Algarve buyer risk · Plan vs reality
The house that "engordou": stamped plan vs as built
Planta carimbada
What was authorised
120 m²
The footprint, pool, and annexes the Câmara approved, sealed on the registered plan.
Realidade
What stands on the plot
120 m² +ext
An enclosed terrace, a wider footprint, or a pool that appears on no plan. "Similar to the plans, but larger" (Azul Properties).
Discrepancy
A 10% to 20% gap between plan and structure is common, and invisible to anyone who does not measure.
Bank value
An appraiser assigns €0 to unlicensed parts, opening a financing gap on the day of the deed.
Source: Azul Properties (edificios-piscinas-ilegais-no-algarve); InspectOS field methodology.