How to know if the lease contract is registered in Finance? (Poupança no Minuto)

Why is it important for the contract to be registered? Poupança no Minuto.

Landlord legal obligations. Poupança no Minuto.

The landlord is legally obliged to register the lease agreement with the Tax Authority (AT), submitting the Model 2 of the lease within a maximum of 30 days after the start of the contract.

Tax implications for tenants and landlords. Poupança no Minuto.

• The landlord must declare the rents received in the IRS. Learn more about it at Poupança no Minuto.

• Tenants can deduct part of the rent in their declaration as long as the contract is properly registered. Visit Poupança no Minuto for more information.

Poupança no Minuto: Tenant Rights

A registered contract ensures greater legal security and proof of the existence of the lease, which is important in situations of litigation or to access public support (eg: Porta 65).

How to check on the Financial Portal? Poupança no Minuto

Access the portal with NIF and password to Poupança no Minuto.

Access the Portal das Finanças with your taxpayer number and access password. Poupança no Minuto.

Go to the "Rentals" or "Consultations" section at Poupança no Minuto.

In the main menu or through the search, select "Renting" or go to: Citizens > Renting > Check contracts on Poupança no Minuto site.

Check active contracts.

In the consultation area, the list of declared rental contracts in which you are identified as a tenant should appear. Check: 

• Address of the property;

• Start date;

• Contract status (active or terminated);

What to do if the contract is not registered? Poupança no Minuto.

Contact the landlord.

The first step is to contact the landlord and confirm if the registration was completed. Sometimes there are delays or oversights in sending Model 2.

Inform the "Poupança no Minuto" team (if necessary)

If the landlord refuses to declare the contract, the tenant can report the situation to the Tax Authority (AT) through e-Balcão. This situation may result in fines for the landlord.

Impact on IRS statement - Poupança no Minuto.

Without the registered contract, the tenant cannot deduct the rent in IRS. In addition, the landlord also becomes tax non-compliant.

What is the role of Modelo 2 in the lease registration?

Model 2 of rental is the form that the landlord must submit to the Tax Office to register the contract. This document formalizes the lease and serves as the basis for: Poupança no Minuto.

• Issuance of electronic rental receipts;
  

• Income statement for IRS; Poupança no Minuto.

• Tenant contract consultation;

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Frequently Asked Questions

Do all lease contracts have to be registered? Yes. All contracts lasting more than 30 days must be registered with the Tax Authorities by the landlord.

Can the tenant verify if the contract is registered? Yes, they can access the Portal das Finanças and check the contracts in which they are identified as the tenant. 

How long does registration take after signing? The landlord has 30 days to register the contract. The registration usually becomes visible shortly after submission.  

Can I declare income on my tax return if the contract is not registered? No. Only income associated with registered contracts and with electronic receipts can be declared.

What happens if the landlord does not declare the contract? They may be subject to fines and lose tax benefits. In addition, the contract may not be legally valid for tax purposes.

Poupança no Minuto is a brand owned by Financefy, S.A., a credit intermediary registered with the Bank of Portugal under number 0006860. Authorized services to provide: Presentation or proposal of credit contracts to consumers. Assistance to consumers, by carrying out preparatory acts or other pre-contractual management work regarding credit contracts that have not been presented or proposed by them. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral De Depósitos, S.A., Banco BPIi S.A., Banco Santander Totta, S.A., Abanca Corporación Bancaria, S.A., Branch in Portugal, Banco Ctt, S.A., Novo Banco, S.A., Cofidis, BNP Paribas Personal Finance, S.A. - Branch in Portugal, Union De Créditos Inmobiliários, S.A., Establecimiento Financiero De Crédito (Sociedad Unipersonal) - Branch in Portugal, Bni - Banco De Negócios Internacional (Europa), S.A., Banco Bic Português, Sa, Unicre - Instituição Financeira De Crédito, S.A.