Licito

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

Value70
Legal90
Liquidity90

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.

127.772 €

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

IMT (second home / investment)1.025 €
IMT if it is your own permanent home0 €
Stamp duty816 €
Fees250 €
Estimated works0 €
True total acquisition cost104.595 €

Assumption: purchase for investment (second home) — the more conservative case. Some transactions pay less or no IMT at all (e.g. resale by a registered entity, refurbishment, or the sale's own regime). A preparation estimate; it does not replace tax advice.

Simplified legal analysis

Overall risk level: Low

Encumbrances 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 and liens

  • Banco X · 60 000 €

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

Average price in the area2.200 €/m²
12-month trend—
Transaction volume—

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.

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