Section 7 - Before You Sign

Property Due Diligence Checklist
23 Things to Verify Before You Sign in Portugal

PropCheck
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Legal Documents
Items 1–12
01
CertidĂŁo Permanente obtainedIssued within the last 30 days
02
No active encumbrances on Certidão PermanenteHipotecas, penhoras, acções judiciais
03
Registered owner matches seller's identity exactly
04
Area in CertidĂŁo matches Caderneta Predial Urbana
05
No undisclosed co-owners or third-party rights
06
Property registered for habitation useNot commercial or agricultural
07
Caderneta Predial Urbana obtainedCurrent tax year version
08
IMI is up to date - no arrears
09
VPT checked against purchase priceAT reassessment risk assessed
10
Licença de Utilização obtainedOr Certificate of Non-Necessity for pre-1951
11
Licensed description matches current physical layout
12
No active demolition order or municipal enforcement
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Physical Condition & Simplex 2024 (DL 10/2024)
Items 13–18
13
Area in CertidĂŁo matches physical measurements
14
All extensions & enclosures in licensed floor planBalconies, mezzanines, conversions
15
No visible evidence of unlicensed structural additions
16
PropCheck Reality Gap Score below 6Above 6 = physical inspection required
17
Ficha Técnica de Habitação presentRequired for post-2004 properties
18
Floor plans from Câmara Municipal reviewedCross-checked against current layout
⚡
Fiscal & Energy
Items 19–23
19
Certificado Energético obtained - energy class confirmed
20
EPBD renovation liability modelledClass F/G flagged for retrofit CAPEX
21
IMT calculated correctlyImposto Municipal sobre Transmissões
22
Imposto do Selo included in acquisition costStamp duty - 0.8%
23
PropCheck AIRCS energy score reviewedDesconto castanho exposure assessed
PropCheck automates checks 1–12 and 19–23 from uploaded documents.
Items 13–18 are flagged where document discrepancies indicate physical investigation is warranted.