⚠ "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 refuses to value.
Planta carimbada
🏊
Approved pool
What the câmara stamped
≠
Realidade
🏊️
As-built pool
Larger, or not on the plan at all
€0
A bank appraiser values the unlicensed part at zero. That cuts the loan-to-value and leaves the buyer to cover the gap in cash, or walk.
And since DL 10/2024 (4 March 2024): the fines were removed but the licensing obligation was not. The câmara can still order legalisation or demolition. A pool in a RAN or REN zone may be unlegalisable at any price.