Source: Freepik Author: Redaction According to Mário Centeno, Governor of the Bank of Portugal (BdP), the housing crisis requires a balanced approach, where it is crucial to increase housing construction without creating an oversupply. Centeno acknowledges that the construction sector has been at a virtual standstill for the last decade, emphasizing the devastating effects of housing crises on the economy, which need time to be resolved. During a lecture to economics students at Vila Real de Santo António Secondary School, Centeno stressed the importance of preparation in order to take advantage of opportunities, warning of the prolonged impacts of housing crises . He pointed to the consequences of the 2008/2009 financial crisis and sovereign debts in Europe, which significantly damaged the construction sector in Portugal. Centeno noted that stagnant supply combined with growing demand has boosted property prices in Portugal since 2014, especially due to demand from foreigners. However, he pointed out that the increase in housing supply is a slow process, contributing to the maintenance of high prices. The former finance minister also emphasized that Portugal has not experienced significant population growth to justify the increase in demand for housing, unlike countries such as China and Japan, which are facing an opposite crisis with a surplus of housing, leaving a warning of the risks of a housing crisis and its ability to cause substantial economic damage, as seen in other European countries in the past. To avoid a housing crisis, the BdP governor advocates a gradual increase in the supply of housing , but with caution to avoid an excess that could trigger a supply crisis in the future. Follow these and other topics in SUPERCASA News
Source: Freepik Author: Redaction Matosinhos is about to take a significant step forward in promoting affordable housing with the launch of an innovative program. The City Council plans to introduce the Cooperative Housing Support Program, with the aim of making housing cooperatives a viable alternative to the traditional real estate market. This program targets families with difficulties finding housing and young people looking for their first home , offering them an affordable cooperative solution. The plan is to build 100 housing units in the first phase , with the possibility of participating individually or in groups. The municipality of Matosinhos undertakes to transfer the surface right of a piece of municipal land free of charge for 90 years, renewable for the same period. After the end of the contract or the cooperatives liquidation, the land and building will revert to the municipality free of charge. As well as support for the granting of land, the city council proposes to offer a maximum subsidy of 75,000 euros for the architectural project, exemption from urban planning fees and tax benefits. In turn, the cooperatives will be responsible for the legal and administrative formalities, as well as the corresponding financial costs. This program is seen as an important step towards guaranteeing access to housing in Portugal, providing vital support in the development of a fairer and more cohesive society. With the implementation of this program, Matosinhos is building a more inclusive and sustainable approach to housing in the region. About housing, read also: Portugal 50 years after the revolution: what has changed in housing? and Municipalities record slowdown in house price rises
Source: Freepik Author: Redaction The delivery of the IRS declaration opened in early April, followed by the delivery of the refund, for those who have already made the submission on the Finance Portal. For many taxpayers, this is a somewhat confusing bureaucracy, which they do not understand very well, often having to resort to a professional to help them. However, it doesn’t have to be a big deal, and for those who like to stick to everything, there are essential steps that will help you meet your tax obligations. To make the task easier, we leave you a Checklist that you can consult throughout the process, ensuring that everything is in accordance with the right timings and deadlines, and thus making sure that you leave nothing behind. 1. Pay attention to deadlines This is the first rule , especially for the most distracted. By having a sense of the deadlines, and in which months the respective procedures of filing the IRS statement take place, you will have greater control over yourself and will not let a date pass, because you will remember that, in that month or that week, you have an obligation to fulfill . So, regardless of your income category, know that the IRS declaration has to be delivered by the end of June, so confirm that your password to access the Portal das Finanças is valid and do not wait until the last. 2. Declaration of substitution This is a statement that you can submit if there is any value that needs to be reviewed, and you can submit it provided that within the deadlines for the delivery limit. 3. Note for settlement This settlement note will be delivered to you by the Tax Authority (AT) after the income statement, together with the respective refund, if you are entitled to it. 4. Payment of the tax If you have to pay tax, you should do so by the end of August, and note that if you exceed this deadline, you will pay a fine (which increases over the time of non-compliance). It is important that you know that if you are unable to make the full payment, you can ask AT for a payment by installments, until 15 after that date . IRS Jovem Young people aged between 18 and 26 who are not part of the parent household can benefit from the Young IRS, obtaining exemptions until the fifth year of activity, subject to the stipulated limits. Thus, they access 100% exemption in the first year, up to 40 X IAS; 75% exemption in the second, up to 30 X IAS, and 50% in the third and fourth years, up to 20 X IAS. In the fifth year, benefit from 25%, up to 10% X IAS. IRS Automatic The automatic IRS can be used by employees, with or without dependents and who prove not to have maintenance or tax benefits, but also by pensioners and some independent , as stipulated in Article 151 of the IRS Code, provided that they have a simplified regime and a single professional activity (from which service providers are excluded). In this modality, all fields of the IRS declaration will appear pre-filled, having only to accept them. Thus, if you do not have the automatic IRS active, if you need to review some information or correct it, you should do it manually. IRS alone or separate? If you live in a partnership or are married, you can submit your IRS statement together with your spouse, however, it is advisable to make simulations before filing the declaration to be sure which is the most advantageous option for you and your partner . Attachments: what does each one represent? ANNEX A: dependent income and pensions (category H); ANNEX B: includes income as self-employed or from isolated acts ANNEX C: reserved for organised accounts ANNEX D: corporate income or undivided inheritance ANNEX E: property or capital income ANNEX F: income from real estate leases or shareholdings ANNEX G: includes capital gains from the sale of real estate or shares ANNEX H: concerns deductible values in the IRS calculation ANNEX J: income obtained outside the country ANNEX L: non-habitual residents ANNEX SS: includes discounts for Social Security green receipts Before proceeding to the delivery of your IRS statement confirm that everything is correct, validate each amount, review all the information and make sure you have your valid IBAN, ensuring that everything runs accordingly and can get all the returns you may be entitled to. SUPERCASA Notícias helps you: Have a land? Know the rules for its cleaning , Will change operator? 4 Advice To Follow or Credit Intermediaries: How Do They Work?
Source: SUPERCASA Author: Redaction With services in several areas, Pereirapisco.Creativity is a family business with a diversity of services related not only to real estate, but also to other aspects, including architecture, engineering, construction, audiovisual, graphic design and advertising. Thus, to stand out in a highly competitive market, showing its valences and attributes, Pereirapisco.Creativity invested in the services of CRM eGO Real Estate , and Paulo Pisco, CEO and founder of Pereirapisco.Creativity explained to SUPERCASA Notícias how it is to benefit from this partnership. There is a great capacity for integration. Using the ego well saves a lot of time About Pereirapisco.Creativity , Paulo Pisco reinforces the differentiating approach that has always guided his vision and, upon hearing about the Real Estate ego, immediately believed in the potential of the partnership: Nowadays, you don’t buy a chair, you buy a service associated with the chair, and our perspective has always been that. And real estate can hardly be just real estate. Real estate is a system that goes from the empathy we have with people who are selling their homes [to those who buy]. It’s a whole process that sometimes surpasses people’s own consciousness, and that’s where the Real Estate ego management platform came in, to help streamline that contact and proximity. Pereirapisco.Creativity’s first contact with the eGO was in a workshop dedicated to real estate, where they could recognize the numerous advantages of membership. Did the workshop you attended have an impact on your decision to embrace the ego? The Workshop had a lot of impact because we had already heard about the ego and your portals - SUPERCASA and CASASAPO . What awakened us was to realize that, at that time, there was an integration that could make our activity more efficient. And there was also, on our part, the perception that is the fact that CRM is integrated with the site - the premium site that we joined . Nowadays, you don’t buy a chair, you buy a service associated with the chair, and our perspective has always been that What led you to invest in a premium ego Real Estate site? For the sake of sophistication and beauty, it was a site that seemed very interesting and, with all these features integrated , it was very important for the type of activity, and for our positioning in the market - and even for our personal and professional life, because we, as a family, cherish our time and therefore the more efficient we make the company and its operation, the easier it will be to do business without giving up something so important that is our well-being, our quality of life. We had changed our site less than a year ago but did not have this integration with the rest of the activity, nor the quality that your premium site has, and therefore, in recent times, We made a great effort to make the website and the ego tool operational as soon as possible. It was a big bet. How was the initial follow-up phase? This was a custom process. We had to adapt the whole ego and the whole site to our reality, and wanted to highlight the ability and satisfaction we felt . There is an openness and capacity for understanding and bringing objectives to fruition, and we are very satisfied. So the side of accompaniment and the side of looking at us as unique, helped a lot . That’s what made us also choose. There was this perspective that has later become a reality. (...) we made a great effort to make the site and the ego tool operational as soon as possible. It was a strong bet What, in your opinion, are the great advantages of the ego? There is a great capacity for integration . Using the tool well saves a lot of time, because there is usually a set of activities that we produce separately that, here, allows us to be fully integrated. And I would also like to highlight the issue of assistance to our difficulties, which is a quick one. About your site, what differentiates it? We have always bet on a site since the beginning of the creation of this company, so the site was always a strong bet. Nowadays this is very important, because it is our face, let’s say, is our showcase. It is more important than the physical store. But I highlight the beauty and functionality. It’s beautiful and functional. (...) I also highlight the issue of assistance to our difficulties, which is quick So, do you have positive feedback about the Real Estate ego? Very positive. Very positive because we were now at a stage where it is important to make a set of upgrades and, in that sense, these tools - which is not one, are several -, came at the right time for us to be able to do this upgrade. And as we realize that you are also always growing, I think we will grow together. See the video of the interview captured. .embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }
Source: Freepik Author: Redaction Finance Minister Miranda Sarmento acknowledges the possibility of updating the specific deduction in the 2025 State Budget , in response to a proposal from the PCP. During the debate in Parliament on the reduction of personal income tax in all tax brackets up to the eighth, the minister indicated that updating the specific deduction could be considered in conjunction with a reduction in personal income tax rates. This update, according to Sarmento, is an instrument that could be evaluated for the 2025 State Budget, also with a view to reducing personal income tax for workers. PCP MP Paula Santos had asked the government about the possibility of easing taxation , suggesting updating the specific deduction, which has not been revised since 2010, resulting in a loss of purchasing power for taxpayers over the years. The minister stressed that the governments goal is to ease taxation, and to this end, the program includes three billion euros aimed at reducing the IRS over the course of the legislature. In addition to the reduction in rates, measures such as the IRS Jovem and the exemption of productivity bonuses are planned for 2025. The minister also assured that the government intends to implement these measures as soon as possible. Suggested reading: Filing the IRS: take note of this information or The Portuguese economy grew more than the tax burden in 2023
Source: Freepik Author: Redaction According to data released by Eurostat this Thursday, April 25, the employment rate in the European Union (EU) reached 75% in 2023 , which represents a significant increase compared to the previous year. This means that 195.3 million people between the ages of 20 and 64 were employed during this period. In Portugal , the employment rate was even higher, reaching 78.2% in 2023. This increase marks the third consecutive year of growth in the employment rate , after a drop in 2020 to 72% due to the impacts of the covid-19 pandemic. Among the member states, the highest employment rates were recorded in the Netherlands (83.5%), Sweden (82.7%) and Estonia (82.1%), while the lowest were observed in Italy (66.3%), Greece (67.4%) and Romania (68.7%). Follow these and other topics in SUPERCASA News
Source: Freepik Author: Redaction The good temperatures invite you to take walks in the fresh air, and you can take advantage of the long weekend with the national holiday to get away with your partner or family and discover some of the most charismatic corners of our country. From north to south, there are many possibilities, but today we bring you the most emblematic gardens with history in the country , with an itinerary from north to south that will leave you impressed. North Well start in the north, where youll find a welcoming region with a very diverse and modern cultural past. We suggest the following: - Jardim Botânico do Porto: in this garden, one of the most iconic in the city of Porto, youll find four hectares of diverse vegetation and various types of green spaces; - Jardim do Passeio Alegre, in Porto: a magical garden that impresses with its excellent condition and magnetic beauty, where you can play a round of golf or spend a good afternoon in the café that used to be a garden chalet. Center In the center of the country youll find options that will delight the little ones and the big ones alike, with a huge cultural heritage that you can explore, as well as other places in the central region, but the suggestions not to be missed are the following: - Quinta da Regaleira, in Sintra: where youll find a romantic, magical and mysterious setting full of symbolism and enigmas; - Gardens of the National Palace of Queluz, in Lisbon: stroll through these lush gardens and let yourself be carried away by the geometric flowerbeds and ornamental fountains and imposing sculptures. South In the south, after a long journey, you can relax on the Algarves beaches, which are so popular in the hot season, and pay a visit to the unforgettable gardens with history that this itinerary has in store for you. - Jardim Botânico da Universidade do Algarve, in Faro: visit the wonderful collection of plants that this garden houses and explore the different corners overlooking the sea - Loulé Botanical Garden: this verdant oasis will transport you to a true evening of relaxation and harmony, where youll find unique landscapes and lots of native species. - Jardim Municipal de Faro: this great place will allow you to enjoy the city air, combining the useful with the pleasant. Our advice is to plan your itinerary in advance , defining exactly which gardens you want to visit, in order to organize and make the most of the time you have available, also according to your location. If youre staying in some kind of accommodation establishment, such as a hotel or local accommodation, remember to book in advance and research other possible local attractions. Want to discover other destinations for your next vacation? Check out our SUPERCASA News recommendations
Source: Freepik Author: Redaction According to the latest Financial Stability Report on the Insurance and Pension Funds Sector , released by the Insurance and Pension Funds Supervisory Authority (ASF), only 1 in 5 homes in Portugal are covered for seismic risk . As a result, only 19% to 20% of properties are protected by insurance that would allow them to recover from damage caused by an earthquake. The regions with the highest number of properties with this type of cover are the Algarve, Lisbon and the Tagus Valley and Porto , the first two of which are also the areas with the highest seismic risk at national level. The ASF report points to an uneven distribution of Seismic Phenomena (SF) coverage between the different councils, ranging from 3% (in councils such as Mafra, Cascais and Oeiras) to 36% (Barrancos, Penamacor and Almeida). This disparity highlights the need for a more equitable approach to the distribution of this type of coverage. The regulator also warns that this insufficient coverage could jeopardize the countrys ability to recover in the event of a seismic disaster: “ the probable loss of income for individuals combined with the need to reconcile the financing of the reconstruction of the property and the payment of mortgage credit could lead to high losses, with direct contagion to the financial sector” the report states. In other words, a catastrophe could lead to state intervention, given the lack of financing alternatives for the reconstruction of properties, a factor that could put pressure on the countrys “perception of credit risk”. In view of the worrying lack of seismic risk coverage, the ASF is promoting initiatives to create a national system of protection against seismic phenomena , including the proposal for a seismic fund. These measures aim to mitigate the negative consequences of a possible seismic catastrophe and reduce the pressure on the state to finance post-disaster recovery. This approach highlights the main points of the ASF report, from the lack of seismic risk coverage to the initiatives proposed to deal with this challenge. Follow these and other topics in SUPERCASA News
Source: Freepik Author: Redaction Portugal is celebrating half a century since the Carnation Revolution, a milestone that not only ended a long dictatorship, but also triggered significant transformations in the countrys housing scene. In the last 50 years, the number of homes in Portugal has more than doubled, providing a significant increase in the availability of housing for families . In addition, the quality of housing has improved considerably , with a drastic reduction in the lack of basic services such as electricity, piped water and sanitation. These improvements are testimony to the progress made in providing adequate housing for Portuguese citizens. However, despite the increase in housing stock, significant challenges remain. Finding a decent home remains an arduous task for many Portuguese, especially due to the shortage of supply and constantly escalating prices , making the housing market increasingly competitive. One notable change is the growing prevalence of vacation homes over main residences. This phenomenon reflects not only the evolution of the tourism sector, but also policies to encourage foreign real estate investment, such as gold visas. Despite the increase in the number of homes, the problem of empty homes persists , presenting additional challenges. The new government is proposing measures to address these challenges, including incentives for first-time home buyers and the rehabilitation of empty homes, but the implementation of these policies may encounter obstacles without a parliamentary majority. As Portugal celebrates 50 years of democracy, the issue of housing continues to be a central point of debate and action, highlighting the need for comprehensive and sustainable solutions to guarantee access to decent housing for all citizens. Read also: More than 273,000 pensioners would receive less than €278 in 2022 and Lack of labor causes construction costs to rise
Source: Freepik Author: Redaction There are strategies that you may be missing and that can make all the difference in your monthly sales. If you are a real estate professional, know that it is essential to have a good team, trained and focused on making more sales, but also good management platforms that can accompany and help you at all times of the day. These are the pillars for good business, but there are concrete guidelines that we explain to you. 1. Work with omnichannel platforms If you’re not familiar with the term omnichannel, don’t worry, it’s simpler than you think. This type of management presupposes a strategy that offers customers any service channel offered by the brand, and that can be the real estate site, social networks or visit request forms. Thus, you will provide your services in an omnipresent way, with multiple channels where potential customers can contact you or consult your properties and/ or schedule a visit request. This multi-channel experience will increase the levels of brand awareness as well as its visibility , allowing greater efficiency from the point of view of communication and the means used to reach your customer and potential customer. To be able to put this strategy into practice you just need to create an action plan, at an early stage, and see in which channels you are interested or makes sense to be present . Then, you should centralize your content to an audience , strategically segmenting your content to the various strands of your sales funnel . At a more advanced stage , using management platforms such as CRM Ego Real Estate, you should integrate all strategic areas of your company in one place and monitor results . Through the eGO, it can integrate real estate website, leads it receives from real estate portals and social networks, contact lists, real estate portfolio, ongoing sales opportunities, tasks, bureaucratic processes, invoicing, and a whole host of other things, saving not only time but resources . Click here to learn more. 2. Target your audience well To achieve good results, knowing what matters to your audience is essential. In real estate this segmentation will not be difficult, because they are very specific audiences and can be divided between people who are looking for a house to buy, people who want to actively sell their home or owners with properties available to sell. To segment your audience, you only need to evaluate aspects such as the demographics and characteristics of your audience, directing content that touches them in a psychosocial way. In the demographic part, it will evaluate basic information such as age, gender, occupation, marital status, and psychosocial analysis should pay attention to their problems, needs and desires, among others. It will be from this analysis that you will be able to define one or more tones of communication for your company, which will act with your audience to generate interest, connection and conversion. 3. Use SEO to your advantage Search Engine Optimization is fundamental for those who seek recognition and increase their online sales , being a concept that is related to the positioning of the site in search engines such as Google . So, to establish a good SEO, you must have a good website. And to have a good website, you do not need to spend a lot of money, being able to invest in a website with integration to your CRM , more specifically, an ego Real Estate website. By choosing such a site, you can choose from a more personalized site, in which you choose exactly the features and layouts that you want to see mirrored as your showcase, or a premium website with state-of-the-art technology and exclusive features that will grow your online presence. If in doubt, you can always schedule a free consultation with the expert eGO team and get the best advice. Still, we leave you the following indications to use SEO in your favor: you must establish the objectives you want to achieve, set the tone of communication of your business, create assertive and relevant content for your target audience and take you on a journey to purchase, use relevant keywords and develop a link building strategy, creating anchors for the various platforms where your brand has a presence. Do you know where to start? With the help of the ego Real Estate team, you will quickly grow your sales!
Source: Freepik Author: Redaction Although house prices continue to rise in Portugal, at the end of last year there was a slowdown in most of the most populous municipalities compared to the previous quarter. According to data released on Tuesday by the National Statistics Institute (INE), the median house price rose by 7.9% compared to the same period in 2022, reaching 1619 euros per square meter. This represents a drop of 1.3% compared to the median price in the third quarter of 2023 , marking a reversal in the upward trend that had been in place since the fourth quarter of 2022, according to INE. All the municipalities with more than 100,000 inhabitants in Greater Lisbon, the Setúbal peninsula and the Porto Metropolitan Area, with the exception of Santa Maria da Feira and Gondomar, recorded median house prices higher than the national average in the fourth quarter. However, INE points out that there was a slowdown in house prices in quarterly terms in 18 of the 24 municipalities with more than one hundred thousand inhabitants , including the nine municipalities of Greater Lisbon. From the third to the fourth quarter, the year-on-year rate of change increased in six of the most populous municipalities , with the biggest variations in Maia and Vila Nova de Famalicão. On the other hand, prices fell in the municipalities of Porto and Lisbon, with the biggest drop at a national level in Funchal , among the most populous municipalities. Lisbon remains the region with the highest prices , with the municipalities of Cascais, Loulé, Lagos, Vila do Bispo and Oeiras standing out. INE also points out that in the Algarve and Greater Lisbon there are price differentials between municipalities that can exceed two thousand euros per square meter. Want to read more about housing? SUPERCASA News recommends: Minister says “supply shock” needed in housing and Lack of housing in the northern region: CCDR-N indicates solutions
Source: Freepik Author: Redaction The Lisbon City Council launched a proposal following the presentation of the results of the public consultation of the Municipal Housing Charter, at the 7th meeting of the Lisbon Municipal Housing Council, last Friday, April 19, which includes measures of positive discrimination. The proposal was launched by the Councilor of Housing, Filipa Roseta, and includes affordable rental programs for long-term residents in parishes with strong housing pressure, keeping the competitions open to all. According to the councilwoman, we will propose affordable income programs in which 50% of the houses in competition are intended exclusively for those who live or work in Lisbon and the rest for all candidates . It has been suggested that in the five parishes of the historic center where pressures are highest, namely Arroios, Santo António, Misericórdia, Santa Maria Maior and São Vicente, the percentage rises to 75% for those who live or work there. The goal, as explained to Filipa Roseta, is to provide solutions to many who are forced to leave the city and to displaced professionals from essential professions, such as nurses, teachers and police, or who, without available housing, are forced to refuse job offers in the city of Lisbon. He declared: positive discrimination in affordable income programs is necessary to counteract the outflow of population from the parishes that have suffered the most housing pressure . Keep abreast. Read also: Houses for sale without a license have skyrocketed since the beginning of the year
Source: Freepik Author: Redaction According to the National Institute of Statistics , for the second consecutive month the interest rate implicit in all housing credit agreements fell to 4.613% in March. This is a decrease of 2.8 basis points compared to February, at 4.641%. In the last three months, there has been a decrease, for the fifth consecutive month, in the interest rate on contracts signe d, from 4.197% in February to 4.000% in March. The average installment reached the value of 403€, remaining equal to that of February and 72€ above what was found in March last year, which translates into a monthly variation null. According to INE, in the contracts signed in the last 3 months, there was a decrease of € 9 in the average value of the service compared to the previous month, to € 619 in March. This translates into an increase of 7.5% compared to the same month of 2023, and the average outstanding capital for all housing loans rose 233€, to 65,391€. Keep abreast: Around 1.5 million PARI processes were initiated in 2023
Source: Freepik Author: Redaction According to the 2023 Monetary Emission Report published by Banco de Portugal (BdP), 265.8 million €20 banknotes were produced last year through the printing company Valora. In the information disclosed in the report, presented on Monday, the activities of the central bank with regard to the issuance of banknotes and coins are described , and it is possible to determine that the total of the banknotes produced arepart of banknotes allocated to the BdP for production under the agreement with the central banks of Austria and Belgium. Still, t here was a negative issuance of the monetary production of the banknotes in Portugal, of -24.7 million euros, which represents a decrease of 17.8% compared to the end of 2022. Thus, 6,372.7 million euros in banknotes came out of the BdP and 10,113.6 million euros came in. The justification behind this variation lies in the positive development of tourism, which has brought in banknotes that are not absorbed by demand, but also by the rise in interest rates of the European Central Bank (ECB), which has discouraged banknote holdings. On the other hand, the net issuance of coins increased again, setting itself at 791.6 million euros at the end of 2023. On a global scale, the number of banknotes and the number of euro coins circulated reached historic highs at the end of last year , setting and 29.8 billion banknotes and 148.2 billion coins. In this sense, the BdP indicates that the growth of net monetary issuance confirms that cash remains the most used means of payment by euro area citizens even though the value of banknotes in circulation has decreased for the first time since the introduction of the euro currency, set at 1.6 trillion euro. This fall represents -0.3% compared to the end of 2022, reflecting the growth of the ECB’s interest rates. Regarding counterfeits , the Monetary Issuance Report indicates that 16,723 counterfeits of banknotes and 3,197 counterfeits of coins were withdrawn from circulation in Portugal, corresponding to tiny percentages of the number of genuine banknotes and coins in circulation . Continue reading: Bank unduly charged more than 8 million euros in 2023
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