Both outcomes, same silence

What the valuation confirms, either way

A figure below the price and a figure on the price answer the same narrow question. Neither changes what the report was commissioned to establish.

The question a buyer has	Valuation comes in low	Valuation lands on the price
Is the figure defensible as security for the lending entity?	Reduced figure is	Yes
Is something on the plot missing from the municipal file?	Possibly, unstated	Not established
Do the two property records reconcile within artigo 28.º-A?	Possibly, unstated	Not established
Was the built footprint measured against the approved drawings?	No	No
What causes a defect recorded as conservation state?	No	No
Are concealed structure, wiring and services sound?	No	No
What would putting any finding right cost?	No	No

The reading buyers get wrongA valuation on the agreed number is the least informative outcome of the exercise. It removes the accidental signal the process sometimes generates, and adds no finding in its place. Nothing in Lei n.º 153/2015 makes it a clearance.

Sources: Lei n.º 153/2015, de 14 de setembro, artigos 1.º, 16.º and 20.º and its annex · Código do Registo Predial, artigo 28.º-A · Decreto-Lei n.º 10/2024, de 8 de janeiro. Legal position last reviewed 7 September 2026.