Portugal’s 2025 rental reform is a game-changer for tenants.For the first time, renters can now declare and register a lease contract directly with Finanças, even if the landlord refuses to do it. This change, introduced by Portaria n.º 106/2025/1, provides renters with greater protection, tax benefits, and legal standing.
Here’s everything you need to know.
What Is the New Rental Law in Portugal?
On June 13, 2025, Portaria n.º 106/2025/1 came into effect. It allows tenants and subtenants to register a rental contract online through the Finanças portal, if the landlord has failed to do so within the legal deadline.
This is a key step in improving housing transparency and protecting tenant rights.
When Can Tenants Register the Rental?
Tenants can only register the lease after the landlord's deadline has passed.
Legal Registration Timeline:
Landlords have until theend of the following month after the lease start dateto declare the contract.
Example:
- Lease starts: October 1, 2026
- Landlord deadline: November 30, 2026
- Tenant can register from: December 1, 2026
You must wait until thefirst day afterthe landlord’s legal window ends.
How to Check if Your Lease Was Already Registered
Before registering it yourself, check whether your landlord has already done so. Check if your rental contract is registered (Finanças portal).
How to Register a Rental Contract Yourself (2025 Guide)
Step 1: Log into the Finanças Portal
Step 2: Go to the Rental Declarations Area:Tenant Registration Portal (Inquilinos) -Click “Comunicar” to start the registration.
Step 3: Fill in Contract Information
- Contract Reference:Any label to help you identify the lease.
- Contract Type:Regular rental (most common), Sublease, Promise of lease (rare)
- Purpose:Permanent residence (1+ year), Temporary residence, Commercial or other
- Dates:Start date, End date, Check if renewable
- Property Location:Choose from dropdowns, Urban or Rustic, Property article number (optional if address is entered), dd floor, postcode, and full address
- Landlord Information:Add each landlord’s NIF (Tax Number)
- Tenant Information:Enter your own NIF (Tax Number)
- Monthly Rent:Specify the amount and payment frequency.
Step 4: Upload the Rental Contract: Attach a PDF or image of the signed lease.
Step 5: Submit
Do I Have to Pay Taxes or Fees?
Is Stamp Duty Required?
Yes. All rental contracts in Portugal must include Imposto do Selo (Stamp Duty).
How Much Is It?
10% of one month’s rent × number of years in the lease. Example:
- Rent: €900/month
- Contract: 1 year
- Stamp Duty = €90
How Do I Pay It?
Once submitted, you’ll receive a payment reference number. Pay via:
- Multibanco (ATM)
- Online banking
- Finanças Portal
If you don’t pay, the registration may become invalid, and late fees or fines could apply.
Benefits of Registering the Lease as a Tenant
Why Should I Register It Myself?
- You get legal proof of residence
- Declare rent as a tax-deductible expense
- Support visa and residency applications (D7, Digital Nomad, Golden Visa)
- Access rental support programs (like Porta 65)
- Ensure your rights as a tenant are legally protected
IRS Rent Deduction Caps:
- 2025: Up to €700
- 2026: Up to €750
- 2027: Up to €800
Will This Affect My Landlord?
Does the Landlord Now Have to Pay Tax?
Yes. Once the lease is registered, Finanças can track undeclared rental income, and the landlord may be required to pay taxes owed.
This is not your responsibility. You are complying with the law.
Could This Cause Conflict with the Landlord?
Yes,some landlords may object,especially if they were avoiding taxes. However:
- Retaliatory eviction is illegal under Portuguese law
- If you have signed a contract and pay rent, you are protected
Here’s What to Do
- Keep all proof of payment and written communication
- Consult a lawyer, relocation consultant, or tenant association
- Report harassment to housing authorities or Finanças
If your rental contract in Portugal isn’t registered, you now have the legal right to do it yourself. Whether you’re an expat, digital nomad, or long-term resident, registering your lease helps you stay legal, protect your rights, and access benefits.
Don’t wait, check your contract today and take control of your rental situation.
