OFF-PLAN PAYMENT CALCULATOR
Off-Plan Payment Calculator for Property in Lisbon, Portugal
Calculate staged payment plans for off-plan property purchases in Lisbon. Model your payment schedule from reservation fee through final deed, aligned with construction milestones.
Payment Planning
Milestone Tracking
Risk Protection
Cost Breakdown
CALCULATOR
Calculate your payment schedule
Enter your property price, reservation fee, and CPCV deposit percentage. The calculator will show your complete staged payment schedule aligned with construction milestones.
Payment Summary
Payment Schedule
Reservation
Secures your unit and takes it off the market
Initial Deposit
Paid when signing the promissory contract (CPCV)
Foundation Complete
After foundation work is completed
Structure Complete
When building structure is finished
Finishing Works
During final construction phase
Final Payment
Final payment when signing the deed (escritura)
* This calculator is for informational purposes only and should not be considered as financial or legal advice. Property prices, payment terms, and construction timelines may vary. Always verify details with the developer and consult with qualified professionals before making any commitments.
HOW IT WORKS
How the calculator works
Scroll through each step to explore the complete roadmap.
Enter property details
Input your property price (total purchase price agreed with developer), reservation fee (typically €5,000-€10,000), and CPCV deposit percentage (typically 10-30% of property price).
Key Actions
- Enter total property purchase price
- Set reservation fee amount
- Select CPCV deposit percentage
- Review payment schedule preview
Review payment milestones
The calculator shows your staged payment schedule: reservation fee, CPCV deposit, foundation payment (20%), structure payment (30%), finishing payment (30%), and final payment (20%).
Key Actions
- Review reservation fee payment
- Check CPCV deposit amount
- Understand milestone payment amounts
- Review final deed payment
Understand payment timing
Payments are linked to construction milestones, not fixed dates. Foundation payment typically occurs 3-6 months after CPCV, structure at 9-12 months, finishing at 15-18 months, and final payment at completion (typically 18-24 months total).
Key Actions
- Review payment timeline
- Understand milestone triggers
- Plan cash flow accordingly
- Account for construction delays
Calculate total costs
The calculator includes all acquisition costs: property price, IMT tax (6%), legal fees (1.5%), notary fees (€600), and stamp duty (0.8%). These additional costs are typically 8-9% of property price.
Key Actions
- Review IMT tax calculation
- Check legal and notary fees
- Understand stamp duty costs
- See total acquisition cost
Plan your financing
Most banks won't provide mortgages for unbuilt properties. Plan to use personal funds for staged payments, then secure a mortgage for the final payment (50-70%) when the property is completed and has a Usage License.
Key Actions
- Plan cash requirements for staged payments
- Research mortgage options for final payment
- Consider developer financing if available
- Consult with mortgage specialists
FEATURES
Complete payment planning tools
Staged Payment Planning
Model your complete payment schedule from reservation fee through final deed, aligned with construction milestones.
- Reservation fee calculation
- CPCV deposit planning
- Milestone-based payments
- Final deed cost estimation
Cash Flow Management
Understand payment timing and amounts to manage your cash flow effectively throughout the 1-2 year construction period.
- Payment timeline visualization
- Cash flow projections
- Milestone tracking
- Budget planning tools
Risk Assessment
Learn about legal protections, bank guarantees, and risk mitigation strategies for off-plan purchases in Portugal.
- Bank guarantee requirements
- Legal protection overview
- Developer verification checklist
- Risk mitigation strategies
KEY METRICS
Understanding off-plan payment metrics
Reservation Fee
Initial payment to secure your property unit, typically €5,000-€10,000, paid at reservation before CPCV signing.
€5,000 - €10,000 (fixed amount)
Tip: This fee is usually non-refundable if you withdraw, but it secures your unit and is deducted from the CPCV deposit. Always confirm refund terms in writing.
Lisbon Market: Lisbon developers typically require €5,000-€10,000 reservation fees. Premium developments may require higher amounts. This fee is separate from the CPCV deposit.
CPCV Deposit
Percentage of property price paid upon signing the CPCV (Promissory Contract), typically 10-30% of total price minus reservation fee.
(Property Price × Deposit %) - Reservation Fee
Tip: This is your largest upfront payment. Ensure your CPCV includes a Bank Guarantee (Garantia Bancária) to protect this deposit. Standard deposits are 10-20% for established developers, 20-30% for smaller projects.
Lisbon Market: Lisbon market standard: 10-20% CPCV deposit for reputable developers, 20-30% for smaller or riskier projects. Always verify bank guarantee coverage for this amount.
Milestone Payments
Staged payments linked to construction progress: foundation (20%), structure (30%), finishing (30%), final (20%).
Property Price × Milestone %
Tip: Payments are tied to verified construction milestones, not calendar dates. This protects you from paying for incomplete work. Verify milestone definitions in your CPCV.
Lisbon Market: Standard Lisbon off-plan schedule: Foundation (20%) at 3-6 months, Structure (30%) at 9-12 months, Finishing (30%) at 15-18 months, Final (20%) at completion. Total construction typically 18-24 months.
Total Acquisition Cost
Complete cost including property price, IMT tax (6%), legal fees (1.5%), notary (€600), and stamp duty (0.8%).
Property Price + IMT (6%) + Legal Fees (1.5%) + Notary (€600) + Stamp Duty (0.8%)
Tip: Budget for total acquisition costs, not just the property price. IMT and stamp duty are paid at the final deed (escritura). Use our True Cost Calculator for detailed breakdown.
Lisbon Market: Lisbon acquisition costs: IMT 6% (varies by price), legal fees 1-1.5%, notary €500-€800, stamp duty 0.8%. Total additional costs typically 8-9% of property price for properties over €100,000.
WHY USE THIS TOOL
Plan your off-plan investment with confidence
Realistic Payment Schedules
Based on standard Lisbon off-plan payment structures: reservation fee, CPCV deposit, and milestone-based construction payments aligned with Portuguese market practices.
Complete Cost Transparency
Includes all costs: property price, reservation fee, CPCV deposit, milestone payments, IMT tax, legal fees, notary costs, and stamp duty. No hidden surprises.
Legal Protection Guidance
Learn about bank guarantees, CPCV requirements, developer verification, and risk mitigation strategies specific to Portuguese off-plan purchases.
FAQ
Frequently asked questions
Find answers to common questions about off-plan property purchases and payment schedules in Portugal.
Off-plan refers to buying a property before construction is completed. You sign a contract (CPCV) based on plans and make staged payments linked to construction milestones. This often offers a lower price (10-20% discount) and the ability to customize finishes. The payment schedule typically spans 18-24 months.
Get expert help with your off-plan purchase
The calculator shows you the payment schedule, but off-plan purchases require legal expertise. Our verified lawyers can review your CPCV, verify bank guarantees, and protect your interests throughout the process.
CPCV Review
Expert legal contract review
Bank Guarantee
Verify protection coverage
Developer Check
Verify developer credentials
Ready to calculate your payment plan?
Enter your property details above to see your complete staged payment schedule. Plan your cash flow and understand your financial commitments throughout the construction period.
