Buying a home in Portugal as a foreigner is a structured process, and it usually follows these key steps:

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1. Simulation & Budgeting
   The process begins with a mortgage simulation. This gives you an idea of how much you can borrow, what your monthly payments might look like, and the overall affordability based on your financial situation.

2. Document Collection
   You’ll need to gather personal and financial documents (such as proof of income, tax returns, bank statements, and identification). These will be used to assess your eligibility for financing in Portugal.

3. Financial Viability Analysis
   Banks review your information to evaluate your capacity to repay the loan. This step ensures that the mortgage fits your income, expenses, and long-term financial stability.

4. Bank Proposals
   Once your profile is approved, different banks present their mortgage offers. Each proposal will vary in terms of interest rates, conditions, and repayment options.

5. Guidance & Decision
   A meeting is usually arranged to walk you through the proposals, explain the fine print, and help you choose the option that best suits your needs.

6. Opening a Bank Account
   After selecting a bank, you’ll need to open an account there. This account will be used to manage the mortgage payments and related expenses.

7. Property Appraisal
   The chosen bank arranges for the property to be evaluated. The appraisal confirms the market value of the home and ensures it aligns with the mortgage request.

8. Final Deed (Escritura)
   The process concludes with the signing of the deed (“Escritura”) before a notary. This step finalizes the property purchase and officially transfers ownership to you.

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