Source: Adobe Stock Author: Redaction Building a strong network for research and contacts requires dedication and effort. For many, prospecting and acquiring properties can become overwhelming, but it doesn’t have to be that way. In this article, we’ll explain some tips and strategies that can be simpler and more effective. Monitor the Market Daily It’s important to track the market every day to understand which new properties are coming on the market and, within your target areas, which owners are trying to sell their homes so you can reach them more easily. Speed and information are crucial factors in how you build your property portfolio. You want to be the first to contact property owners and stay ahead of the competition in a competitive market. Look for new properties and those available on the market, either by contacting owners, proactively visiting properties, or using platforms like Infocasa, which helps you optimise your time. Work with partners who simplify your daily tasks, such as Infocasa . This platform provides access to a comprehensive database of properties (including data from property portals, websites, AI, and more), where you can set up automatic alerts to receive new property listings for specific areas and price fluctuations directly to your email . You can also generate complete market reports in minutes, giving you a thorough view of market values based on a customised analysis tailored to your interests. Automate Prospecting and Acquisition In the daily life of a consultant, especially one who is out and about door-to-door, it’s easy to fall into disorganisation. Many professionals still use outdated methods for recording their routes and performance, but with advancements in technology and available tools, it’s now possible to manage all this on a single platform, which can even be integrated with your management CRM , saving time, making data analysis more efficient, and maintaining a reliable and organised history of information. With Infocasa, you can access properties from professionals, private sellers, banks, and new builds without leaving the office. This allows you to access good properties on the market without spending hours or days searching for good deals for your agency. The best part is that you can easily export your properties directly to the CRM integrated with Infocasa, greatly streamlining the back-office tasks of editing and managing properties. Prospect and Acquire Properties on the Go with Your Smartphone Expanding your property search beyond what is listed on portals or real estate websites can exponentially increase your opportunities. While finding this kind of information can be challenging, street prospecting can be very useful and complement online prospecting on Infocasa. To assist consultants who are out on the streets doing door-to-door work and who may not always have the time to be at their desk, Infocasa has developed ‘My Routes’, a platform accessible from your smartphone. With ‘My Routes’, you can walk the streets and set up your route on a map for real-time property prospecting in the area you’re in. While out and about, you can receive alerts for properties from private sellers in that area and quickly take notes within the app. Then, simply return to the office, sit in front of your computer, and review all the routes you’ve created, with the properties you’ve acquired already available in your CRM eGO, as it is integrated with Infocasa. Easy and straightforward, it’s an excellent way to expand your property portfolio! With the right tools, you can broaden your range of good properties and optimise time and money. If you’re interested in a free demo of Infocasa, click here.
Source: Adobe Stock Author: Redaction Buying a house is one of the biggest investments most people make in their lifetime. For many, securing a mortgage is key to realizing the dream of owning a home. However, the process can seem complicated and intimidating. To help, we’ve outlined four essential steps to ensure you get the mortgage you need. Assess Your Financial Situation Before you start house hunting, it’s crucial to conduct a thorough review of your financial situation. This includes analyzing your income, expenses, and savings. The goal is to determine how much you can afford for a down payment and what monthly payments you can sustain. Use online mortgage calculators to estimate the amount you might be able to borrow based on your financial profile. Check Your Credit Banks and financial institutions will review your credit history when considering your mortgage application. It’s important to check your credit report in advance and ensure there are no errors or outstanding issues. If needed, pay off debts or resolve issues that could negatively affect your credit score. A strong credit history can increase your chances of securing better loan terms. Compare Offers from Different Institutions Don’t settle for the first mortgage offer you receive. Compare proposals from different banks and financial institutions. In addition to the interest rate, consider factors such as the loan term, fees, and additional costs. Request loan estimates to see which institution offers the best terms for your profile. A careful comparison can lead to significant savings over time. Prepare the Necessary Documentation Each financial institution may have slightly different requirements, but generally, you’ll need to provide a range of documents for credit analysis. These may include proof of income (such as pay slips or tax returns), identification documents, proof of savings, and information about the property you wish to buy. Ensure all your documentation is organized and ready to avoid delays in the process. Following these four steps can simplify the mortgage application process and make buying a home smoother and more efficient. With proper preparation and careful analysis, you’ll be better positioned to secure the ideal financing and achieve the dream of homeownership.
Source: Adobe Stock Author: Redaction With the rise of remote work and distance learning, creating a functional and comfortable study space at home has become a priority for many families. An appropriate environment can directly influence concentration, productivity, and well-being, which are essential for academic or professional success. But how can you create the perfect study space? Choosing the Ideal Location The location of the study space is crucial. Look for a quiet, well-lit area of the house that is free from distractions. If possible, avoid common areas like the living room, where the movement of other people can interfere. Ideally, find a secluded corner where focus can be maintained for long periods. Proper Lighting Natural light is always the best option for a study space. Positioning the desk near a window can enhance concentration and improve mood. However, if natural light is insufficient, complement it with a desk lamp that provides direct lighting, avoiding shadows that can hinder reading. Ergonomic Furniture Investing in comfortable and ergonomic furniture is fundamental. An adjustable chair that supports the back and a desk at the right height prevent posture problems and physical fatigue. Physical comfort is directly linked to the ability to study for longer periods without discomfort. Organization and Minimalism Keeping the space organized is essential for focus. Use drawers, shelves, or organizers to store study materials. Less is more: a minimalist environment, free from excess objects, reduces the feeling of mental clutter and improves productivity. Personalization and Comfort Creating a visually pleasing study space is also important. Adding motivating elements, such as inspirational posters, plants, or photographs, can make study time more enjoyable. However, it is important to maintain balance, avoiding decorations that become distractions. Technological Tools A modern study space should be equipped with necessary technological tools, such as a computer or tablet, a good internet connection, and, if needed, printers or other devices. Ensure that cables are organized to avoid confusion. With these tips, you can transform any space into a conducive environment for studying, enhancing performance and comfort for those who spend hours studying at home. The key is to combine functionality, comfort, and organization, creating a space that promotes focus and creativity.
Source: Adobe Stock Author: Redaction The deed is an essential step in the process of buying and selling a house in Portugal, as it is the legal document that formalizes the transaction. The cost can vary depending on several factors, such as the value of the property, the location, and associated services. Main Costs: Municipal Property Transfer Tax (IMT): This is one of the largest costs associated with buying a house. The amount to be paid depends on the sale price of the property and its purpose (primary residence or secondary). IMT can range from 0% to 8%, depending on the propertys value. Stamp Duty: In addition to IMT, there is also Stamp Duty, which represents 0.8% of the sale price of the house. This tax is mandatory for all real estate transactions. Notarial and Registration Costs: The deed must be executed before a notary or a property registry office. The cost of notarial services can range from 300 to 700 euros, depending on the complexity of the transaction and the chosen entity. Bank Fees (if applicable): If the purchase is financed through a mortgage, there may be additional costs, such as the process opening fee and the loan formalization fee, which can vary from bank to bank. Example: For a house worth 200,000 euros, purchased as a primary residence, the buyer may incur the following additional costs: IMT: approximately 4,500 euros Stamp Duty: 1,600 euros Notarial and registration costs: between 300 and 700 euros. Thus, the total cost for the deed and other charges may exceed 6,000 euros. The costs of the deed for a house in Portugal involve a range of taxes and fees that should be considered in the overall budget of the purchase. To ensure that all expenses are accounted for, it is advisable to consult a lawyer or a solicitor specializing in real estate law, or even a mortgage intermediary, to avoid surprises during the transaction.
Source: Adobe Stock Author: Redaction Real estate scams are becoming increasingly common in Portugal, affecting both buyers and sellers. These fraudulent schemes can involve non-existent properties, falsified documentation, or hidden debts and liens associated with the property. To avoid falling into these traps, it is crucial to be informed and follow some security measures. One of the most frequent scams involves phantom properties, where fraudsters advertise fictitious properties at attractive prices, asking for advance payments as a deposit or security. The best way to avoid this scam is to visit the property in person and verify its legal documentation. Another common scam is the use of falsified documentation. Criminals may forge property registration certificates or deeds to convince the buyer of the propertys authenticity. To avoid this, it is advisable to check the documents directly with official entities, such as the Property Registry Office, or to hire a lawyer to do so. There are also cases where sellers try to hide mortgages or liens on the property. This scam can cause significant losses to the buyer, who may inherit these debts. The solution is to check for encumbrances through an updated property registration certificate. Another scheme involves fake real estate agents who pose as accredited professionals but lack authorization to practice. It is important to confirm if the agent is registered with IMPIC (Institute of Public Markets, Real Estate, and Construction). In rental cases, scammers advertise properties for short-term rental and request advance payments to reserve the property, which often does not exist or is already occupied. To avoid this scam, never make payments before verifying the property in person or using trusted rental platforms. To protect yourself from these scams, some important tips include hiring trustworthy professionals (lawyers, solicitors, or accredited agents), being cautious of deals that seem too good to be true, and always verifying the identity of all parties involved in the process. Additionally, it is advisable to avoid cash payments, opting for traceable methods such as bank transfers. In summary, knowledge and verification are the best tools to avoid real estate scams. Consulting official documentation, involving competent professionals, and exercising caution throughout the process are essential to ensuring safety in real estate transactions, whether buying, selling, or renting.
Source: Adobe Stock Author: Redaction Luxury is about the organisation of space and the way elements around are distributed. Transforming a common property into a luxurious home without spending a lot requires focusing on details that create a significant visual and functional impact. Want to give your home a youthful vibe with minimal investment? Here are some tips. Walls and Lighting Depending on the room, you might want to create different environments. Using a palette of light and medium colours can amplify the spaces. Light colours allow for the propagation of light, especially natural light in rooms with windows. A warm or “yellow light” creates a cozy and refined atmosphere, as opposed to “white light,” which creates a minimalist environment. Tips for Walls and Lighting Use a palette of neutral and sophisticated colours, such as greys, whites, beiges, and soft tones. Add a feature wall with quality wallpaper or elegant textures. Replace common lighting with more modern and stylish options, such as chandeliers, pendant lights, or recessed lighting. Use LED lights in plaster mouldings or LED strips in strategic locations to create a more sophisticated ambiance. Opt for a simple and inexpensive lamp, but pay special attention to the lampshade; it should be customised. Decoration, Materials, and Quality When it comes to furniture, decorators recommend choosing pieces with natural finishes and combining them with lacquered furniture. Ensure that the furniture is stunning, high-quality, and features elegant colours. Buying second-hand furniture is also a good option. With this approach, you can give new life to what some might consider “junk.” For example, on an old wooden piece, you can add a glass or stone top, or use brass or bronze feet if you want to elevate it. A professional touch can also be achieved by varnishing or painting with sophisticated colours. Tips for Decoration, Materials, and Quality Replace cabinet handles with more modern metal options. Invest in tasteful decorative pieces, such as cushions, curtains, and rugs with elegant textures and colours. Prefer furniture with straight lines and contemporary design; less is more. Use large mirrors to give a sense of space and sophistication, especially in living rooms and hallways. Paintings, sculptures, and decorative items can add a touch of luxury without a huge investment. Opt for works by local artists or high-quality reproductions. Keeping the space well-organised and free of excess objects makes a big difference in the perception of luxury. Replacing faucets with more modern models and investing in details like a good mirror, a distinctive sink, or elegant accessories makes a significant impact. The Exterior Also Matters For those looking to buy a property, the presence of an outdoor space is always considered, as it influences the decision-making process. In these cases, the first interaction with the property is the exterior . Therefore, special attention should also be given to this aspect of the home. Outdoor spaces should convey elegance and functionality, providing comfort, well-being, and a sense of glamour while promoting a connection with nature. Tips for the Exterior Take good care of the outdoor area, even if it’s small. Well-maintained plants, elegant pots, and outdoor lighting can transform the space. Use indirect lighting, preferably powered by solar energy. Add textiles that provide comfort, green plants, and pergolas, which are essential elements in the composition of the space.
Source: Adobe Stock Author: Redaction Transforming the home into a space full of memories and personal stories is becoming a growing trend in interior design. One of the most creative and emotional ways to decorate is by incorporating objects brought back from travels, allowing holiday memories to become part of daily life. Each piece comes to life, telling unique stories of special moments. Whether it’s a handmade rug from Morocco, a sculpture from Bali, or even shells collected on a paradise beach, these objects not only personalize spaces but also bring an aura of adventure and emotion. For many, displaying travel finds is a way to prolong the sense of freedom and discovery experienced during holidays, as well as keeping cultural connections with the visited places alive. Decoration experts suggest that these objects be displayed strategically, harmoniously integrated into the style of the house. Shelves, niches, feature walls, or even coffee tables can be perfect spaces to organize these memories. Local crafts, photographs, old maps, and even museum tickets can be used as decorative elements, creating a visual narrative that blends different cultures and personal stories. In addition to telling stories, decorating with travel souvenirs can also have a deeper meaning. Many of these items are the result of artisanal practices, supporting local economies and preserving ancestral traditions. Bringing these items home is not just a form of decoration but also a support for fair trade and sustainability. With this approach, decoration goes beyond aesthetics. It becomes an expression of experiences, discoveries, and emotions, creating a home that reflects the personality and adventurous spirit of its inhabitants. After all, objects brought from holidays are not just physical souvenirs but chapters of a story that continues to be written with each trip.
Source: Adobe Stock Author: Redaction As 2025 approaches, many tenants in Portugal are preparing for rent adjustments due to new regulations. To adapt to this scenario, its essential to understand how to calculate the updated rent amount and the impact these changes may have on your monthly budget. The main change for 2025 is related to the Consumer Price Index (CPI), which will be used to adjust rental contracts. The rent increase will be calculated based on the variation in the CPI, which reflects inflation and changes in the cost of living. Therefore, knowing the projected CPI for the next year is crucial to predict your new rent amount. How to Calculate the New Rent Value: Determine the Current Rent Value: Start by checking the current monthly rent you are paying. Consult the Consumer Price Index (CPI): Identify the CPI applied to your rental contract. The CPI is regularly published by the National Institute of Statistics (INE) and shows the average price changes of goods and services over time. Calculate the Percentage Change in CPI: Compare the CPI from the previous year with the current CPI to determine the percentage increase. For example, if the CPI increased by 2% compared to the previous year, that will be the percentage adjustment for your rent. Apply the Adjustment to the Current Rent: Multiply the current rent amount by the percentage increase in CPI. For example, if the current rent is 800 euros and the CPI increase is 2%, the new rent value will be 800 euros + (800 euros x 0.02) = 816 euros. Check the Specific Terms of the Contract: Ensure there are no additional clauses in your contract that may influence the rent calculation, such as adjustments based on other indicators or maximum limits for increases. In addition to calculating the new rent value, its important to consider the financial impact on your budget. With the anticipated increase for 2025, many tenants may need to reassess their expenses and explore options to better manage the cost increase. For a more accurate and personalized estimate, consulting a real estate legal expert or financial advisor may be helpful. They can provide additional guidance and help you better understand the implications of rent changes. Anticipation and planning are key to handling rent adjustments and ensuring you can adapt without financial surprises. Stay informed about updates and prepare to manage changes effectively.
Source: Adobe Stock Author: Redaction The Portuguese government is considering a new strategy to tackle the housing crisis affecting the country. In a measure aimed at increasing the supply of properties and facilitating access to housing, the state may make its own land available for the construction of new residences. The proposal was discussed in recent meetings of the Ministry of Infrastructure and Local Administration and comes as a response to the growing demand for affordable housing. With the housing crisis affecting both buying and renting, utilizing state-owned land could be a viable solution to relieve pressure on the housing market. The plan involves making state-owned land, which is currently underutilized or not designated for housing purposes, available for residential construction projects. This land could be offered to private developers, housing cooperatives, or even public housing initiatives, depending on local needs and existing housing policies. The measure aims to increase the supply of properties, particularly in urban and peri-urban areas where land scarcity has contributed to rising property prices and difficulties in accessing housing. Additionally, the initiative seeks to stimulate the construction of housing projects that cater to various income profiles, promoting diversity and social inclusion. For the plan to move forward, a rigorous process of regulation and planning will be necessary. The government will need to set clear criteria for land allocation and ensure that housing projects are sustainable and broadly benefit local communities. The proposal has already received support from various housing sector entities and organizations, which highlight the importance of concrete measures to address the housing shortage. However, some critics warn of the need to ensure that making the land available does not lead to real estate speculation or projects that do not effectively meet the housing needs of the population. The government promises that more details on the implementation of the measure will be announced soon and that open dialogue with stakeholders will be crucial to ensuring the initiatives success and providing real benefits to the Portuguese housing market. This proposal reflects the governments commitment to finding innovative and effective solutions for the housing sector, with the goal of providing more opportunities for home ownership and improving the living conditions of all Portuguese citizens.
Source: Adobe Stock Author: Redaction With energy costs on the rise, many Portuguese are looking for effective ways to reduce their electricity bills. Adopting a few simple strategies can lead to significant savings at the end of the month. Here are eight practical tips to help reduce your electricity expenses: Use LED Bulbs: Replacing incandescent and fluorescent bulbs with LED bulbs can cut energy consumption by up to 80%. LED bulbs are more durable and efficient, contributing to considerable savings. Take Advantage of Natural Light: Whenever possible, maximize the use of natural light during the day. Open curtains and blinds and avoid turning on lights when there is sufficient daylight. Turn Off Appliances on Standby: Many electronic devices continue to consume energy even when in standby mode. Completely turn off equipment such as TVs, computers, and chargers when not in use. Adjust Thermostat Temperature: Lowering the heating temperature by just 1°C can lead to up to 10% savings on your electricity bill. Additionally, set your hot water thermostat to a moderate temperature to avoid excessive consumption. Use Appliances Efficiently: Run your washing machine and dishwasher only when full to maximize energy efficiency. Also, choose lower temperature wash cycles whenever possible. Take Advantage of Off-Peak Rates: If your electricity provider offers different rates based on the time of day, adjust your appliance use to lower-cost periods. Scheduling laundry or heating for nighttime can result in significant savings. Insulation and Sealing: Improve your homes insulation and check for air leaks around windows and doors. Good insulation reduces the need for heating and cooling, thus lowering energy consumption. Use Efficient Equipment: When replacing appliances, opt for models with better energy efficiency, marked with an A++ or higher energy efficiency label. These appliances consume less electricity and help reduce your bill. Implementing these tips can not only help lower your electricity costs but also contribute to more sustainable energy management at home. With small changes in daily habits and how we use our appliances, its possible to achieve significant savings and improve your homes energy efficiency.
Source: Adobe Stock Author: Redaction With the aging population and increasing concern about financial security in retirement, many Portuguese are considering the best ways to ensure a stable future through retirement savings plans. However, with the variety of options available on the market, how do you choose the plan that best suits your needs? Choosing the ideal retirement savings plan depends on several factors, including personal financial profile, retirement goals, and time horizon. Here are some essential aspects to consider when selecting the most suitable plan: Type of Plan: There are different types of retirement savings plans, such as pension savings plans (PPRs), pension funds, and retirement insurance. Each type offers distinct advantages and features, such as tax benefits, guaranteed or variable returns, and contribution flexibility. Tax Benefits: PPRs, for example, offer significant tax advantages by allowing contributions to be deducted from income tax up to certain limits. Evaluating these benefits can help maximize investment returns and reduce tax burden. Return Rate: It is important to consider the return rate offered by the plan, as well as the stability and reputation of the financial institution managing it. Compare projected return rates and associated fees for each plan to find the best balance between risk and reward Flexibility and Conditions: Check the plans conditions, such as flexibility in contributions, the possibility of early withdrawals, and associated penalties. Some plans offer greater flexibility, which can be advantageous if there are fluctuations in your saving capacity over the years. Time Horizon: Your retirement horizon is also a crucial factor. Plans with higher exposure to financial markets may be more suitable for those with a long time until retirement, while more conservative options might be preferable for those approaching retirement. Personal Goals and Needs: Define your savings goals and estimate the amount you wish to accumulate to ensure a comfortable retirement. This will help you select a plan that aligns with your future financial needs. To make an informed decision, it is advisable to consult a financial planner or insurance advisor who can provide personalized analysis and recommend the most suitable savings plan for your situation. Investing in retirement savings is a crucial step to ensure a secure and financially stable retirement. Carefully evaluating the available options and choosing the right plan can make a significant difference in your financial future.
Source: Adobe Stock Author: Redaction With the growing interest of foreigners in purchasing property in Portugal, many financial institutions are offering mortgage loans tailored to international investors. However, to facilitate the approval process, it is crucial for foreign applicants to know the required documents and be prepared to present them appropriately. To apply for a mortgage in Portugal as a foreigner, the following documents are generally required: Personal Identification: A valid passport or ID card from the country of origin. If residing in Portugal, a Portuguese tax identification number may also be required. Proof of Residence: Utility bill, rental agreement, or another document confirming the current residence. Proof of Income: Tax returns, salary receipts, or proof of income from business activities. If the applicant is self-employed, additional documentation regarding their business and income must be provided. Employment Contract or Proof of Employment: A document confirming job stability, such as an employment contract or a letter from the employer. Bank Statements: Copies of recent bank statements, generally from the last three to six months, to demonstrate the applicants financial capacity. Property Documentation: Purchase agreement or reservation contract, appraisals, and other documents related to the property being acquired. Portuguese Tax Identification Number (NIF): To obtain a NIF, foreigners must visit a tax office in Portugal or a Portuguese consulate in their home country. Proof of Down Payment: To ensure the buyer can cover part of the property’s cost, it is necessary to present proof of available funds. In addition to these documents, each bank may have specific requirements, so it is advisable to consult the financial institution directly for a detailed and updated list. It is also recommended to seek the assistance of a financial or legal advisor specializing in international real estate transactions to ensure all legal and financial aspects are properly handled. With the proper documentation and careful planning, foreigners can successfully navigate the mortgage process in Portugal and achieve the dream of purchasing property in the country.
Source: Adobe Stock Author: Redaction The extraordinary tax applied to local accommodation owners has been officially eliminated. The measure, announced by the government, aims to ease the financial burden on property owners focused on tourism and encourage the maintenance and expansion of this sector. The extraordinary tax was introduced as a temporary measure to help address specific economic challenges. However, after a thorough review and consultations with stakeholders, it was decided that its removal would benefit the sustainability of the local accommodation market. The decision has been welcomed by local accommodation owners and industry associations, who argue that the elimination of the tax will help make the market more competitive and accessible, particularly at a time when many are facing economic pressures. Additionally, the government emphasizes that, with the end of this tax, it will be essential to monitor the markets impact and ensure that the quality of services provided to tourists remains a priority. The executive asserts its commitment to supporting the sector and ensuring that future measures are well-balanced to promote sustainable growth in local accommodation. Property owners should stay alert to new guidelines and regulations that may emerge to ensure compliance with current standards. The elimination of the extraordinary tax represents a significant step for the sector and an opportunity to revitalize the local accommodation market in Portugal.
中文(简体)
Português
English
Français
Español
Deutsch
Nederlands
Русский
