Analysis
Calculadora de Partilha de Imóvel no Divórcio
Compare as suas opções na divisão de imóvel em caso de divórcio ou separação
País
Dados do Imóvel
Divisão de Propriedade
Cenário
Equity Summary
Resultados
IRS mais-valias: isenção se reinvestido em HPP (art. 10.º CIRS)
Como Funciona
Ambas as partes acordam vender o imóvel. O valor líquido (após hipoteca, custos de venda e IRS sobre mais-valias) é dividido conforme a quota de propriedade.
Uma parte compra a quota da outra. O comprador paga o valor da quota do outro e assume a hipoteca total (normalmente requer refinanciamento).
Ambas as partes mantêm o imóvel temporariamente (ex: até os filhos terminarem a escola). Os custos são partilhados; o capital projectado é calculado no final do período.
About This Calculator
This calculator helps divorcing spouses fairly divide their property assets, taking into account existing mortgages and accumulated equity. It provides a structured approach to assess the financial implications of property division, ensuring a clear understanding for both parties. Use this tool to navigate complex asset distribution and achieve an equitable settlement.
Methodology Details
Gather Property Information
Collect all relevant details for each property, including its current market value, outstanding mortgage balance, and any other liens or debts associated with it. This foundational step ensures accurate calculations.
Determine Equity
Calculate the net equity for each property by subtracting the outstanding mortgage balance and any other debts from its current market value. This figure represents the true value available for division.
Input Individual Contributions
Account for any separate contributions made by each spouse towards the property, such as down payments, significant renovations, or inherited funds used for purchase. These contributions can influence the final split.
Consider Other Assets and Debts
Include other significant marital assets and debts, such as savings accounts, retirement funds, vehicles, and credit card debts, to ensure a holistic view of the financial picture. This helps in balancing the overall settlement.
Propose Division Scenarios
Experiment with different division percentages or asset allocations to see how they impact the final financial outcome for each spouse. This allows for negotiation and finding a mutually agreeable solution.
Worked Example — Braga, Portugal
For a 240 000 € home in Braga, Portugal, document ownership shares, mortgage balance and local transaction costs.
- →Enter the current property value, debt and each party's legal or economic contribution.
- →Use the calculator to make the allocation or buyout assumptions visible.
- →Obtain independent legal advice before an agreement or court filing.
The result is an educational negotiation scenario and does not determine legal rights.