000 Villa in Algarve (Cash Purchase)
Property Details:
- Purchase price: €500,000
- Financing: None (cash purchase)
Stamp Duty Breakdown:
- Property stamp duty: €500,000 × 0.8% = €4,000
- Mortgage stamp duty: €0 (no loan)
- Total stamp duty: €4,000
Complete Tax Summary:
- IMT transfer tax: €20,000 (non-resident)
- Stamp duty: €4,000
- Registration fee: €375
- Total government taxes: €24,375
Scenario 3: €600,000 Townhouse in Cascais (60% Financing)
Property Details:
- Purchase price: €600,000
- Mortgage: €360,000 (60% LTV)
- Cash deposit: €240,000
Stamp Duty Breakdown:
- Property stamp duty: €600,000 × 0.8% = €4,800
- Mortgage stamp duty: €360,000 × 0.6% = €2,160
- Total stamp duty: €6,960
Complete Tax Summary:
- IMT transfer tax: €25,500 (non-resident)
- Stamp duty (total): €6,960
- Registration fee: €375
- Total government taxes: €32,835
Stamp Duty by Buyer Type and Residency
Portugal applies identical stamp duty rates to all buyer categories, unlike IMT transfer tax which includes residency-based surcharges. This creates consistency across different buyer profiles.
Buyer Category Comparison
| Buyer Type | Property Stamp Duty | Mortgage Stamp Duty | Additional Obligations |
|---|---|---|---|
| Portuguese Resident | 0.8% | 0.6% | Standard IMT rates |
| EU Non-Resident | 0.8% | 0.6% | IMT + 3% surcharge |
| Non-EU Resident | 0.8% | 0.6% | IMT + 5% surcharge |
| Corporate Buyer | 0.8% | 0.6% | Higher IMT rates possible |
| Investment Fund | 0.8% | 0.6% | Specialist tax advice required |
While stamp duty remains constant, buyers should factor in varying IMT obligations and total purchase costs when planning their Portugal property investment.
Regional Variations and Special Cases
Unlike municipal property taxes that vary by location, stamp duty maintains uniform 0.8% and 0.6% rates across all Portuguese regions, including the Azores and Madeira autonomous regions.
Consistent National Application
- Mainland Portugal: Standard 0.8%/0.6% rates apply
- Azores Islands: Standard rates (no regional variation)
- Madeira Island: Standard rates (no regional variation)
- Remote areas: No rural/urban distinctions for stamp duty
Property Type Variations
| Property Category | Stamp Duty Rate | Special Considerations |
|---|---|---|
| Residential (new build) | 0.8% | VAT may also apply |
| Residential (resale) | 0.8% | Standard treatment |
| Commercial property | 0.8% | Professional use classification |
| Land (building plots) | 0.8% | Development potential irrelevant |
| Agricultural land | 0.8% | Same rate as residential |
| Fractional ownership | 0.8% | Applied to ownership percentage |
MORE Group Field Notes: Stamp Duty Strategy
From our experience helping over 200 clients navigate Portuguese property purchases, stamp duty represents the most predictable element of total transaction costs. Unlike IMT calculations that can shift based on property valuations, the fixed 0.8%/0.6% rates allow precise budgeting from offer stage.
Key client observations:
- Buyers often underestimate mortgage stamp duty impact on high-LTV purchases
- Cash buyers appreciate stamp duty simplicity versus complex IMT calculations
- Non-EU clients frequently assume stamp duty includes residency surcharges (it doesn’t)
- Completion timing becomes critical as stamp duty cannot be paid early or deferred
Planning recommendations:
- Budget stamp duty at 0.8% of offer price plus 0.6% of intended loan amount
- Compare total tax burden across different financing structures
- Consider stamp duty impact when negotiating purchase price reductions
- Factor mortgage stamp into loan amount calculations for affordability assessments
Impact on Total Purchase Costs
Stamp duty typically represents 15-25% of total government taxes on Portuguese property purchases, depending on property value and buyer residency status. Understanding this proportion helps buyers allocate completion funding appropriately.
Tax Burden Distribution (€500,000 Property Example)
Non-EU Buyer with 70% Financing:
- IMT transfer tax: €22,500 (including 5% surcharge)
- Property stamp duty: €4,000
- Mortgage stamp duty: €2,100
- Registration fee: €375
- Total government taxes: €28,975
Stamp duty represents 21% of total tax burden
Financing Structure Impact
| Financing Level | Property Stamp | Mortgage Stamp | Total Stamp | % of Total Taxes |
|---|---|---|---|---|
| Cash purchase | €4,000 | €0 | €4,000 | 16% |
| 50% financing | €4,000 | €1,500 | €5,500 | 20% |
| 70% financing | €4,000 | €2,100 | €6,100 | 21% |
| 80% financing | €4,000 | €2,400 | €6,400 | 22% |
Higher financing levels increase stamp duty’s share of total completion costs, affecting cash flow requirements for leveraged purchases.
Avoiding Common Stamp Duty Mistakes
Portuguese stamp duty’s straightforward calculation masks several common buyer errors that can complicate completion processes or create unexpected cost overruns.
Frequent Calculation Errors
Mistake 1: Using property valuation instead of purchase price
- Incorrect: €500,000 valuation × 0.8% = €4,000
- Correct: €480,000 purchase price × 0.8% = €3,840
Mistake 2: Assuming stamp duty negotiability
- Buyers cannot transfer stamp duty obligations to sellers
- CPCV contracts cannot modify statutory tax obligations
- Portuguese law mandates buyer responsibility regardless of agreement terms
Mistake 3: Confusing stamp duty with IMT tax
- Stamp duty: Fixed 0.8%/0.6% rates, no residency variations
- IMT tax: Variable rates with non-resident surcharges up to 5%
Documentation Preparation Issues
Ensure your Portuguese lawyer receives complete documentation at least 10 days before completion to avoid processing delays:
- CPCV contract: Must clearly state purchase price for stamp duty calculation
- Mortgage agreement: Final loan amount confirmation for mortgage stamp calculation
- Buyer identification: Valid passports and Portuguese tax numbers (NIF) for all buyers
- Proof of funds: Bank transfers covering stamp duty obligations
Stamp Duty and Property Investment Returns
For Portuguese property investors, stamp duty represents a one-time acquisition cost that should be factored into total investment returns and break-even calculations.
Investment Impact Analysis
€400,000 Investment Property:
- Property stamp duty: €3,200
- Mortgage stamp duty (70% LTV): €1,680
- Total stamp duty: €4,880
- Payback period: 8-12 months at typical rental yields
Comparative Tax Efficiency
| Transaction Cost | Amount (€400k property) | Annual Recurrence | Investment Impact |
|---|---|---|---|
| Stamp duty | €4,880 | One-time only | Acquisition cost |
| IMT transfer tax | €16,000 | One-time only | Acquisition cost |
| Municipal property tax | €400-800/year | Annual | Operating expense |
| Rental income tax | 28% of net income | Annual | Operating expense |
The one-time nature of stamp duty makes it less significant for long-term investment holds compared to recurring annual tax obligations.
Recent Stamp Duty Changes and What to Watch Next
Portugal’s stamp duty rates have remained stable at 0.8%/0.6% since 2014, providing consistency for international buyers compared to more volatile IMT transfer tax policies that have seen multiple adjustments.
Historical Rate Stability
- 2010-2013: 0.6% property / 0.5% mortgage rates
- 2014-present: Current 0.8% property / 0.6% mortgage rates
- Proposed changes: No announced modifications for 2026-2027
Policy Considerations
The Portuguese government views stamp duty as a stable revenue source rather than a policy tool for market intervention, unlike IMT surcharges that target foreign investment flows. This suggests continued rate stability for medium-term planning purposes.
However, buyers should monitor potential changes to:
- Digital payment processing requirements
- Completion timeline modifications
- Cross-border reporting obligations for non-resident buyers
Related Portugal tax and purchase guides
Stamp duty sits alongside IMT and annual IMI in the total tax stack. Cross-read: cost of buying property, IMT for non-residents 2026, CPCV contract, step-by-step purchase, hidden costs.
Risks and red flags to check before you rely on this tax figure
Tax simulations from portals rarely match your deed. Red flags we see in buyer files:
- VPT on the caderneta predial is outdated and a municipal revaluation will jump IMI and AIMI together.
- Condominium or IMI arrears from the seller are not always visible until the lawyer pulls Finanças records.
- Declaring a below-market price to save stamp duty triggers AT reassessment and penalties.
- Non-resident owners who miss the April IMI deadline face 10% surcharges plus interest.
- Treating a holiday home as primary residence to claim AIMI exemption is audit risk if you never spend 183+ days in Portugal.
Insider tip: ask your lawyer for the current VPT certificate and last two IMI payment receipts before CPCV, not at escritura.
Buyer scenarios: who this guide matters for most
| Buyer profile | Why this tax matters | Typical mistake |
|---|---|---|
| First-time foreign buyer | Budgeting net yield after annual IMI | Forgetting IMI in ROI spreadsheet |
| Lisbon investor | Higher VPT-to-price ratio | Ignoring upcoming municipal revaluation |
| Algarve holiday owner | Non-resident with April deadline from abroad | Missing payment while overseas |
| High-net-worth couple | AIMI threshold at €600k VPT per owner | Single-name ownership on €1M+ asset |
| Relocation buyer | IMT refund path tied to residency | Assuming NIF equals tax residency |
Worked comparison: €500,000 purchase — stamp duty vs IMT (non-resident, post-Sep 2026)
| Tax | Rate basis | Amount |
|---|---|---|
| IMT (non-resident flat) | 7.5% of €500,000 | €37,500 |
| Stamp duty on purchase | 0.8% of €500,000 | €4,000 |
| Stamp duty on 70% mortgage | 0.6% of €350,000 | €2,100 |
| Total transfer taxes | €43,600 |
Stamp duty is smaller than IMT but non-negotiable. Use the cost of buying property hub to model your full cash-to-close.
Portuguese Estate field note
We see buyers focus on negotiating the purchase price by 2–3% while ignoring that completing one month after 1 September 2026 as a non-resident adds €15,000+ in IMT alone compared with progressive bands. If your CPCV allows, align escritura timing with your residency plan and IMT refund eligibility under IMT refund rules.
Nationality Scenarios: Stamp Duty for Brazilian, UK and French Buyers
Stamp duty applies at 0.8% on the purchase price and 0.6% on any mortgage for every buyer regardless of nationality. The rates never change. What differs is the total tax picture, because IMT surcharges vary by residency status, which is why understanding stamp duty in isolation understates the real cost difference between buyer types.
Brazilian Buyers
Brazilian nationals are the largest non-EU group purchasing property in Portugal, accounting for approximately 8% of foreign transactions in 2024-2025 based on Confidencial Imobiliário data. The Brazil-Portugal bilateral agreement creates a residency pathway that can reduce the overall tax burden, but stamp duty remains fixed and non-refundable in all scenarios.
A Brazilian buyer completing a €500,000 purchase as a non-resident before the September 2026 IMT reform pays approximately €28,750 in IMT (including non-EU surcharge), €4,000 in property stamp duty, and €2,100 in mortgage stamp duty at 70% LTV, totalling €34,850 in government taxes, or 7% of the purchase price.
Brazilians who establish Portuguese tax residency within 6 months of purchase can apply for an IMT refund recovering €10,000-18,000 depending on property value. Confirming tax residency status before the escritura is part of thorough property due diligence. Stamp duty is not refundable.
| Brazilian Buyer Stamp Duty Component | €350,000 | €500,000 | €600,000 |
|---|---|---|---|
| Property stamp duty (0.8%) | €2,800 | €4,000 | €4,800 |
| Mortgage stamp duty at 70% LTV (0.6%) | €1,470 | €2,100 | €2,520 |
| Total stamp duty | €4,270 | €6,100 | €7,320 |
| Total including non-EU IMT | €23,495 | €34,850 | €42,570 |
UK Buyers (Post-Brexit)
UK nationals are classified as non-EU buyers for IMT purposes since January 2021. Stamp duty is unaffected: 0.8% and 0.6% applies equally to UK buyers. The gap appears in IMT, where UK buyers pay a 3-5% surcharge compared with EU residents.
On a €600,000 Algarve purchase with 60% financing, a UK buyer pays €4,800 in property stamp duty (same as any buyer) and €2,160 in mortgage stamp duty, but faces IMT of approximately €35,250 versus under €23,000 for a Portuguese resident. Total government taxes for the UK buyer reach €42,585, compared with €30,335 for a resident buyer, a difference of over €12,000 with no stamp duty component.
UK buyers should also note that GBP/EUR exchange rate movements across a 3-6 month purchase period change the sterling cost of stamp duty by £200-400 on a typical transaction, while the full purchase price exposure is 10-20 times larger.
French Buyers (EU Resident)
French buyers retain EU residency status and access IMT progressive rates without non-EU surcharges. Stamp duty is identical: 0.8% on purchase price, 0.6% on mortgage.
The saving versus UK buyers on a €500,000 purchase is approximately €5,000 in IMT, none of it attributable to stamp duty, which is the same for both nationalities. French buyers purchasing through a French SCI (Société Civile Immobilière) should confirm with their Portuguese lawyer how the acquisition structure affects IMT classification, as corporate acquisitions may trigger commercial rather than residential IMT rates.
€350k, €500k and €600k: Full Government Tax Breakdown by Buyer Type
These three price points cover the majority of international purchases in Portugal. Each table integrates stamp duty with IMT and registration costs for direct comparison across buyer types.
€350,000 Full Government Tax Breakdown
| Buyer Type | IMT | Property Stamp | Mortgage Stamp (70%) | Registration | Total |
|---|---|---|---|---|---|
| Portuguese resident | €9,905 | €2,800 | €1,470 | €250 | €14,425 |
| EU non-resident | €12,905 | €2,800 | €1,470 | €250 | €17,425 |
| UK / non-EU buyer | €15,225 | €2,800 | €1,470 | €250 | €19,745 |
| Non-EU, cash purchase | €15,225 | €2,800 | €0 | €250 | €18,275 |
Stamp duty accounts for 28-30% of total government taxes on a €350,000 non-EU purchase.
€500,000 Full Government Tax Breakdown
| Buyer Type | IMT | Property Stamp | Mortgage Stamp (70%) | Registration | Total |
|---|---|---|---|---|---|
| Portuguese resident | €18,750 | €4,000 | €2,100 | €375 | €25,225 |
| EU non-resident | €23,750 | €4,000 | €2,100 | €375 | €30,225 |
| UK / non-EU buyer | €28,750 | €4,000 | €2,100 | €375 | €35,225 |
| Non-EU, cash purchase | €28,750 | €4,000 | €0 | €375 | €33,125 |
At €500k, property stamp duty rises €1,200 from the €350k scenario while non-EU IMT rises over €13,500. Stamp duty’s share of total taxes falls to 24-26% for non-EU buyers.
€600,000 Full Government Tax Breakdown
| Buyer Type | IMT | Property Stamp | Mortgage Stamp (60%) | Registration | Total |
|---|---|---|---|---|---|
| Portuguese resident | €23,000 | €4,800 | €2,160 | €375 | €30,335 |
| EU non-resident | €29,000 | €4,800 | €2,160 | €375 | €36,335 |
| UK / non-EU buyer | €35,250 | €4,800 | €2,160 | €375 | €42,585 |
| Non-EU, cash purchase | €35,250 | €4,800 | €0 | €375 | €40,425 |
At €600k for a non-EU buyer, total government taxes of €42,585 represent 7.1% of purchase price. Stamp duty contributes €6,960, approximately 16% of that total.
Stamp Duty’s Role in the Step-by-Step Purchase Timeline
Understanding exactly when stamp duty crystallises within the complete buying process prevents cash flow surprises and completion delays.
The CPCV promissory contract fixes the declared purchase price, locking the 0.8% stamp duty calculation. No stamp duty is collected at CPCV stage; only the 10-20% deposit changes hands. If price adjustments occur before escritura (common where surveys reveal issues), stamp duty recalculates based on the revised CPCV terms.
For mortgaged purchases, the stamp duty calculation is complete only once the bank confirms the final loan amount. Both figures (property stamp duty at 0.8% and mortgage stamp duty at 0.6%) are then fixed and communicated to the buyer through the lawyer’s completion statement.
At escritura, your lawyer submits the calculated stamp duty to the notary for transmission to the Autoridade Tributária e Aduaneira. Funds must reach the lawyer’s client account at least 3 business days before the completion date. Late fund transfers are the single most common cause of escritura postponements in Portuguese property transactions.
After completion, stamp duty does not recur. Annual ownership costs come from IMI property tax, with higher-value properties also triggering AIMI. For a complete view of the ongoing cost structure, cross-reference with total hidden costs of buying and the full cost of buying property guide.
Portuguese Estate Field Note on Stamp Duty Strategy
Across transactions at the €400k-700k range, the pattern we observe most consistently is buyers spending significant effort reducing the declared purchase price by €5,000-10,000, thereby saving €40-80 in stamp duty, while missing the larger variable: whether the escritura falls before or after the residency confirmation that determines their IMT rate. Stamp duty is predictable and fixed: budget it precisely from your first offer, then focus advisory energy on IMT timing and residency status, where the real variance of €10,000-25,000 sits. For buyers anticipating Portuguese residency, coordinate residency confirmation with the escritura date to unlock IMT refund eligibility; the refund potential typically reaches 10-20 times the total stamp duty bill on a mid-market purchase.
Frequently Asked Questions
Stamp duty (Imposto de Selo) is 0.8% on the property purchase price. This applies to all buyers regardless of residency status and is paid at completion alongside other transfer taxes.
Yes, mortgage stamp duty is 0.6% on the loan amount. For a €350,000 mortgage, you would pay €2,100 in mortgage stamp duty at the time of signing the mortgage deed.
Stamp duty is paid at the escritura (completion) through your lawyer or notary. The payment is made directly to the tax authorities alongside other completion costs.
The buyer pays stamp duty on both the property purchase (0.8%) and mortgage (0.6% if applicable). This is separate from transfer taxes and cannot be negotiated with the seller.
No, stamp duty rates are identical for residents and non-residents at 0.8% on purchase and 0.6% on mortgage. However, non-residents face additional IMT surcharges on the main transfer tax.
Stamp duty cannot be avoided as it's a mandatory tax on property transactions. However, it's calculated on the declared purchase price, not property valuation, unlike IMT tax.
Stamp duty is collected automatically at completion. Your lawyer or notary cannot complete the transaction without paying all required taxes, including stamp duty, to the authorities.
Yes, stamp duty at 0.8% applies to all property purchases in Portugal, including new builds, resale properties, land purchases, and commercial real estate transactions.
Brazilian buyers pay the same 0.8% stamp duty on the property purchase price and 0.6% on any mortgage, identical to all other nationalities. The Brazil-Portugal double taxation treaty does not affect stamp duty, which is a transaction tax under Portuguese domestic law. Brazilian buyers completing as non-residents face additional IMT surcharges, but stamp duty itself remains universal and non-refundable regardless of subsequent residency changes.
Stamp duty is calculable from the moment a purchase price is agreed, but payment occurs only at the escritura (completion ceremony). The declared price in the CPCV promissory contract locks the 0.8% calculation. Your lawyer collects funds covering stamp duty 3-5 business days before completion to ensure timely payment to the Autoridade Tributária e Aduaneira. Missing this window is the leading cause of escritura postponements.
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