IFRRU 2020 is a financial instrument designed to support investments in urban rehabilitation, in the whole Portuguese territory
Who can apply?
Any entity, whether natural or collective person, public or private (including condominiums), with a title that gives her/it the power to carry out the intervention.
What are the types of support?
Support is provided through financial products of two types (not cumulative):
> Loans - provided by the financial entities selected to manage IFRRU 2020 support, with maturities of up to 20 years, grace periods equivalent to the investment period + 6 months (max. 4 years), and interest rates below market rates
> Guarantees - associated with loans provided by the same selected financial entities, for projects that do not have sufficient guarantee
Tax benefits already foreseen in the Portuguese law associated to the location and nature of the intervention may be also applicable, namely related to IMI, IMT and VAT.
What are the types of interventions that may be financed?
> Overall rehabilitation of buildings aged 30 years or more (or in the case of younger buildings, with a conservation level of 2 or less, according to Decree-Law no. 266-B/2012, of 31st December)
> Rehabilitation of abandoned industrial spaces or units
> Rehabilitation of private units integrated in an overall rehabilitation of a social housing building
In the same funding application, IFRRU 2020 supports energy efficiency measures complementary to urban rehabilitation interventions.
The renovated buildings can be used for any purpose, such as housing, economic activities and equipment for collective use.
Which expenses are supported?
All expenses related to the urban rehabilitation intervention and the energy efficiency measures.
> If the building use is intended for housing:
must be located in the territory defined by the Municipality in a plan called Plano de Ação de Regeneração Urbana (that covers historic centres, riverside areas or abandoned industrial areas), or similar plan in the Portuguese autonomous regions
> If the building use is not intended for housing: it has just to be located in an Urban Rehabilitation Area (ARU) delimited by the Municipality
> If it is a private unit integrated in a social housing building: must be located in the area delimited by the Municipality in a plan called Plano de Ação Integrado para as Comunidades Desfavorecidas
How do I apply?
3 steps to prepare an application for financing:
1. Request for the opinion of the Municipality of the location of the property
2. Energy Certificate of the property before the intervention by an expert qualified by ADENE
3. Request for financing from the financial entity
E-mail | firstname.lastname@example.org
Telephone | +351 21 723 17 98
The prestigious American magazine Forbes writes that Lisbon is at the top of the 10 best places in the world where a foreigner can change in 2018 and live very well for very little
The prestigious American magazine Forbes writes that Lisbon is at the top of the 10 best places in the world where a foreigner can change in 2018 and live very well for very little
The prestigious American magazine Forbes writes that Lisbon is at the top of the 10 best places in the world where a foreigner can change in 2018 and live very well for very little.
The magazine relied on Live and Invest Overseas, which advises people how to move to the cheapest places to live in 2018. He spoke to Kathleen Peddicord, editor of Live and Invest Overseas, who revealed what distinguishes each one these places.
The city of Lisbon comes in first place and "this is a very pleasant place to be and our best choice," says Peddicord, who describes Lisbon as a "noble and elegant city" full of "inspiring points of view that were built during the Golden Age of Discovery. "
According to Peddicord, Lisbon - and the whole of Portugal - offers a competitive living cost, which is among the lowest in Western Europe, thanks to an "enviable fiscal situation" and many real estate 'bargains'. It is possible to live here comfortably, but modestly, with a budget of only $ 1,300 per month, including rent, food and more. Also the option to purchase a home is very attractive.
Other things that make Lisbon attractive are: secular and pastel stone structures, formal gardens, parks with elaborate fountains, cobbled roads in contrasting colors and "sea scenes that are like works of art," Peddicord told Forbes.
Following Lisbon, Cali appears in Colombia; Santo Domingo in the Dominican Republic; then San Pedro, Ambergris Caye, Belize; Saint-Chinian, France; Abruzzo, Italy; Ljubljana, Slovenia; Playa del Carmen, Mexico; Bali, Indonesia and Da Nang in Vietnam.
Portugal won the World Travel Awards Best Touristic Destination in the World
Portugal won the World Travel Awards in the World Travel Awards, becoming the first European country to win this distinction, defeating competitors such as Brazil, Greece, Maldives, USA, Morocco, Vietnam or Spain.
In a statement issued by the Secretary of State for Tourism in Europe, "only the cities of London and Paris" have already won this prize, with Dubai being the destination that has been awarded the most awards by the World Travel Awards (WTA), considered internationally as the "Oscars of Tourism".
Lisbon: `Best Destination for` City Break` in the World`
In the WTA 2017 final - which took place today in Phu Quoc, Vietnam - the city of Lisbon was also the winner by winning, for the first time, the prize for 'Best Destination for `World Break` in the World, attributed" for its attractiveness and offer of excellence for short stays ".
As mudanças na legislação e a situação econômica são dois fatores fundamentais para que o investidor brasileiro se volte mais para Lisboa e menos para Miami na hora de comprar imóveis. O brasileiro se tornou o melhor cliente das agências imobiliárias lisboetas, já que tem chegado à capital portuguesa com o orçamento mais elevado de todos os demais investidores.
Os brasileiros formam a maior comunidade estrangeira em Portugal, com 87.493 residentes, ou seja, 22% do total de estrangeiros, segundo dados oficiais. Graças ao incremento do turismo internacional, a imagem que o brasileiro tem de Portugal mudou bastante.
“Durante muito tempo, o brasileiro viu Portugal como um país pobre e atrasado”, comenta a agente imobiliária Catarina García. “Houve uma mudança de mentalidade, em boa parte pelo trabalho realizado no Brasil e, em parte, devido ao crescimento do turismo em Lisboa”.
O brasileiro é o turista que mais gasta em Lisboa, depois dos angolanos e dos alemães, mas na hora de comprar uma casa é o que dispõe do orçamento maior, tornando-se um cliente de alto padrão. É a isso que se dedica, em seu trabalho, o agente imobiliário Gustavo Soares: “É um cliente que procura imóveis a partir de 800.000 euros (3,2 milhões de reais) e com cerca de 300 metros quadrados, de preferência no percurso entre Lisboa e Estoril”.
Soares admite que o número de consumidores brasileiros aumentou muito nos últimos dois anos, seja em decorrência da crise econômica em seu país, seja por causa das boas perspectivas apontadas para Portugal.
A PwC publica anualmente um relatório imobiliário para investidores internacionais. No Emerging Trends in Real Estate de 2016, Lisboa aparece como a sétima cidade mais atrativa para investimento, em um total de 28 grandes cidades analisadas.
“A sensação é de que Portugal voltou a estar no radar dos investidores. A recuperação de Lisboa foi total; com o impulso da popularidade internacional e as conexões transatlânticas, a cidade voltou a ser um local atraente para os investidores”, afirma o relatório.
De todas as cidades que aparecem na lista da PwC, seja à frente ou atrás de Lisboa, só uma é atraente para os brasileiros. A consultoria coloca cidades como Berlim, Hamburgo, Dublin, Copenhague, Birmingham e Estocolmo nos primeiros lugares do seu ranking de investimento imobiliário, mas esses são lugares com os quais o brasileiro típico não costuma sonhar. A única exceção na lista é Madri, em quarto lugar.
“A capital espanhola às vezes é concorrente e às vezes é sócia”, observa Catarina García. “Temos brasileiros que compram aqui apesar de trabalharem em Madri, e vice-versa. O cliente aprecia muito a proximidade de Lisboa com as principais cidades europeias. Faz o papel de ponte aérea com a Europa.”
A explosão imobiliária que acontece em Lisboa se deve ao investimento estrangeiro, pois o consumo local é o habitual, mais barato e distante dos centros urbanos, que ficam reservados aos escritórios e moradores estrangeiros. O volume de vendas cresceu 27% no ano passado, e os preços no Chiado, o clássico bairro do centro lisboeta, dispararam, apesar de essa não ser a zona preferida dos investidores brasileiros.
“Diferentemente do europeu, as preferências deles são por condomínios com glamour; o francês, por exemplo, busca mais edifícios históricos no centro da capital”, explica Soares.
O comprador europeu valoriza mais a história do edifício que suas comodidades. É capaz de comprar, na Mouraria ou na velha Alfama, um apartamento sem elevador, sem vaga de garagem e aonde é quase impossível chegar de carro.
García observa, porém, que o Brasil “é um país tão grande que nele tampouco há um perfil único de comprador”. “É diferente o brasileiro que já trabalha na Europa, que vive entre cidades europeias – este é atraído pela moradia lisboeta clássica, carregada de história, mesmo que com o sacrifício de um pouco de comodidade; em troca, o brasileiro que chega pela primeira vez do outro lado do Atlântico procura espaço, praia e comodidade”.
João, vindo de São Paulo, comprou três imóveis: uma casa à beira do rio, “para residência”, um apartamento em Lisboa, “para trabalhar”, e uma chácara “para os fins de semana”. “Tudo isso a vinte minutos de carro”, explica García. “Isso é impossível em São Paulo sem um helicóptero, além de toda a infra-estrutura necessária em segurança e serviços”.
A instabilidade política do Brasil incentiva a colocar as economias num porto seguro. Tradicionalmente esse mercado seguro e estável tinha sido Miami (Estados Unidos), mas uma mudança da legislação estadual aumentou o imposto de sucessões para 40% e o dinheiro fugiu da cidade norte-americana para se abrigar em Portugal.
“Nenhum destino oferece ao cliente brasileiro o que Lisboa oferece”, acrescenta García. “Sol, praia, segurança, bons preços, boas escolas, boas comunicações e, claro, a mesma língua…”. Também não há muita alternativa à economia, com o rendimento nulo do dinheiro no banco, o risco de uma bolsa louca e uma legislação que favorece os aposentados estrangeiros: zero encargos tributários em Portugal e nas aposentadorias de seu país de origem.
Diferentemente dos asiáticos, os brasileiros não investem para obter o visto de residência europeia. Os vistos gold são dados, fundamentalmente, a quem comprar um imóvel de mais de 500.000 euros; desde que a medida entrou em vigor há quatro anos, dos 3.247 vistos concedidos, 90% foram para cidadãos chineses e só 5% para brasileiros.
A consultora Catarina García adverte os recém-chegados que os preços no centro de Lisboa já estão altos – subiram 22% em um ano –, caso sua ideia seja o retorno do investimento e não a residência. “É um bom produto porque não vai desvalorizar, mas não vai obter rendimento; se quiser rendimentos de 6% sobre seu investimento, há coisas muito interessantes do outro lado de Lisboa”. Catarina não se refere só ao rio Tejo, mas também ao Atlântico: “Existem hoje, no Brasil, opções interessantíssimas de investimento para os portugueses”.
People with money are interested in diversifying it beyond the US stock market in particular, "Peddicord stresses." A vacation or second or third home in a sunny Shangri-La is an increasingly attractive option. It is a difficult asset that works as a lifestyle enhancement and cushions the buyer from any shock that American markets may have.
While most high net worth individuals opt for a second or third residence in the country where they reside, an increasing number of people with net assets of more than $ 30 million are buying houses in other countries, according to the report. International households represent 16% of non-priority households, compared with 11% in 2010.
Mid-market buyers are spending $ 250,000 to $ 500,000 on unique properties, but wealthy people are spending $ 1 million or more in many markets, including the Caribbean and Europe. "We are seeing growing interest in Panama and countries where the US dollar is strong." These include France, Spain and Portugal.
David Forbes, head of consultant Savills, even reveals that security has become an important issue around the world and living in secure locations is increasingly an option.
The historic areas of Lisbon - Baixa, Chiado and Avenida da Liberdade - are the most valued in the housing rehabilitation market, according to a study presented today. The document states that the average price offer integrated apartments in rehabilitation projects located in this area are the highest in the city, reaching 6,089 euros / m², a value that is between 18% and 38% higher than in other areas where there are products like.
Noting that Lisbon is assumed today as one of the preferred destinations for investors who want to invest in rehabilitation, particularly in the housing sector, the paper presents an analysis of the resulting housing supply urban rehabilitation projects in the capital, in addition to integrating a legal analysis of this sector. In total, the study "Urban Rehabilitation for Residential Use in Lisbon" analyzes a sample of 775 apartments built in urban renewal projects located in four areas of cities, noting that most of this offer are T2 and T3, that most of the projects are already in construction and that about 50% of the units are already marketed.
As expected, the Baixa / Chiado and Liberty Avenue is also the one that concentrates most of the projects under development, bringing together 67% of the rehabilitated apartments. The average price asking the apartments located here has appreciated by 18% compared to the second most expensive area of the city for this type of products, including the New Avenues, where the average price is 5,174 euros / m² and where it is concentrated 14% of the offer. Given the area of Streams / St Vincent / Penha de França (11% of rehabilitated housing supply), the difference in asking price is 35%, compared with the average offer here found of 4,507 euros / m². The study also states that the area of Star / Campo de Ourique, the cheapest, has a similar average to the latter (4,414 euros / m²), with the largest gap against the most valued area (38%).
Portugal had 77 nominations for awards in the World Travel Awards 2015. The Portuguese Tourism won 16 awards in more than ten European categories in those who are known as the "Tourism Oscars'. This brand equals that achieved in 2014.
Among the 16 winners highlight the Algarve, elected as a beach destination, TAP, which won two awards - best company to fly to Africa and South America, and the Turismo de Portugal, voted best body Official Tourism European. The Algarve, TAP and Tourism of Portugal repeat these distinctions. TAP also won, with its in-flight magazine "UP Magazine", the prize in this category.
The gala of the 22nd edition of the World Travel Awards took place this Saturday, September 5, Forte Village in Sardinia (Sardinia, Italy). Portugal exceeded countries such as Spain and hosts Italy.
Nominations and awards are given for a range of thousands of professionals in the hospitality and tourism sector.
For a full list of the Portuguese winners
Among the new rules for those who want a visa is the "acquisition of property, whose construction has been completed for at least 30 years old and located in urban regeneration area and carry out rehabilitation works of real estate acquired (... ) amounting less than 350,000 euros. " (The previous law only since this was within reach of those who acquire real estate value of less than 500,000 euros)
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Marie and Yvon Meillarec had the idea to buy an apartment in Portugal because they started hearing it was "the adoption of the earth at the French tax."
"In France, we hear more and more that Portugal is a land of adoption for the French tax level. I confirm that Portugal is fashionable for French retirees and although we were the first in our circle of friends to buy, there must be others to think the same thing, "he told Lusa Marie Meillarec.
The couple, who live in the northwestern Brittany in France, bought an apartment, Wednesday, August 5, and two days later he was in Seixal and comprehensive changes are being "controlled by the Agency," which sold them the property to "deal with finances, electricity and telephone" because they do not speak Portuguese.
Initially, Marie and Yvon hesitated between Barcelona and Lisbon, but "the financial argument" was what convinced them to choose Portugal to spend part of the reform.
"He was the financial argument that convinced us. For we already hold around a few months and then just see. The status [usual non-resident] is very interesting, maybe we come to ask, but for now, we have an adaptation period because we can not leave everything behind for a moment to another, "said French.
Portugal also won because of the "good times", the "right people", cosmopolitan life in Lisbon and just be conquered by an apartment in a gated community in the Bay of Seixal.
"The apartment is over 100 square meters [m2] and have a terrace which also over 100 m2. We have views of Lisbon, is spectacular. To go to Lisbon, we have the boat at 1.50 euros which takes us there in 15 minutes and we are 200 meters from the pier, "describes.
The Story of Marie and Yvon is another that is in addition to many others that have shown the reports in the French press, in which the "Golden reforms" in Portugal have been a recurring theme since the first edition the Real Estate Fair and Portuguese tourism it four years, an event that usually takes place in June in Paris and this year extended to Lyon.
One of the last articles of 6 August and was published in the French newspaper Les Echos writes that Portugal is the "new land of exile for retirees" and "the privileged fate of French pensioners, overtaking Morocco, which suffers the impact of geopolitical problems in North Africa. "
The business daily explains that "out of the crisis, Lisbon in 2012 decided to extend the welcome mat for European pensioners to stimulate domestic consumption" because of the unusual resident status, something that had "impact on public finances French "because" in 2013, France lost more than four million euros in tax revenues due to travel to Portugal. "
In the last room of the property and the Portuguese tourism, the president of the Chamber of Commerce and Franco-Portuguese Industry, Vineyards Carlos Pereira, he told Lusa that there are currently "over 7,500 French with unusual resident status [in Portugal], 5600 of which are reformed, "saying that by the end of this year, there are" some twenty thousand French living in Portugal that the Portuguese tax residents. "
The unusual status of resident in Portugal, in force since January 2013, allows any refurbished - the private sector - the European Union tax exemption for ten years from residing in Portugal 183 days a year and has not had tax resident in the country in the past five years.
For the second consecutive year, the readers of USA Today, one of the highest circulation of American newspapers, gave us the first place in the annual list of the top ten European countries.
"Portugal is less iconic than the famous countries but offers a wealth of opportunities to travelers: charming villages, great food, fascinating regional music, cultural opportunities, a beautiful coastline and even world-class surfing." The business card appears in USA Today (newspaper that sells more in the US, with a circulation over 1.6 million copies daily) illustrates the charm that we are allocated. This time, Portugal was chosen by readers from all over the newspaper world as the best destination in Europe in 2015 - as had happened in 2014. The vote was one of the most hard-fought, yet the country, "often underestimated, has all the trappings to be a beautiful European city, "said the newspaper, leaving behind destinations like Italy, Austria and Germany, second, third and fourth places.
"Portugal apparently stole the hearts of our readers, ensuring the highest number of votes," the USA Today. The sidewalks and medieval castles, sunny beaches, delicious cuisine and history to explore are attributes that make Portugal a destination of choice. "Whether you are swimming in the turquoise waters, sipping a glass of port in the Port City Cafe or listening to the melancholy wail of fado in Lisbon, the understated beauty of Portugal is obvious."