Illustrative example: fictional data
This report demonstrates the format and depth of the analysis. The property and figures are fictional; your report is generated for the property you choose, with the real process data.
Analysis for
Apartamento T2 no centro do Porto (exemplo)
Generated on 25/06/2026
Estimated market value
145.000 €
True total acquisition cost
104.595 €
Discount vs market
27.87%
Recommended maximum bid
Above this amount, the total acquisition cost exceeds the safety margin over market value. A preparation estimate, not bidding advice.
127.737 €
Executive summary
RESUMO Imóvel T2 no centro do Porto com desconto relevante face ao valor de mercado e perfil jurídico simples.
PORQUE CONSIDERAR
- Desconto estimado face ao VME acima de 25%.
- Execução com ónus canceláveis (a hipoteca extingue-se com a venda).
- Localização de elevada liquidez (Porto, centro).
RECOMENDAÇÃO FINAL Oportunidade a considerar, sujeita a confirmação presencial do imóvel.
Value analysis
Calculated on 102.500 € (the current bid (already above the minimum))
Total cost breakdown
Assumption: purchase for investment (second home), the more conservative case. IMT is not always due: an own permanent home up to €106,346 is exempt (CIMT, art. 9), IMT Jovem exempts up to €330,539 (art. 9(2)) and a purchase for resale by someone who carries on that activity may be exempt (art. 7). Non-residents pay 7.5% when buying housing (art. 17(10)). A preparation estimate; it does not replace tax advice.
Simplified legal analysis
Overall risk level: LowEncumbrances cleared by the sale
- Hipoteca a favor do Banco X (extingue-se com a venda)
Encumbrances the buyer inherits
None identified
No declared occupants
Pending actions
None identified
Pre-emption rights
- Município do Porto (zona de reabilitação urbana)
Registered mortgages, attachments and seizures
- Mortgage · Banco X · 60 000 €
In a judicial sale these registrations lapse with the sale and the creditors are paid from the price (art. 824, no. 2 and 3, of the Civil Code). They do not pass to the buyer.
Evidence in the documents
- hipoteca · edital
“Hipoteca a favor do Banco X que se extingue com a venda.”
- preferencia · certidão
“Município com eventual direito de preferência (zona de reabilitação urbana).”
Market context
INE rent of new contracts in Porto, 1.º Trimestre de 2025 (provisional). Gross: before property tax, service charges, vacancy and tax; over the total acquisition cost.
4 previous bids on this property
Next steps
- Confirmar presencialmente o estado do imóvel.
- Validar a certidão predial permanente atualizada.
- Confirmar inexistência de ocupantes no local.
- Definir o limite máximo de licitação com base no CTRA.
Main risks
- Direito de preferência do município (zona de reabilitação urbana).
- Estado de conservação não inspecionado.
- Custos de obras ainda não orçamentados.
This report is automated AI decision support and does not constitute legal advice. Always confirm the information with a specialised lawyer before bidding.
Get this analysis for any auction
Pick a property in the feed and order your Licito Report for 9 €: delivered in under 5 minutes.
Browse auctions and analyse