A newly completed low-rise Portuguese apartment building with balconies and landscaped walkway beside a neighbouring unfinished structure covered in scaffolding.

Your starting point

A house purchase brings legal, financial and physical checks together. Give each its own time and appoint independent help where needed.

A new-build purchase needs a clear view of what is promised, when and under which protections. Use the steps below to organise a decision, not to infer an official approval, a guaranteed price or a universal deadline.

Work through the decision

Buying New-Build or Off-Plan — a diagram of the key planning steps
Planning diagram. The same steps are described in the text below.
01

Specify the property

Review plans, specifications, included equipment and how changes would be handled.

02

Check the framework

Have permits, guarantees, contract terms and developer obligations independently reviewed.

03

Plan for uncertainty

Understand delays, payment stages, inspection rights and the cost of temporary accommodation.

Adapt this to your circumstances

Keep citizenship, current residence, household needs and the location of the home separate in your notes. Ask the responsible authority, institution or qualified professional to confirm any requirement that affects your situation. A checklist used by another household may not apply to yours.

Sources and checks

Justice portal — Casa Pronta — an official starting point for this topic. The relevant page, its scope and effective date must be checked before a consequential decision.

No market prices, eligibility thresholds or legal deadlines have been invented for this guide. Dates in personal planning tools are suggestions or values you supply.

Make it practical

Open the Home Purchase Cost Calculator to keep the information you collect with your own assumptions, notes and next actions.

Open Home Purchase Cost Calculator

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