跟大家探讨一下怎样开立葡萄牙银行账户，不在葡萄牙怎样付楼款等问题。我找来资深律师跟大家详细讲解，访问时在车上进行的，因为我约了律师去帮客户看楼房并约见做翻新工程的建筑公司，确定客户可以申请350K黄金签证，这个我会在客户同意后再推出短片跟大家讲解，敬请留意！所以我们把握时间，在车上完成访问。我们现在立刻去片，看看律师怎样回答几个重要问题。
一、在里斯本开立银行账户的步骤是什么？
二、客户可以自行操作使用自己的银行帐户吗？
三、客户不在葡萄牙，如何怎样付各种费用和楼款？
四、除了客户，还有什么人可以访问或操作该银行帐户，例如律师可以吗？

Arcada Imobiliária (Lisbon Branch) Real Estate license: AMI 16806
Address: Rua Braamcamp, 9 – Rés do Chão C, 1250-048 Lisbon Portugal

WhatsApp: +351 912140897

Email: evanam@arcada.com.pt

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What are the necessary steps of getting a bank account in Lisbon?

The first step is to get a fiscal number. Because everything you have to do in Portugal starts with that. You are unable to do anything if you do not have a fiscal number. So we will request the fiscal number and we have to be the fiscal representative of the client in Portugal. The moment we have the fiscal number and we get all the documents that the bank requests, we will present the client to the bank manager. He will check the documentation. The documentation is your ID document, profession document, tax document and financial documents. All the documents go to the compliance of the bank to check if everything is OK. If the bank confirms that everything is OK, we go forward to the signature of documents to open the bank account. If you are not in Portugal, we are able to send the documents for the documents to be recognized on the country of origin, and then the documents are sent to Portugal and the bank account is opened. So it can take one to three weeks to open the bank account. That is the procedure.

Does the clients have access to their bank accounts?

They have access to their bank accounts and they have home banking. One of the documents the bank manager sent is to initiate the home banking. So it means that in any places of the world, you can control your bank account. You can check any minutes what is happening in your bank account. At any minutes you can do a transfer without needing to contact your bank manager, you just do in on your home computer the transfer from your bank account in Portugal.

He does the payment through the bank account. If he pays taxes, we will send the details to do the payment through home banking. So he pays the amount separately. If he is not in Portugal in the moment of paying the total amount of the price, he will request the bank to issue a bank cheque and the bank cheque is a document that has the name of the client and the name of the seller. So to be sure of the total amount the amount that goes to the public deed have a title to give to the seller. So the seller knows that the money is there. So from the moment the cheque is issued, that money is like a warranty until the moment of public deed no one can pick up that cheque besides the seller.

For each payment regarding the public deed, a documents is issued, you have the property that has a price, you have the property purchase tax and the tax office issues a document with the amount, you have the amount that you pay to the notary with an invoice, so all the payments are related directly to documents that prove the payment needs to be done or it was done because the moment you get to the public deed you will have to have the cheque for the seller, you have property transfer tax paid, stamp duty paid, these three documents in this case your clients, has to have them solved it out before the moment of public deed. And the cheque only passes the money the moment we give the money to the seller of course it is there kept for the seller but the seller only can use it after signing and sell the property. We won’t give him the cheque before the signature of public deed.

So for the bank account, only the clients have access to the bank account, even you the lawyers do not have the access to clients’ bank account.

No, no no no. This is something I think … some lawyers can … we can do it if clients want that it could be done. But as for me, I try for the client to be independent, and will be able to move his bank account without needing us. Because it’s a responsibility of his bank account. So what we do is we help him to open the bank account, we explain everything if clients have doubts how to do transfer how to do home banking if the bank manager is not available. We can help them. But we are unable to see or to check his bank account that’s something we do not do. That does not mean other lawyers do not say they can do it because it is possible to do but we prefer not to well I do not do it.

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