⚠ "A propriedade engordou" · The property got fat
When the pool you buy is bigger than the pool on the plan
As-built dimensions so often differ from the stamped plans that local agents have a phrase for it. The gap is not cosmetic, it is what the bank may refuse to value.
Planta carimbada
🏊
Approved pool
What the câmara stamped
≠
Realidade
🏊️
As-built pool
Larger, or not on the plan at all
Gap
A bank appraiser may leave the unlicensed part out of the valuation. That can cut what the bank lends and leave the buyer to cover the gap in cash, or walk.
And since DL 10/2024 (1 January 2024): the notary no longer checks the licence at the deed, but the licensing obligation remains and unlicensed works still face fines. The câmara can still order legalisation or demolition. A pool in a RAN or REN zone may be unlegalisable at any price.