Prepare the file before someone asks for the papers.
A home loan in Portugal does not move without documents. Minha Terra builds that list for your household — job, holders, residence, and where you are in the house search — and keeps what you already have. We do not score the loan or speak for the bank.
1. A two-minute profile
Eight short questions: email to reopen the dossier, nationality, employment type, income source, one or two holders, residence status, house budget range, and whether a CPCV exists. The list changes with these answers. We do not ask for your full bank history at this step.
2. Now versus later
There is what banks ask to start: ID, NIF, IRS, payslips or green receipts, statements, Bank of Portugal responsibilities map. And there is what only matters once a property exists: CPCV, property booklet, land registry, licence. If you are still searching, we do not block the loan pack.
3. Upload at your pace
PDF or image, up to 10 MB. Do not crop statements or IRS. You can leave slots for later. The email link reopens the list on another device.
4. A human look, when you want it
When the dossier is ready, you can ask someone to check what is missing before you talk to the bank. Price and turnaround show before you confirm. You can keep adding files.