Bank Valuation

Bank evaluation is an important and mandatory step for anyone who decides to use a bank loan. It is based on bank evaluation that credit and leasing entities decide whether or not to approve and what financial amounts and guarantees are involved. So, on this page you can follow the news and articles I wrote on this topic.

Having been approved on January 8, 2024, the "Licensing Simplex" within the More Housing Package, no longer requires the presentation of the Habitation License and Technical Dossier of the property, or proof of their existence, at the time of the deed of sale and purchase of a house, with retroactive effects from January 1, 2024.

But what is the purpose of these documents... View more

This expectation is sufficient for:

Some buyers wait for the "bubble to burst" waiting for the promised price drop. Some more opportunistic investors enter the field with " balance price proposals", pointing the finger at the imminent recession. Some owners give up putting the property up for sale... View more

The bad part is that you were probably the only one responsible. The good part is that in life all mistakes have an advantage: they serve as a lesson :)

We live in troubled times. The doubt has been present for 2 years:

"Is this the right time to realize that dream I've been chasing for a long time? Buying a house with a garden, leisure areas or even a swimming pool?

...

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Lisbon, has long since failed to satisfy the demand for housing and hence the strong registered growth in the price per square meter in the sale and rental of houses. In 2019, the capital had the highest median price of family housing (3,247 € / m2), among the 7 cities in Portugal with more than 100 thousand inhabitants and recorded a year-on-year growth of + 7.9%...

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INE published the Survey on Banking Evaluation in Housing, for the month of December 2015. This confirms the trend of increasing appreciation of the price per m² of apartments and houses in the regions of Lisbon, Sintra, Oeiras and Cascais. This growth has a more linear behavior with regard to the purchase of apartments.

In these locations, the appreciation of the residential market...

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