You finally found "that" house. The light is perfect, the location is exactly what you wanted, and the price makes sense. But now comes the part that makes many buyers’ blood run cold: the bureaucracy. This is where the CPCV (Promissory Purchase and Sale Agreement) comes in—the document that separates an "intention" from a "closed deal."
Although it is not mandatory by law, at TeamQASA, we don’t look at it as an extra. To us, the CPCV is your life insurance until the day of the deed (escritura). It is the way to ward off other interested parties and ensure the rules of the game don't change halfway through.
We, at TeamQASA, take care of all the details that are our responsibility, ensuring that the contract is not just a signed piece of paper, but a legal armor that protects your investment.
The "X-Ray" of what should be in your contract
To ensure your CPCV has legal weight and truly protects you, we don't take shortcuts. These are the points we verify in detail:
Your identification and the seller's: Full name, ID Card (CC), Tax Number (NIF), marital status, and address. No errors, no mix-ups.
The Property's DNA: It’s not enough to say it’s "an apartment." It must state the exact location, the typology, the tax matrix registration, and the land registry description. If it has a garage, storage room, or pool, it must be written there.
Timeline and Deadlines: No "we’ll see." We define the deadline for the public deed so you can plan your move calmly.
The Value and the Deposit (Sinal): The final price and the amount you hand over as a guarantee.
Protection Clauses: We guarantee that the property will be delivered to you free of any liens or encumbrances. This means you won’t inherit anyone else's mortgages or pledges.
Important Tip: A detail many forget is the Usage License (Licença de Utilização). It is part of our responsibility at TeamQASA to verify if this document is in order (or if it was properly requested from the Council) to prevent you from buying a problem instead of a home.
The Sinal: Your "commitment" in euros
The deposit is usually the slice that the bank does not finance (the famous "down payment"), typically ranging between 10% and 20%.
If the seller backs out: They must return the deposit to you in double.
If you back out: The seller has the right to keep the deposit amount.
That is why the math must be done correctly from day one. Besides the deposit, we help you forecast the cost of IMT and Stamp Duty, so your budget doesn’t suffer last-minute slippages.
The TeamQASA difference: We sweat the details for you
Signing a contract like this without validating the "ground" is a risk you don't need to take. Before you put down your signature, we check:
Condo Minutes: Are there overdue fees? Are there giant roof repairs planned that you’ll have to pay for in two months?
Habitability: Water, light, sewage... is everything working as promised?
Custom Clauses: If you need credit approval, that condition must be in the contract to protect your deposit in case the bank says no.
While you choose where the sofa goes, TeamQASA takes care of all the technical and administrative components that fall to us. Our goal is that, on the day of the deed, the only thing you feel is the happiness of opening the door to your new home.
Documentation Checklist (Pre-CPCV)
| Document | What is it for? | What we validate |
| Land Registry Certificate (Certidão de Teor) | The house's "ID card." | We check if the seller is the true owner and if there are active mortgages or liens. |
| Tax Booklet (Caderneta Predial) | Tax Authority document. | We confirm if the property value and taxes (IMI) are up to date and if the description matches reality. |
| Usage License | Proof the house is legal. | We ensure the house can be lived in and wasn't built illegally or without Council authorization. |
| Property Plans | The house's layout. | We check if "clandestine" works were done that aren't in the original project. |
| Energy Certificate | Evaluates efficiency. | Mandatory by law. We check validity and energy class (vital for your future comfort and costs). |
| Technical Housing File | Construction details. | (For post-2004 properties) We check materials and equipment warranties. |
| Condo Declaration | Status of the accounts. | We confirm if the seller has debts to the condo or if there are approved works you'd have to pay for. |
Where does TeamQASA come into action?
While you focus on imagining where every piece of furniture will go, we handle the scrutiny of these documents. Our responsibility includes:
Cross-referencing information: Ensuring what is at the Tax Office matches the Land Registry.
Risk Analysis: If there is an old mortgage that hasn't been canceled, we ensure that is resolved before the deed.
Contract Protection: We draft the clauses that protect you if any of these documents have an irregularity that prevents the deal.
Important: If you are applying for credit, you also need to have your "Approval Letter" or FINE (Standardised European Information Sheet) from the bank. We ensure the CPCV includes a safeguard clause so that if the bank fails, you don't lose your deposit.