An American couple living in Texas want to make an offer on a flat in Lisbon. What do they need before they can buy?

1. A Portuguese residence permit
2. A Portuguese tax number (NIF), applied for through a tax representative because they live outside the EU and EEA
3. Nothing, a US passport is enough at the deed
4. Approval from IMPIC for foreign buyers

A Brazilian investor asks: 'If I buy a EUR 600,000 apartment in Porto, do I get a golden visa?' What is the correct answer?

1. Yes, EUR 500,000 in property still qualifies
2. Only if the property is in a low-density area
3. Yes, if he also renovates it
4. No, property purchases stopped qualifying for new golden visa applications on 7 October 2023

A Chinese client got his golden visa in 2021 by buying a flat in Lisbon. He asks if he must sell or reinvest now that property no longer qualifies. What is the accurate answer?

1. Existing holders stay under the rules that applied when they applied and can renew on those conditions, as long as they keep the investment and meet the stay requirement
2. He must switch to a fund investment at his next renewal
3. His visa was cancelled automatically in October 2023
4. He can keep it only if he becomes a tax resident

A British buyer who has never lived in Portugal buys a home on the mainland for EUR 400,000 in October 2026, in cash. How much IMT and purchase stamp duty does he pay in total (EUR)?

A French client now lives in Paris but was tax resident in Lisbon from 2015 to 2019. He is buying a holiday flat in Cascais. Does the 7.5% non-resident IMT apply?

1. Yes, every non-resident pays 7.5% without exception
2. No, French citizens are exempt as EU nationals
3. No, a non-resident who was previously tax resident in Portugal pays the general IMT rates
4. Only if the price is above EUR 1 million

A German buyer paid 7.5% IMT in June 2026 and plans to move to Portugal next year. How can she recover the difference?

1. It is refunded automatically when she gets her residence card
2. If she becomes resident within two years of the purchase, she can file a reclamação graciosa within six months to get back the difference with the general rates
3. She cannot, IMT is never refundable
4. She must resell the home within two years

An American investor will not move to Portugal but wants to let his new Lisbon flat. Which rental plan can also get his 7.5% IMT refunded?

1. Letting it on Airbnb for at least 180 nights a year
2. Letting it at any rent for one year
3. Letting it to a company for staff housing for six months
4. Letting it at a moderate rent of up to EUR 2,300 a month, starting within six months, for at least 36 months in the first five years

A married couple in community of property (comunhão de bens) live in London and buy a home together. The wife was tax resident in Porto years ago; the husband never was. Which IMT applies?

1. The general rates, because one spouse's past residence takes the couple outside the 7.5% regime
2. 7.5% on the whole price
3. 7.5% on the husband's half and general rates on the wife's half
4. They are exempt from IMT

A German investor wants to buy in Santa Maria Maior (Alfama, Baixa) and run it as a new AL holiday let. What do you tell him?

1. He only needs to register on RNAL, approval is automatic
2. The parish is in absolute containment under Lisbon's AL rules since 6 December 2025, so new registrations are banned in principle
3. He needs the condominium's unanimous consent, then he can register
4. AL is allowed there only for flats under 50 sqm

A Dutch buyer fears his new neighbours could shut down the AL he is buying in Faro. Since Decree-law 76/2024, how can a condominium act against an AL?

1. Any single owner can cancel the registration
2. The condominium administrator can cancel it at any time
3. Owners holding more than half of the building's permilage can pass a reasoned objection over repeated disturbance, and the mayor decides
4. Condominiums have no say at all over AL

Your British buyer's lawyer wants to check who owns the house and whether it carries a mortgage or a seizure. Which document shows this?

1. The certidão permanente do registo predial
2. The caderneta predial
3. The energy certificate
4. The licença de utilização

A seller in Gaia asks what the caderneta predial urbana is and where to get it. What do you answer?

1. It is the building permit, issued by the city council
2. It is the land registry certificate, EUR 15 online
3. It is a certificate from the notary, only issued at the deed
4. It is the property's tax record (location, areas, tax value, owners), used for IMI and free on the Portal das Finanças

A Canadian buyer loves a townhouse in Porto's centre built in 1920. The seller has no licença de utilização. Is that a problem?

1. Yes, no deed can ever be signed without it
2. Not by itself: buildings built before 1951, when the RGEU came into force, do not need a licença de utilização
3. Yes, but the energy certificate replaces it
4. No, the licence is only needed for commercial property

A Lisbon owner wants you to advertise his flat now and 'sort out the energy certificate later'. What do you say?

1. Fine, it is only needed at the deed
2. It is optional for homes built before 2013
3. The certificate is required before advertising for sale; advertising without it can bring a fine, so we order it first from an ADENE-qualified expert
4. Only new builds need one

Under anti-money laundering Law 83/2017, when must a Portuguese agency identify its clients in a sale?

1. When the mediation contract is signed, and always before the CPCV or the deed
2. Only at the deed, the notary does it
3. Only if the client pays in cash
4. Only for buyers from outside the EU

A Luxembourg company wants to buy a villa in Comporta through your agency. For AML, whose details must you collect besides the company's registry data?

1. Only the director who signs
2. Nobody else, a company certificate is enough
3. Only shareholders who are Portuguese residents
4. Holders of stakes of 5% or more and the members of the board

A buyer refuses to explain where his funds come from and wants to rush the deed. You suspect the money may be criminal. What must the agency do?

1. Ask the client for a written explanation and continue if he signs it
2. Report it immediately to DCIAP and the UIF, suspend the operation and not tell the client about the report
3. Warn the client that you will report him unless he explains
4. Just drop the client, nothing else is required

Your agency lets a Lisbon apartment to an Angolan executive at EUR 3,000 a month, signed in August 2026. What must the agency report to IMPIC, and by when?

1. Nothing, only sales are reported
2. Only if the rent is paid in cash
3. The lease, in the quarterly report for Q3 2026, due by 31 December 2026, because the rent is EUR 2,500 a month or more
4. The lease, within five days of signing

A British buyer says: 'With this new 7.5% tax, Portugal is now too expensive. I'll wait.' What is the most professional response?

1. Tell him the tax will surely be cancelled soon
2. Offer to cut your fee to cover the tax
3. Agree and close the file
4. Acknowledge the concern, show the full cost on his real budget, explain the refund routes (residence within two years or a moderate long-term let) and suggest he checks them with a tax adviser

A Brazilian buyer says your agency's 5% fee plus VAT is 'too high' and asks you to drop it to 2% before he even visits. What is the best first reply?

1. Explain what the fee covers (pricing, marketing, buyer checks, negotiation, coordination to the deed), remind him the seller usually pays it on a resale, and focus on finding the right home
2. Accept 2% at once to keep the client
3. Tell him fees are fixed by law at 5%
4. Ignore the question and book viewings