{"id":41685,"date":"2026-08-14T08:52:50","date_gmt":"2026-08-14T08:52:50","guid":{"rendered":"https:\/\/quintaproperty.com\/faqs-preview\/"},"modified":"2026-08-17T11:33:03","modified_gmt":"2026-08-17T11:33:03","slug":"faqs","status":"publish","type":"page","link":"https:\/\/quintaproperty.com\/fr\/faq\/","title":{"rendered":"Questions fr\u00e9quemment pos\u00e9es"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"41685\" class=\"elementor elementor-41685\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0797348 container-custom-width bg-overlay e-flex e-con-boxed e-con e-parent\" data-id=\"0797348\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d80dbbb elementor-widget elementor-widget-heading\" data-id=\"d80dbbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d06ba6c wm-taxes-intro elementor-widget elementor-widget-heading\" data-id=\"d06ba6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Buying, selling and owning property in the Algarve<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7ca294 container-custom-width e-flex e-con-boxed e-con e-parent\" data-id=\"e7ca294\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-508b1e6 elementor-widget elementor-widget-html\" data-id=\"508b1e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"qp-faq\">\n<style>.qp-faq{max-width:860px;margin:0 auto;font-variant-numeric:lining-nums tabular-nums;\n  font-feature-settings:'lnum' 1,'tnum' 1}\n.qp-faq p.qp-faq__lead{font-family:'Lato',sans-serif!important;font-size:18px!important;\n  font-weight:300!important;line-height:1.6!important;color:#18242D!important;\n  text-transform:none!important;letter-spacing:normal!important;margin:0 0 40px}\n.qp-faq p.qp-faq__reviewed{font-family:'Lato',sans-serif!important;font-size:14px!important;font-weight:300!important;line-height:1.6!important;color:#6b7684!important;margin:-18px 0 34px!important;text-transform:none!important}\n.qp-faq h2.qp-faq__cat{font-family:'Montserrat',sans-serif!important;font-size:20px!important;\n  font-weight:300!important;line-height:1.5!important;color:#041c44!important;\n  text-transform:uppercase!important;letter-spacing:1.6px!important;\n  margin:48px 0 12px;padding-bottom:10px;border-bottom:1px solid #d8dee6}\n.qp-faq h2.qp-faq__cat:first-of-type{margin-top:0}\n.qp-faq details.qp-faq__item{border-bottom:1px solid #e6eaf0}\n.qp-faq details.qp-faq__item summary.qp-faq__q{font-family:'Lato',sans-serif!important;\n  font-size:18px!important;font-weight:400!important;line-height:1.5!important;\n  color:#041c44!important;text-transform:none!important;letter-spacing:normal!important;\n  cursor:pointer;list-style:none;padding:18px 44px 18px 0;position:relative}\n.qp-faq details.qp-faq__item summary.qp-faq__q::-webkit-details-marker{display:none}\n.qp-faq details.qp-faq__item summary.qp-faq__q::after{content:'';position:absolute;\n  right:8px;top:50%;width:9px;height:9px;margin-top:-6px;\n  border-right:1.5px solid #041c44;border-bottom:1.5px solid #041c44;\n  transform:rotate(45deg);transition:transform .2s ease}\n.qp-faq details[open].qp-faq__item summary.qp-faq__q::after{transform:rotate(-135deg);margin-top:-2px}\n.qp-faq details.qp-faq__item summary.qp-faq__q:hover{color:#1b4b8f!important}\n.qp-faq details.qp-faq__item p.qp-faq__a{font-family:'Lato',sans-serif!important;\n  font-size:17px!important;font-weight:300!important;line-height:1.7!important;\n  color:#18242D!important;text-transform:none!important;letter-spacing:normal!important;\n  margin:0 0 22px;padding-right:44px}\n.qp-faq p.qp-faq__foot{font-family:'Lato',sans-serif!important;font-size:17px!important;\n  font-weight:300!important;line-height:1.6!important;color:#18242D!important;\n  text-transform:none!important;letter-spacing:normal!important;margin:44px 0 0;\n  padding-top:28px;border-top:1px solid #d8dee6}\n.qp-faq a.qp-faq__link{font-family:'Lato',sans-serif!important;font-size:inherit!important;\n  font-weight:400!important;color:#1b4b8f!important;text-transform:none!important;\n  letter-spacing:normal!important;text-decoration:underline}\n@media (max-width:767px){\n  .qp-faq details.qp-faq__item summary.qp-faq__q{font-size:17px!important;padding-right:36px}\n  .qp-faq details.qp-faq__item p.qp-faq__a{font-size:16px!important;padding-right:0}\n}<\/style>\n<p class=\"qp-faq__lead\">Buying or selling in the Algarve raises the same questions again and again. Below are the answers our team gives most often, on process, costs, taxes and the areas we cover. If your question is not here, we are happy to answer it directly.<\/p>\n<p class=\"qp-faq__reviewed\">Answers reviewed by the QP Savills sales team, August 2026. Tax and residency rules change; take current professional advice before relying on any figure.<\/p>\n<h2 class=\"qp-faq__cat\" id=\"faq-buying-process\">Buying process<\/h2>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">How do you buy a property in the Algarve as a foreign buyer?<\/summary><p class=\"qp-faq__a\">Foreign buyers follow the same process as residents. You obtain a Portuguese fiscal number (NIF), agree an offer, sign a CPCV promissory contract with a deposit, and complete at a notary. There are no restrictions on foreign ownership in Portugal, and QP Savills guides international buyers through every step.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">How long does it take to buy a property in the Algarve?<\/summary><p class=\"qp-faq__a\">A typical purchase completes within two to six weeks from an accepted offer, depending on financing and due diligence. The CPCV promissory contract is usually signed early in that window, with the final deed at the notary shortly after.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">What is a CPCV and how much deposit is required?<\/summary><p class=\"qp-faq__a\">The CPCV (Contrato de Promessa de Compra e Venda) is the first legally binding contract of sale and purchase, also referred to as a promissory contract. A deposit of around ten percent of the purchase price is paid at this stage, and the balance is settled at completion.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">Do I need a Portuguese fiscal number (NIF) to buy property?<\/summary><p class=\"qp-faq__a\">Yes. A Portuguese fiscal number (NIF) is required to purchase property and to open a local bank account. Non residents can obtain one through a fiscal representative, which QP can help arrange.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">Can non residents and non EU buyers purchase property in Portugal?<\/summary><p class=\"qp-faq__a\">Yes. Portugal places no restrictions on foreign property ownership, and non EU buyers can purchase freely. British and Irish buyers make up the largest share of QP\u2019s international clients.<\/p><\/details>\n<h2 class=\"qp-faq__cat\" id=\"faq-costs-and-taxes\">Costs and taxes<\/h2>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">What are the costs of buying a property in the Algarve?<\/summary><p class=\"qp-faq__a\">As a rule of thumb we advise budgeting around ten percent of the purchase price for buying costs. The main items are IMT (property transfer tax), stamp duty of 0.8 percent, and notary and land registry fees, plus optional legal fees of roughly one to two percent. Estate agent commission is paid by the seller, not the buyer.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">How much is IMT, the Portuguese property transfer tax?<\/summary><p class=\"qp-faq__a\">IMT is a progressive tax that rises with the property value and reaches around seven and a half percent for higher value homes. The exact amount depends on the price and property type, so we recommend a precise calculation before you commit.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">What are estate agent fees when selling property in the Algarve?<\/summary><p class=\"qp-faq__a\">Estate agent commission in the Algarve is typically four to five percent plus VAT, and it is paid by the seller. In return you receive full marketing, international reach and end to end handling of the sale.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">What are the annual running costs of a villa in Quinta do Lago or Vale do Lobo?<\/summary><p class=\"qp-faq__a\">According to the QP Savills 2026 Property Book, a four bedroom villa in Quinta do Lago or Vale do Lobo runs at roughly 53,598 euros per year, compared with about 29,980 euros per year in Central Algarve. Costs cover items such as IMI, utilities, pool and garden maintenance, insurance and management.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">What is IMI, the annual property tax in Portugal?<\/summary><p class=\"qp-faq__a\">IMI (Imposto Municipal sobre Imoveis) is an annual municipal property tax based on the rateable value of the home. The rate is set by each municipality and forms part of the yearly running costs.<\/p><\/details>\n<h2 class=\"qp-faq__cat\" id=\"faq-areas\">Areas<\/h2>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">Where are the best areas to buy luxury property in the Algarve?<\/summary><p class=\"qp-faq__a\">The most sought after luxury areas are Quinta do Lago and Vale do Lobo within the Golden Triangle, the town of Loule, and locations across Central Algarve. Each offers a different balance of resort living, golf, beaches and value.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">What is Quinta do Lago known for?<\/summary><p class=\"qp-faq__a\">Quinta do Lago is a prestigious resort in the Algarve\u2019s Golden Triangle, known for championship golf, the Ria Formosa nature park, fine dining and high end villas. It is one of the most exclusive addresses in Portugal.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">What is Vale do Lobo known for?<\/summary><p class=\"qp-faq__a\">Vale do Lobo is a beachfront resort in the Golden Triangle, known for its two golf courses, its Praca leisure hub and direct access to sandy beaches. It is a favourite with families and international second home owners.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">Is the Algarve a good place to invest in property in 2026?<\/summary><p class=\"qp-faq__a\">The Algarve remains a resilient prime market, supported by strong international demand, limited prime supply and a lifestyle that draws buyers year round. The QP Savills 2026 Property Book sets out the latest prime price comparison and market outlook by area.<\/p><\/details>\n<h2 class=\"qp-faq__cat\" id=\"faq-relocation-and-tax\">Relocation and tax<\/h2>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">Do I get residency or a Golden Visa if I buy property in Portugal?<\/summary><p class=\"qp-faq__a\">No. Since October 2023 a property purchase no longer qualifies for the Portuguese Golden Visa, as the real estate route was removed. The programme itself continues through other routes, such as qualifying funds, job creation and cultural donations, so we recommend specialist legal advice for your situation.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">Is the NHR tax regime still available in Portugal?<\/summary><p class=\"qp-faq__a\">No. The original Non Habitual Resident (NHR) regime closed to new applicants from 2024; only those who had already started the process could still register during a transitional period that ended in March 2025. It was replaced by IFICI, sometimes called NHR 2.0, a narrower scheme aimed at qualifying professionals in research, technology and other strategic sectors rather than at pensions or passive income. Because the rules have changed, please take current professional tax advice before relying on any regime.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">What should I plan for when relocating to the Algarve?<\/summary><p class=\"qp-faq__a\">Plan for a fiscal number and local bank account, healthcare and schooling if you have a family, and the annual running costs of your home. QP works alongside trusted local partners in law, tax and relocation to make the move smooth.<\/p><\/details>\n<h2 class=\"qp-faq__cat\" id=\"faq-selling\">Selling<\/h2>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">How do I sell my property in the Algarve?<\/summary><p class=\"qp-faq__a\">Selling starts with an accurate valuation, followed by professional marketing to a qualified international audience and full handling of the sale through to completion. QP Savills combines local expertise with the global reach of the Savills network.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">How is my Algarve property valued?<\/summary><p class=\"qp-faq__a\">A valuation considers location, size, condition, views and current prime market evidence for your area. You can request a free, no obligation valuation from QP Savills to understand what your property could achieve today.<\/p><\/details>\n<h2 class=\"qp-faq__cat\" id=\"faq-about-qp\">About QP<\/h2>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">Who are QP Savills, Quinta Properties?<\/summary><p class=\"qp-faq__a\">QP Quinta Properties is a leading luxury estate agency in the Algarve and the Savills partner for the region, covering Quinta do Lago, Vale do Lobo and Central Algarve. QP operates under licence 1252 AMI (APEMIP 3785) and pairs local market knowledge with Savills\u2019 international network.<\/p><\/details>\n<details class=\"qp-faq__item\"><summary class=\"qp-faq__q\">Which areas of the Algarve does QP cover?<\/summary><p class=\"qp-faq__a\">QP focuses on the prime Algarve, with particular strength in Quinta do Lago, Vale do Lobo and Central Algarve. The team advises buyers and sellers of luxury villas, apartments and plots across these locations.<\/p><\/details>\n<p class=\"qp-faq__foot\">Still have a question? <a class=\"qp-faq__link\" href=\"https:\/\/quintaproperty.com\/contact\/\">Get in touch with the team<\/a> or <a class=\"qp-faq__link\" href=\"https:\/\/quintaproperty.com\/valuations\/\">request a free valuation<\/a>.<\/p>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions: Buying and Owning Property in the Algarve\",\"url\":\"https:\/\/quintaproperty.com\/faqs\/\",\"inLanguage\":\"en\",\"dateModified\":\"2026-08-17\",\"about\":{\"@type\":\"Thing\",\"name\":\"Buying, owning and selling property in the Algarve, Portugal\"},\"publisher\":{\"@type\":\"RealEstateAgent\",\"name\":\"QP Savills\",\"url\":\"https:\/\/quintaproperty.com\/\",\"areaServed\":[\"Quinta do Lago\",\"Vale do Lobo\",\"Vilamoura\",\"Loule\",\"Central Algarve\"]},\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How do you buy a property in the Algarve as a foreign buyer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Foreign buyers follow the same process as residents. 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The exact amount depends on the price and property type, so we recommend a precise calculation before you commit.\"}},{\"@type\":\"Question\",\"name\":\"What are estate agent fees when selling property in the Algarve?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Estate agent commission in the Algarve is typically four to five percent plus VAT, and it is paid by the seller. In return you receive full marketing, international reach and end to end handling of the sale.\"}},{\"@type\":\"Question\",\"name\":\"What are the annual running costs of a villa in Quinta do Lago or Vale do Lobo?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"According to the QP Savills 2026 Property Book, a four bedroom villa in Quinta do Lago or Vale do Lobo runs at roughly 53,598 euros per year, compared with about 29,980 euros per year in Central Algarve. Costs cover items such as IMI, utilities, pool and garden maintenance, insurance and management.\"}},{\"@type\":\"Question\",\"name\":\"What is IMI, the annual property tax in Portugal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IMI (Imposto Municipal sobre Imoveis) is an annual municipal property tax based on the rateable value of the home. The rate is set by each municipality and forms part of the yearly running costs.\"}},{\"@type\":\"Question\",\"name\":\"Where are the best areas to buy luxury property in the Algarve?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The most sought after luxury areas are Quinta do Lago and Vale do Lobo within the Golden Triangle, the town of Loule, and locations across Central Algarve. Each offers a different balance of resort living, golf, beaches and value.\"}},{\"@type\":\"Question\",\"name\":\"What is Quinta do Lago known for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Quinta do Lago is a prestigious resort in the Algarve\u2019s Golden Triangle, known for championship golf, the Ria Formosa nature park, fine dining and high end villas. It is one of the most exclusive addresses in Portugal.\"}},{\"@type\":\"Question\",\"name\":\"What is Vale do Lobo known for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vale do Lobo is a beachfront resort in the Golden Triangle, known for its two golf courses, its Praca leisure hub and direct access to sandy beaches. It is a favourite with families and international second home owners.\"}},{\"@type\":\"Question\",\"name\":\"Is the Algarve a good place to invest in property in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Algarve remains a resilient prime market, supported by strong international demand, limited prime supply and a lifestyle that draws buyers year round. The QP Savills 2026 Property Book sets out the latest prime price comparison and market outlook by area.\"}},{\"@type\":\"Question\",\"name\":\"Do I get residency or a Golden Visa if I buy property in Portugal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Since October 2023 a property purchase no longer qualifies for the Portuguese Golden Visa, as the real estate route was removed. The programme itself continues through other routes, such as qualifying funds, job creation and cultural donations, so we recommend specialist legal advice for your situation.\"}},{\"@type\":\"Question\",\"name\":\"Is the NHR tax regime still available in Portugal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The original Non Habitual Resident (NHR) regime closed to new applicants from 2024; only those who had already started the process could still register during a transitional period that ended in March 2025. It was replaced by IFICI, sometimes called NHR 2.0, a narrower scheme aimed at qualifying professionals in research, technology and other strategic sectors rather than at pensions or passive income. Because the rules have changed, please take current professional tax advice before relying on any regime.\"}},{\"@type\":\"Question\",\"name\":\"What should I plan for when relocating to the Algarve?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Plan for a fiscal number and local bank account, healthcare and schooling if you have a family, and the annual running costs of your home. QP works alongside trusted local partners in law, tax and relocation to make the move smooth.\"}},{\"@type\":\"Question\",\"name\":\"How do I sell my property in the Algarve?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Selling starts with an accurate valuation, followed by professional marketing to a qualified international audience and full handling of the sale through to completion. QP Savills combines local expertise with the global reach of the Savills network.\"}},{\"@type\":\"Question\",\"name\":\"How is my Algarve property valued?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A valuation considers location, size, condition, views and current prime market evidence for your area. You can request a free, no obligation valuation from QP Savills to understand what your property could achieve today.\"}},{\"@type\":\"Question\",\"name\":\"Who are QP Savills, Quinta Properties?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"QP Quinta Properties is a leading luxury estate agency in the Algarve and the Savills partner for the region, covering Quinta do Lago, Vale do Lobo and Central Algarve. 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