A 24-hour, 30-day and annual sequence for organising registration, address, utilities, IMI, insurance, condominium matters and maintenance.
Key takeaways
- Keep your own secure property file.
- Confirm registration, tax record, address, utilities and insurance.
- Create an annual tax and maintenance calendar.
Receiving the keys starts the management phase. Keep independent copies of the title, registration, credit contract, tax payments, insurance, energy certificate, plans, condominium papers, warranties and included equipment inventory.
First week
Record meter readings and keys, confirm registration and the tax record, update the address if the home becomes your main permanent residence, and arrange utilities. Do not inherit another person’s informal contract or debt without clarification.
First 30 days
Review insurance cover, exclusions and start dates. Ask the condominium for rules, budget, fees, recent minutes and approved works. Inspect water shut-offs, electrical board, damp, roof, drainage, ventilation, heating, windows and external structures.
IMI
The Portuguese Tax Authority explains that IMI is based on the taxable property value and is due from the person recorded on 31 December. Up to €100 is paid in May; amounts above €100 up to €500 in May and November; amounts above €500 in May, August and November. Check any exemption individually using official Tax Authority guidance.
Create an annual calendar for property tax, insurance, condominium charges, maintenance, drainage, damp, energy use and emergency contacts. This is general organisation guidance, not individual tax, legal or insurance advice.
Official sources and references
Links consulted and cited in the article. Always check the current version for your circumstances.
Editorial note
Prepared by FRANETIC using identified sources. General information only; legal, tax, banking, technical and planning matters require case-specific validation.
