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This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. In case of activation of the IP anonymization, Google will truncate/anonymize the last octet of the IP address for Member States of the European Union as well as for other parties to the Agreement on the European Economic Area. Only in exceptional cases, the full IP address is sent to and shortened by Google servers in the USA. On behalf of the website provider Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage to the website provider. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser. However, please note that if you do this, you may not be able to use the full functionality of this website. Furthermore you can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout?hl=en-GB.

You can refuse the use of Google Analytics by clicking on the following link. An opt-out cookie will be set on the computer, which prevents the future collection of your data when visiting this website: Disable Google Analytics.

Further information concerning the terms and conditions of use and data privacy can be found at http://www.google.com/analytics/terms/gb.html or at https://www.google.de/intl/en_uk/policies/. Please note that on this website, Google Analytics code is supplemented by "gat._anonymizeIp();" to ensure an anonymized collection of IP addresses (so called IP-masking).

We utilize the remarketing function of Google to publish our advertisements. This allows us to display our advertisements within the Google Display network to just those Internet users that have visited our website. However, in order to utilize this function we have to use small text files called cookies. These are saved on your computer, but they do not contain any kind of personal information. These cookies are used by the Google Display network to deliver our advertisements to you in the form of text or image ads. You do have the possibility to deactivate cookies used for advertising purposes. This is possible with the help of the Ad Preference manager of Google or, alternatively, via the deactivation page of the Network Advertising Initiative. Further details can be found here: https://support.google.com/analytics/answer/2700409?ref_topic=2611283&hl=en-GB".


Information and questions

If you have any questions about this data protection declaration, for instance regarding inspection or updating of your personal data, please write to the following address:

Engel & Völkers Sintra

Largo Afonso Albuquerque, 5 e 6

2710-519 Sintra

Portugal

or send an e-mail to: sintra@engelvoelkers.com

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Privacy / Disclaimer

Data Protection Declaration

By using our website, you expressly consent to the storage and use of your data described in this declaration. Your data will be used for the purposes described in detail below.

IP Addresses

IP addresses are required for problem diagnoses, website administration and demographic information. When you visit our site, we recognize only your domain name, but not your e-mail address. We only see your e-mail address if you directly give it to us by filling out a form or sending an e-mail.

Cookies

Cookies are used for personalized content, to avoid repeated password entry or to adjust the information offer to user behaviour.

User registration

Our site contains forms which you can fill out to request information. When you register, we will forward the information requested.

E-mail Addresses

If you provide us with your e-mail address, we will communicate with you via e-mail. We will not pass on your e-mail address to third parties outside of Engel & Völkers. If you no longer wish to receive e-mails from us, you can cancel this at any time.

Links to Other Sites

Our website has links to other sites of third party providers. Engel & Völkers is not responsible for the data protection measures or contents of other websites.

Opting out

If you no longer wish to receive e-mails from Engel & Völkers, you can revoke the previously granted permission at any time. E-mail notification suffices for removal from the e-mail list or web registration database.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. In case of activation of the IP anonymization, Google will truncate/anonymize the last octet of the IP address for Member States of the European Union as well as for other parties to the Agreement on the European Economic Area. Only in exceptional cases, the full IP address is sent to and shortened by Google servers in the USA. On behalf of the website provider Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage to the website provider. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser. However, please note that if you do this, you may not be able to use the full functionality of this website. Furthermore you can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout?hl=en-GB.

You can refuse the use of Google Analytics by clicking on the following link. An opt-out cookie will be set on the computer, which prevents the future collection of your data when visiting this website: Disable Google Analytics.

Further information concerning the terms and conditions of use and data privacy can be found at http://www.google.com/analytics/terms/gb.html or at https://www.google.de/intl/en_uk/policies/. Please note that on this website, Google Analytics code is supplemented by "gat._anonymizeIp();" to ensure an anonymized collection of IP addresses (so called IP-masking).

We utilize the remarketing function of Google to publish our advertisements. This allows us to display our advertisements within the Google Display network to just those Internet users that have visited our website. However, in order to utilize this function we have to use small text files called cookies. These are saved on your computer, but they do not contain any kind of personal information. These cookies are used by the Google Display network to deliver our advertisements to you in the form of text or image ads. You do have the possibility to deactivate cookies used for advertising purposes. This is possible with the help of the Ad Preference manager of Google or, alternatively, via the deactivation page of the Network Advertising Initiative. Further details can be found here: https://support.google.com/analytics/answer/2700409?ref_topic=2611283&hl=en-GB".


Information and questions

If you have any questions about this data protection declaration, for instance regarding inspection or updating of your personal data, please write to the following address:

Engel & Völkers Sintra

Largo Afonso Albuquerque, 5 e 6

2710-519 Sintra

Portugal

or send an e-mail to: sintra@engelvoelkers.com

5 things you need to know about the closing process

“The ache for home lives in all of us,” said Maya Angelou, “the safe place where we can go as we are and not be questioned.”  Finding such a sanctuary that meets all your needs at the right price and in the right location is profoundly pleasing. Even more so when your bid has been accepted and the prospect of home ownership is no longer a distant dream. Before the keys can be handed over, there is one final stage to go through, the closing process.

All you need to know about the closing process1. Gather all the paperwork

Ahead of becoming the legal owner of the property, it is essential to collate all documentation relevant to the purchase. You are recommended to do this the day before the closing date, so that no essential paperwork is overlooked. This bundle will include the loan estimate, proof of homeowners and mortgage insurance, inspection reports, flood risk appraisal, contract, inspection reports, proof of title search and the all-important 5-page Closing Disclosure. It is vital to compare the loan estimate with the Closing Disclosure to check for any discrepancies. In fact, read through everything, you would not want an inadvertent typo to hold up the whole process.

2. Walk-through inspection

Once the seller has vacated the property, you are entitled to inspect it, 24 hours before the closing date. This is to ensure that the condition is as determined in the contract and there are no unwelcome surprises. You may not have seen the property stripped bare before this point, and it is an opportunity to delay the closing if there is something amiss. An alternative would be to ask the seller to deposit funds in escrow to fund any necessary repairs.

3. Assemble at Closing Day

Representatives vary from country to country but a typical party will comprise of yourselves, (the buyer or mortgagor,) the seller, your attorney and/or agent, the seller’s attorney, a closing agent (if not the seller’s attorney), the title company representative, the seller’s real estate agent and the lender (the mortgagee). It will be the closing agent who conducts the proceedings and he or she must oversee all signing of paperwork and all payment of fees.  Professional expertise is not only helpful in this scenario, it is imperative to be able to rely on the good advice and reassurance that comes with having a qualified practitioner in the room with your best interests at heart.

4. Sign on the dotted line and seal the deal

The two sets of legal documents requiring signature are the agreement between yourself and the lender, and the agreement between yourself and the seller, transferring ownership. Take your time, read through carefully once again, and only sign when you feel confident and assured that all is in order.  Some borrowers roll the associated costs of the closing fees into the principal loan, if this is not the case, you may have to pay these costs at this juncture.

5. Take possession and move in

Once the ink has dried, there is nothing else for it but to take hold of the house-keys and walk through your own front door for the first time as the homeowner. Your only obligation now is to celebrate your good fortune and to look forward to settling in and making the house a home.

Engel & Völkers will always be able to help whenever you are looking to buy or sell a property. Our license partners are experts in every region, familiar with market conditions and local regulations. You can always turn to us for guidance through every step of the buying process.  

Engel & Völkers

Sintra
Largo Afonso de Albuquerque, 5/6
2710-519 Sintra
Portugal
Phone
+351 21 600 90 60

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Privacy / Disclaimer

Data Protection Declaration

By using our website, you expressly consent to the storage and use of your data described in this declaration. Your data will be used for the purposes described in detail below.

IP Addresses

IP addresses are required for problem diagnoses, website administration and demographic information. When you visit our site, we recognize only your domain name, but not your e-mail address. We only see your e-mail address if you directly give it to us by filling out a form or sending an e-mail.

Cookies

Cookies are used for personalized content, to avoid repeated password entry or to adjust the information offer to user behaviour.

User registration

Our site contains forms which you can fill out to request information. When you register, we will forward the information requested.

E-mail Addresses

If you provide us with your e-mail address, we will communicate with you via e-mail. We will not pass on your e-mail address to third parties outside of Engel & Völkers. If you no longer wish to receive e-mails from us, you can cancel this at any time.

Links to Other Sites

Our website has links to other sites of third party providers. Engel & Völkers is not responsible for the data protection measures or contents of other websites.

Opting out

If you no longer wish to receive e-mails from Engel & Völkers, you can revoke the previously granted permission at any time. E-mail notification suffices for removal from the e-mail list or web registration database.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. In case of activation of the IP anonymization, Google will truncate/anonymize the last octet of the IP address for Member States of the European Union as well as for other parties to the Agreement on the European Economic Area. Only in exceptional cases, the full IP address is sent to and shortened by Google servers in the USA. On behalf of the website provider Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage to the website provider. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser. However, please note that if you do this, you may not be able to use the full functionality of this website. Furthermore you can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout?hl=en-GB.

You can refuse the use of Google Analytics by clicking on the following link. An opt-out cookie will be set on the computer, which prevents the future collection of your data when visiting this website: Disable Google Analytics.

Further information concerning the terms and conditions of use and data privacy can be found at http://www.google.com/analytics/terms/gb.html or at https://www.google.de/intl/en_uk/policies/. Please note that on this website, Google Analytics code is supplemented by "gat._anonymizeIp();" to ensure an anonymized collection of IP addresses (so called IP-masking).

We utilize the remarketing function of Google to publish our advertisements. This allows us to display our advertisements within the Google Display network to just those Internet users that have visited our website. However, in order to utilize this function we have to use small text files called cookies. These are saved on your computer, but they do not contain any kind of personal information. These cookies are used by the Google Display network to deliver our advertisements to you in the form of text or image ads. You do have the possibility to deactivate cookies used for advertising purposes. This is possible with the help of the Ad Preference manager of Google or, alternatively, via the deactivation page of the Network Advertising Initiative. Further details can be found here: https://support.google.com/analytics/answer/2700409?ref_topic=2611283&hl=en-GB".


Information and questions

If you have any questions about this data protection declaration, for instance regarding inspection or updating of your personal data, please write to the following address:

Engel & Völkers Sintra

Largo Afonso Albuquerque, 5 e 6

2710-519 Sintra

Portugal

or send an e-mail to: sintra@engelvoelkers.com


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