Approved FINE, reflection period, documents, insurance, taxes, final viewing and completion: organise the most sensitive stage before receiving the keys.
Key takeaways
- Put FINE, reflection, CPCV and documents on one calendar.
- Compare final approval with the selected offer.
- Prepare funds, taxes, insurance and final viewing early.
Mortgage approval is not completion. The approved offer, mandatory reflection period, CPCV deadline, property documents, insurance, taxes and funding all need one coordinated calendar.
The Bank of Portugal states that approval includes a new FINE and draft contract. The lender is bound by the proposal for at least 30 days, while the borrower and any guarantor have a mandatory minimum seven-day reflection period.
The buyer checklist
- Compare the approved FINE with the selected simulation: amount, term, rate, APR/TAEG, total cost/MTIC, payment, insurance, linked products and conditions.
- Confirm the valuation, actual loan amount and cash contribution.
- Recheck the registry certificate, tax record, use documentation, energy certificate, condominium position and any mortgage cancellation.
- Arrange insurance with the correct cover and start date.
- Prepare own funds, tax payments and transfer limits. The Tax Authority explains IMT and Stamp Duty.
- Confirm the completion method, participants and documents. Casa Pronta can handle purchase, mortgage and registration procedures in one service.
- Complete a final viewing and record keys, meter readings, included contents and any material change.
- Keep the title, credit contract, tax evidence, policies and receipts after signing.
Bank approval does not replace legal or technical property checks. Validate the specific process with the responsible bank and legal, tax and registry professionals.
Urban-planning statement and completion funds
Under RJUE article 4-A(14), amended by DL 108/2026, the professional formalising a covered transfer must record the planning title presented, or the seller’s statement that they hold or do not hold it; omission can make the transaction voidable. A statement that no title is held does not regularise works, confirm lawful use or compel a bank to lend. Obtain municipal documents and legal confirmation, separating planning compliance, lender requirements and completion formalities.
Fictional funding example: price €250,000, deposit already paid €25,000 and loan released €200,000 leave €25,000 of the price due at completion, plus taxes and costs. Count the deposit once. If the offer is expiring, obtain written confirmation of its terms and validity. Continue with the after-purchase checklist.
Editorial review: 21 October 2026. The rules and official sources below were checked on this date. This is general information, not an individual legal, tax or financial opinion.
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.
