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Blog ATrindade Team

Por Equipa ATrindade 28 de novembro de 2022
You have bought a property... Congratulations! Now you will have to deal with some matters urgently, especially if you bought the property as your own permanent residence. 1. Changing the fiscal address on the citizen card Deadline: You only have 15 days to do it after the purchase for permanent residence . You can change the address on the citizen card online on Portal do Cidadão (Citizen's Portal) or by going to a citizen card office. You need the authentication PIN of the Citizen's Card and the address PIN assigned when the CC was issued. The request can be made online if you have a card reader. The change of address in person has a cost of 3€. By changing the address in the CC, automatically it is also changed in the driving license. 2. Request for exemption of the Municipal Property Tax - IMI Deadline: You have 60 days, after the acquisition title, to make the request. The request can only be made after changing the address in the Finance Portal. The request should be made in the Finance Department of the area where the building for which the exemption is requested is located or in the Electronic Finance Portal. See here for more information: https://imoveis.portaldasfinancas.gov.pt/isencoesimi/web/pedido-isencao 3. Registar a mudança no documento único automóvel - DUA Prazo: Tem até 60 dias após a alteração da morada no CC Esta alteração poderá ser solicitada num balcão de uma conservatória com o preenchimento do modelo único para registo automóvel e tem um custo de 35€. Em alternativa pode efetuar o pedido no portal Automóvel Online - www.automovelonline.mj.pt , if you have a card reader, and it costs 29.80€. 4. Water Supply To conclude a water supply contract for the new house, you can do it in person at the municipal water and sanitation services, or through the email indicated by the municipality in the area of residence. The documents required are usually - Form (each municipality's own form); - Citizen Card or Identity Card and Taxpayer Card; - Title of acquisition; - Updated Caderneta Predial Urbana (urban land registry) - Proof of IBAN (in case of payment by direct debit) Some councils already have an online procedure. If the property already has a meter installed, it is compulsory to provide the current meter reading. It makes the process easier if you have an old meter invoice with you. 5. Electricity and Gas Supply When you move into a new home, you will need to choose an energy supply company for your residence. It is best to search among the companies on the free market and make a comparison of the tariffs and services that best suit your needs. You will not need to change the energy meter that you have installed. Terminating the contract with the old operator is the responsibility of the new supplier. The time it may take to connect electricity and/or natural gas at your new address is around 15 days, so you should request the connection sufficiently in advance. The documents requested are usually: - Taxpayer number; - Delivery point code (included in the invoices); - Bank identification number (in case of direct debit payment) - Proof of the new address (e.g. copy of the title deed). 6. Transferring a telecommunications package (Tv-Net-Voice) As a rule, telecommunication services are associated with an address, so the request for change of residence will imply the conclusion of a new contract and therefore a new period of loyalty. This new loyalty period may not be very rewarding, so the best thing to do is first check how long it is until the end of the loyalty period of the current package and who knows, maybe even change operator. Some operators allow you to change your address. You should try to negotiate this situation before the deed. 7. Updating car insurance information Let your insurer know you are changing your address. This may cost you money, for example, if your new address is in an area considered a higher risk for the insurer. The opposite can also happen in the case of moving to an area considered less risky to the insurer. Take advantage of this time to renegotiate the insurances. 8. Notifying the bank You should notify your bank or any financial institutions with which you have a relationship by going to them with proof of address. 9. Access to public healthcare in your area of residence If you want to go to the Health Unit in your new area of residence, you should go there to register. You will need to take with you your Citizen Card (which will have your health user number) and a proof of address. Along with the copy of the deed, you can go to the Parish Council and request a declaration of address. 10. Requesting re-dispatch of postal mail In order for your mail to be redirected to your new address, you should make a redispatch request at CTT. For this, you must fill in a form available on CTT's website - www.ctt.pt - and deliver it at least three days before the move. 11. Verifying if the property is already registered at the Finance Department When you do the deed, the property is automatically updated in the Conservatory for Real Estate Registry . However, the updating of the property in the finances is not immediate. In the finance site, +/- 30 days after the deed, try to obtain the Property Book to confirm if the property is already in your name. Follow the link to know how to obtain the Property Book . If the property is not in your name yet, you should go to the finance office (take a copy of the deed) and ask them to make the change. 12. Notifying the Condominium of the change of ownership If you bought a property that has a condominium, you should inform the building authority that the property has changed ownership. The new owners should inform the building authority of the tax number, address, telephone number and email address and update this information when it changes. 13. Notifying the employer of a change of address Tip: In the last months before you do the deed, keep all the letters you received from those you want to inform that you are going to change your address. This will allow you to avoid many embarrassments. If it's easier for you, you can watch a video here where we talk about what to do after the deed .
Por Equipa ATrindade 28 de novembro de 2022
You have bought a property... Congratulations! Now you will have to deal with some matters urgently, especially if you bought the property as your own permanent residence. 1. Changing the fiscal address on the citizen card Deadline: You only have 15 days to do it after the purchase for permanent residence . You can change the address on the citizen card online on Portal do Cidadão (Citizen's Portal) or by going to a citizen card office. You need the authentication PIN of the Citizen's Card and the address PIN assigned when the CC was issued. The request can be made online if you have a card reader. The change of address in person has a cost of 3€. By changing the address in the CC, automatically it is also changed in the driving license. 2. Request for exemption of the Municipal Property Tax - IMI Deadline: You have 60 days, after the acquisition title, to make the request. The request can only be made after changing the address in the Finance Portal. The request should be made in the Finance Department of the area where the building for which the exemption is requested is located or in the Electronic Finance Portal. See here for more information: https://imoveis.portaldasfinancas.gov.pt/isencoesimi/web/pedido-isencao 3. Registar a mudança no documento único automóvel - DUA Prazo: Tem até 60 dias após a alteração da morada no CC Esta alteração poderá ser solicitada num balcão de uma conservatória com o preenchimento do modelo único para registo automóvel e tem um custo de 35€. Em alternativa pode efetuar o pedido no portal Automóvel Online - www.automovelonline.mj.pt , if you have a card reader, and it costs 29.80€. 4. Water Supply To conclude a water supply contract for the new house, you can do it in person at the municipal water and sanitation services, or through the email indicated by the municipality in the area of residence. The documents required are usually - Form (each municipality's own form); - Citizen Card or Identity Card and Taxpayer Card; - Title of acquisition; - Updated Caderneta Predial Urbana (urban land registry) - Proof of IBAN (in case of payment by direct debit) Some councils already have an online procedure. If the property already has a meter installed, it is compulsory to provide the current meter reading. It makes the process easier if you have an old meter invoice with you. 5. Electricity and Gas Supply When you move into a new home, you will need to choose an energy supply company for your residence. It is best to search among the companies on the free market and make a comparison of the tariffs and services that best suit your needs. You will not need to change the energy meter that you have installed. Terminating the contract with the old operator is the responsibility of the new supplier. The time it may take to connect electricity and/or natural gas at your new address is around 15 days, so you should request the connection sufficiently in advance. The documents requested are usually: - Taxpayer number; - Delivery point code (included in the invoices); - Bank identification number (in case of direct debit payment) - Proof of the new address (e.g. copy of the title deed). 6. Transferring a telecommunications package (Tv-Net-Voice) As a rule, telecommunication services are associated with an address, so the request for change of residence will imply the conclusion of a new contract and therefore a new period of loyalty. This new loyalty period may not be very rewarding, so the best thing to do is first check how long it is until the end of the loyalty period of the current package and who knows, maybe even change operator. Some operators allow you to change your address. You should try to negotiate this situation before the deed. 7. Updating car insurance information Let your insurer know you are changing your address. This may cost you money, for example, if your new address is in an area considered a higher risk for the insurer. The opposite can also happen in the case of moving to an area considered less risky to the insurer. Take advantage of this time to renegotiate the insurances. 8. Notifying the bank You should notify your bank or any financial institutions with which you have a relationship by going to them with proof of address. 9. Access to public healthcare in your area of residence If you want to go to the Health Unit in your new area of residence, you should go there to register. You will need to take with you your Citizen Card (which will have your health user number) and a proof of address. Along with the copy of the deed, you can go to the Parish Council and request a declaration of address. 10. Requesting re-dispatch of postal mail In order for your mail to be redirected to your new address, you should make a redispatch request at CTT. For this, you must fill in a form available on CTT's website - www.ctt.pt - and deliver it at least three days before the move. 11. Verifying if the property is already registered at the Finance Department When you do the deed, the property is automatically updated in the Conservatory for Real Estate Registry . However, the updating of the property in the finances is not immediate. In the finance site, +/- 30 days after the deed, try to obtain the Property Book to confirm if the property is already in your name. Follow the link to know how to obtain the Property Book . If the property is not in your name yet, you should go to the finance office (take a copy of the deed) and ask them to make the change. 12. Notifying the Condominium of the change of ownership If you bought a property that has a condominium, you should inform the building authority that the property has changed ownership. The new owners should inform the building authority of the tax number, address, telephone number and email address and update this information when it changes. 13. Notifying the employer of a change of address Tip: In the last months before you do the deed, keep all the letters you received from those you want to inform that you are going to change your address. This will allow you to avoid many embarrassments. If it's easier for you, you can watch a video here where we talk about what to do after the deed .
Por Equipa ATrindade 22 de novembro de 2022
Buying a property implies a series of costs that you should be aware of before you start looking for a house. By defining these costs, you will be more aware of the value of the property you can buy.
I want to buy a house in Portugal, now what?
Por Equipa ATrindade 22 de novembro de 2022
I want to buy a house in Portugal, now what?
What is the Promissory Contract of Sale and Purchase - CPCV?
Por Equipa ATrindade 18 de novembro de 2022
This document, although not mandatory, is important because it will guarantee the rights and duties of those involved in the business. This document is identified as the Promissory Contract of Sale and Purchase. For short, we will identify this document as "CPCV". WHAT IS THE PROMISSORY CONTRACT OF SALE AND PURCHASE - CPCV? It is a document that establishes the business conditions of the purchase and sale of an agreed property. Signed by the parties involved in the business representing the promissory seller and buyer. The partners can be substituted by a representative with a valid power of attorney for the act. WHAT SHOULD THE CPCV CONTAIN? Identification of the intervening parties, vendor and purchaser, which must contain the full name, place of birth, address, marital status, identification card number and fiscal number; Identification of the property, with reference to the Land Registry, Permanent Land Registry Certificate, Utilization License, Energy Certificate; Characteristics of the property, such as address, typology, if it has or not other parties integral to the fraction, such as swimming pool, garage or storage room; Mention that the property will be sold free of any liens and encumbrances; Mention that the dwelling is in habitable condition, with all that this implies, namely: the internal networks and water, electricity, sewage and gas installations and that they are in working order Mention that the buyer knows the state of the property; Deadline for the execution of the definitive purchase and sale contract (public deed); Consequences for the non fulfilment of the term or assumptions of the contract; Value of the sale; Value and form of payment of the down payment (this value is usually between 10 and 20% of the total value, any other value may be agreed between the parts); Mention of the company that did the real estate mediation (if this is the case). IN WHAT SITUATIONS SHOULD A CPCV BE SIGNED? Whenever the conditions for the definitive purchase and sale contract (public deed) are not yet fulfilled, such as: The original use license is missing; The Energy Certificate is still being issued; The Land Registry and the Permanent Land Certificate are not harmonized; The property is still under construction; The Owner cannot deliver the property immediately; The buyer is going to resort to bank financing that needs approval (in this case the CPCV must contain a resolutive clause). WHAT ARE THE CONSEQUENCES IN THE EVENT OF NON-COMPLIANCE: For the buyer - loses the right to all the values already paid as a down payment; By the seller - has to return to the buyer the double of the value of the deposit paid; In any of the situations, the party that did not comply, can appeal to the court to request the specific execution of the contract, with the objective of, in a court sentence, achieving the coercive fulfilment of the CPCV. TIPS FROM THE ATrindade Team: The owner should submit the last minutes of the condominium meetings. In these documents it is possible to verify if there are works to be done or planned, as well as other situations that have occurred in the condominium; In the CPCV make reference to the number of the cheque used for the payment of the deposit. Or in alternative identify the IBAN of the bank accounts where the deposit will come from and where it will go to; If you have already decided on the purchase or sale of the property, don't delay signing the CPCV. Don't forget to see the necessary documents for the sale of the property
Purpose Of The ATrindade Team
Por António Trindade 3 de novembro de 2022
"To provide the Customer with the necessary information for to make a more conscious decision"
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