Property Decision Dossier
Bring acquisition, financing, operating income and stress into one transparent property-screening summary for Portugal or Spain.
Market
Inputs are editable assumptions, not market quotations or personal advice.
Acquisition
Financing
Operation
Stress test
Decision snapshot
Portugal · 60/100
Stress test
Stressed monthly cash flow
-€100
Items to validate
- Cash flow turns negative under the stress assumptions.
- Net income covers debt service by less than 1.25×.
Useful next steps
Country context and sources
O IMT incide sobre transmissões onerosas de imóveis e pode coexistir com Imposto do Selo. As regras e escalões devem ser confirmados antes do acto.
AICEP — IMTItems to validate
This dossier is a screening estimate, not a valuation, credit offer, tax calculation or investment recommendation. Confirm the property, legal and tax facts with qualified professionals.
FAQ
Does the dossier decide whether I should buy?
No. It is a transparent screening summary. It cannot replace legal, tax, technical or lending advice.
Why are acquisition costs editable?
Portuguese IMT and Spanish ITP/VAT depend on the transaction, property and buyer profile. The editable input keeps the scenario explicit.
What does the stress test change?
It raises the interest rate and reduces rent by the percentages you set, then recalculates payment and monthly cash flow.
Can I share the scenario?
Yes. The URL holds the scenario inputs and the free PDF includes a watermarked decision summary.