NOTE: For information on how an owner can register the contract, click here.
From today, tenants may officially declare rental contracts to Finanças if the owner doesn’t do so, due to the fact that the ordinance Portaria n.º 106/2025/1, de 13/03 comes into effect, and it is now possible for a tenant to log on to the Finanças portal and declare a rental contract, without the intervention of the landlord.
It’s important to note, however, that this can only be done on the day following the legal period the owner has to register the contract themselves.
Example: The rental contract starts on 1st October 2026. The owner can register the contract until the last day of the month following that of the start of the lease, meaning that in this example, the owner can register the contract until the 30th November. If this isn’t done, on 1st December 2026, the tenant can do it.
It’s possible to check if the owner has registered the contract at this link, after the tenant has logged on to the Finanças portal: https://imoveis.portaldasfinancas.gov.pt/arrendamento/consultarContratos/locatario?
If necessary, the tenant registration can then be done from the following link: https://imoveis.portaldasfinancas.gov.pt/inquilinos/
To register a new contract, click the Comunicar button, and the next screen appears with the options below:
Referência: Any name you wish, to easily identify the contract
Tipo: Arrendamento for a rental (most common option), Subarrendamento for a sub-lease, and Promessa for a rental promise (this option is not common)
Finalidade: Habitacional (permanente) for a permanent residence of 1 year or more, Habitacional (Não Permanente) for a temporary residence of less than 1 year, or Não Habitacional for commercial or other types of contracts.
Data de Início and Data de Termo are the start and end dates, and you can specify Renovável for renewable contracts.
Distrito, Concelho and Freguesia are drop-down menus to specify the location of the property.
Tipo is either Urban or Rustic
Artigo, is the article number specified at the tax office and available on the Caderneta Predial. The form allows you to register the contract without this option, because once the location is specified, further fields become available and you can specify the exact address of the property, including floor number, post-code, etc.
Locadores (Senhorios): In this section you can specify one or more owners, by indicating their fiscal numbers (NIFs)
Locatários (Inquilinos): The tenant(s) is/are specified here, again using the NIF number.
Renda: The monthly rental amount is specified here.
Once the form is complete, click the GUARDAR RASCUNHO button and then COMUNICAR. The contract should be attached to the registration, if possible.
This rental contract communication is particularly useful when an owner hasn’t properly registered the contract, but the tenant needs the registration for visa purposes, to deduct rental payments from the IRS income tax declaration (up to 700 euros this year, 750 euros in 2026 and up to 800 euros in 2027), and for some tenants to benefit from specific subventions such as the Porta 65 program.