Glossary
Imposto do Selo (stamp duty)
Five separate charges in property: 0.8% on purchase, 0.6% on the mortgage, 4% on bank fees, 4% on interest of non-primary-home loans, and 10% of one month's rent on leases.
Most calculators implement only the first. The one almost everyone misses is the fourth: 4% on interest, every year, on any loan that isn't for the home you live in — an investment mortgage is not a primary-home loan.
The lease charge is paid by the landlord on signing and on each rent increase, and is tax-deductible.
General information based on current legislation. Not tax or legal advice.