{"id":43649,"date":"2026-07-28T10:39:26","date_gmt":"2026-07-28T09:39:26","guid":{"rendered":"https:\/\/www.lica.ch\/?p=43649"},"modified":"2026-07-28T11:35:37","modified_gmt":"2026-07-28T10:35:37","slug":"loan-to-buy-in-portugal-how-to-finance-your-property","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/","title":{"rendered":"Loan to Buy in Portugal: How to Finance Your Property"},"content":{"rendered":"

Getting a loan to buy property in Portugal from Switzerland has never been easier. However, tax rules changed significantly in 2026. Prices, meanwhile, continue to rise. In fact, the national median price reached \u20ac3,156 per square meter in June 2026. This represents an 8.9 % increase year-over-year. Furthermore, the Algarve set a record at \u20ac4,069 per square meter. It\u2019s important to note that a new real estate transfer tax now applies to non-resident buyers. This tax amounts to 7.5 %. In this article, we\u2019ll review the current legal framework and the regions based on your objectives. Next, we\u2019ll detail the current benefits and the two financing structures for real estate loan<\/a> Finally, we will break down the costs and walk through a specific case from start to finish.<\/p>\n\n\n\n

Buying in Portugal when you live in Switzerland, what really applies<\/h2>\n\n\n\n

Unlike Switzerland and its Lex Koller<\/a>, Portugal imposes no restrictions on foreign buyers. Thus, a non-resident can freely acquire property, regardless of their passport, without prior authorization. However, three formalities remain essential. First, you must obtain a NIF<\/a> (Portuguese tax number). Then, you designate a fiscal representative in Portugal<\/a> if you reside outside of the EU\/EEA. Finally, you open a local bank account to pay taxes, charges, and the condominium fees.<\/p>\n\n\n\n

What has changed and is still widely misread<\/h3>\n\n\n\n
Widespread misconception<\/th>Reality 2026<\/th><\/tr><\/thead>
\u00abThe NHR status exempts foreign investors.\u00bb<\/td>The NHR is closed to new entrants. It is replaced by the IFICI (\u00abNHR 2.0\u00bb), which is reserved for certain qualified activities and is conditional on transferring tax residency to Portugal. A Swiss resident who remains in Switzerland is not eligible for it.<\/td><\/tr>
\u00abReal estate opens the Golden Visa\u00bb<\/td>Real estate is no longer an eligible path as of October 2023.<\/td><\/tr>
\u00abNon-residents pay the same IMT as Portuguese citizens\u00bb<\/td>True through August 31, 2026. False as of September 1, 2026: flat rate of 7.5 % (DL 97\/2026<\/a>).<\/td><\/tr>
\u00ab"Portuguese banks provide 80 % in financing"\u00bb<\/td>80 % is the theoretical cap. In practice, non-residents are capped at 60\u201370 % of the lower of the purchase price or the appraised value.<\/td><\/tr>
\u00ab"A Swiss loan is capped at 250,000 CHF"\u00bb<\/td>False. At Lica, there is no maximum loan amount: the only limit is the customer\u2019s borrowing capacity.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Swiss nationality or Swiss permit, two different situations<\/h3>\n\n\n\n

A Swiss, EU\/EEA national benefits from freedom of movement and can reside in Portugal without a visa. A holder of a Swiss permit<\/a> A third-country national can shop just as freely. However, settling in Portugal subsequently requires a Portuguese residence permit. This distinction applies to a significant portion of the clientele served by Lica.<\/p>\n\n\n\n

The exception that changes everything, the two-year rule<\/h3>\n\n\n\n

However, the 7.5 % rate is reduced if the purchaser becomes a tax resident in Portugal. This period applies for the two years following the acquisition. This point is crucial for \u00ab Sunny retirement<\/a> \u00bb and for the Portuguese diaspora in Switzerland preparing a return. A second exemption route exists via the assignment of the property for low-rent housing: it deserves case-by-case validation with advice.<\/p>\n\n\n\n

\n

Key points:<\/strong> Two buyers, same apartment priced at \u20ac300,000. The buyer who moves to Portugal within two years pays approximately \u20ac11,700 in IMT (3.9% effective rate). The one who remains a Swiss resident pays \u20ac22,500 (7.5% effective tax rate). The difference\u2014nearly \u20ac10,800\u2014is determined at the time of purchase, not afterward.<\/p>\n<\/blockquote>\n\n\n\n

Which regions to favor based on your objective<\/h2>\n\n\n\n

Portugal is not just the Algarve. The right choice of region depends above all on your investment objective, which is what most competing content overlooks.<\/p>\n\n\n\n

Region<\/th>Median price<\/th>Dominant objective<\/th>Highlights<\/th>Points to watch<\/th><\/tr><\/thead>
Algarve (Faro)<\/td>\u2248 \u20ac4,069\/m\u00b2<\/td>Seasonal rental + capital gain<\/td>300 sunny days, high demand for rental properties, expatriate community<\/td>High entry price, AL bottleneck areas, seasonality<\/td><\/tr>
Greater Lisbon<\/td>\u2248 \u20ac<\/td>Capital gains + long-term lease<\/td>Maximum liquidity, deep market<\/td>Low gross yield, high entry ticket<\/td><\/tr>
Porto & North<\/td>\u2248 4,053 \u20ac\/m\u00b2<\/td>Urban location, students<\/td>Best price\/performance ratio compared to Lisbon<\/td>More regulated local AI market<\/td><\/tr>
Set\u00fabal \/ Comporta<\/td>\u2248 3360 \u20ac\/m\u00b2<\/td>High-end second home<\/td>Proximity to Lisbon, strong appreciation<\/td>Limited offer, low liquidity<\/td><\/tr>
Madeira (Funchal)<\/td>\u2248 \u20ac3,921\/sq m<\/td>Location and residence<\/td>Direct flights Zurich\/Geneva, annual climate<\/td>Niche island market<\/td><\/tr>
Silver Coast \/ Centre<\/td>Below the median<\/td>Performance \/ contained budget<\/td>Low entry price, strong appreciation (Leiria +17.7 1Q19)<\/td>Shorter season, less international demand<\/td><\/tr>
Interior (Guarda, Portalegre)<\/td>Less than \u20ac100\/m\u00b2<\/td>Retirement, family ties<\/td>Very low entry cost<\/td>No rental potential, slow resale<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

The specific case of the Portuguese diaspora in Switzerland<\/h3>\n\n\n\n

Many buyers are targeting properties in their region of origin rather than for rental yield (North, Center, Beira). Indeed, the reasoning remains patrimonial and familial. For these rural or old properties of low value, the personal loan Switzerland<\/a> is often the only solution. Portuguese banks do not provide adequate financing for these purchases. Furthermore, the fixed costs associated with a mortgage application become disproportionately high for amounts under \u20ac100,000. Swiss 100 % financing is therefore less expensive, all fees included. It also avoids the stamp tax on the loan, the appraisal fee, and the mandatory life insurance.<\/p>\n\n\n\n

Three criteria that take precedence over the region<\/h3>\n\n\n\n

First, the Local Accommodation (AL) license. Since the DL 76\/2024<\/a>, licenses no longer expire and are transferred with the property. Therefore, a property already licensed in a containment zone benefits from a real premium. Next, the VPT (fiscal property value). The IMT is calculated on the higher of the declared price and the VPT. Therefore, check this amount before signing the reservation. Finally, airport access from Geneva, Zurich, or Basel. This criterion determines both your personal use and the rental occupancy rate.<\/p>\n\n\n\n

The real advantages of buying in Portugal in 2026<\/h2>\n\n\n\n

Expired arguments (RNH, Golden Visa) are behind us. Five tangible benefits remain in 2026.<\/p>\n\n\n\n

    \n
  1. A price dynamic that remains strong.<\/strong> The median price of homes sold<\/a> reached \u20ac2,337 per square meter in Q1 2026, up 19.8% year-over-year (INE), driven by a structural imbalance between supply and demand.<\/li>\n\n\n\n
  2. A rental yield that Switzerland no longer allows.<\/strong> In the Algarve, a well-located one-bedroom apartment rents for \u20ac240 to \u20ac300 per night during peak season, generating \u20ac20,000 to \u20ac30,000 in annual income, whereas a Swiss investment property yields a maximum of 3 % net.<\/li>\n\n\n\n
  3. A stabilized aluminum frame.<\/strong> DL 76\/2024 abolished the extraordinary contribution, license obsolescence, and quinquennial reauthorization. Scarcity now benefits license holders.<\/li>\n\n\n\n
  4. Low holding tax.<\/strong> The annual IMI ranges from 0.3 to 0.45 % of the property\u2019s market value, often amounting to \u20ac250 to \u20ac400 per year for a one-bedroom apartment, with no general wealth tax (AIMI applies only to properties with a VPT exceeding \u20ac600,000).<\/li>\n\n\n\n
  5. A strong franc and incomparable operating costs.<\/strong> With an EUR\/CHF ratio of 0.93, purchasing power for Swiss real estate remains high, and expenses, works<\/a> and management cost a fraction of Swiss prices.<\/li>\n<\/ol>\n\n\n\n
    \n

    Honesty framework<\/strong> What you won\u2019t hear elsewhere. The non-resident IMT is 7.5 %, the actual LTV is capped at 70 %, and the first few years of a leveraged transaction generate negative cash flow. An investment in Portugal is excellent, but it does not provide immediate passive income.<\/p>\n<\/blockquote>\n\n\n\n

    Credit to buy in Portugal, the two possible setups from Switzerland<\/h2>\n\n\n\n

    From Switzerland, the real question is less about your right to buy and more about the financing secured. Indeed, the personal loan Switzerland<\/a> It offers a fixed rate of 4.9 %, with no maximum amount. It therefore directly competes with the Portuguese mortgage at a variable rate of 4.2 %. As a result, choosing the right structure is no longer a given\u2014it has become a matter of weighing the options.<\/p>\n\n\n\n

    Why equity is the real obstacle<\/h3>\n\n\n\n

    Portuguese banks use the lower of the purchase price and the appraised value. The LTV for non-residents is capped at 60\u201370 % in practice; the maximum term is 30 years, and the debt-to-income ratio is limited to 30\u201335 % of net income. Specifically, for a property valued at \u20ac300,000, you must come up with \u20ac90,000 in equity<\/a> and approximately \u20ac29,000 in fees, or nearly 40 % of the cash price. That is where the real sticking point lies.<\/p>\n\n\n\n

    Structure 1: Swiss personal loan for equity and a Portuguese mortgage<\/h3>\n\n\n\n

    The mechanic unfolds in five steps. First, you perform A capacity study in Switzerland<\/a>. This calculation includes the cost of the future mortgage. Next, you receive the Swiss fixed-rate personal loan, paid out in CHF. Then you transfer the funds in euros to the Portuguese account. Be aware that the currency exchange spread often costs more than 0.1 % in interest. Next comes the Portuguese mortgage pre-approval, thanks to the verifiable equity you already have. Finally, the escritura is executed, and the two loans run concurrently.<\/p>\n\n\n\n

    Benefits<\/th>Limits<\/th><\/tr><\/thead>
    Lowest long-term monthly payment (the personal loan plan ends, but the mortgage remains)<\/td>Two simultaneous charges for 5 to 8 years<\/td><\/tr>
    Natural hedging of foreign exchange risk: 70 % of the debt is denominated in euros, as are the property and rent payments<\/td>Euribor exposure on 70 % debt<\/td><\/tr>
    Preserves cash flow and allows for a second investment<\/td>The personal loan is registered with the ZEK and affects any subsequent Swiss mortgage application<\/td><\/tr>
    Maximum leverage<\/td>Longer file: 8 to 12 weeks, expertise, mandatory life insurance<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Scenario 2: A loan to buy property in Portugal at 100 % from Switzerland<\/h3>\n\n\n\n

    This arrangement is based on a cash purchase fully financed by personal loan Switzerland. There is no upper limit on the amount: the only limit is your borrowing capacity<\/a>. On a property valued at \u20ac300,000, it eliminates the stamp tax on the loan (0.6% %), the bank appraisal fee, the application fee, and the mandatory life insurance, resulting in direct savings of approximately \u20ac2,100. The closing time is reduced to 3\u20134 weeks. Most importantly, it gives the buyer the negotiating power of a cash buyer: a discount of 5 to 10 %\u2014equivalent to \u20ac15,000 to \u20ac30,000 on a \u20ac300,000 property\u2014is regularly obtained, well beyond the interest rate differential. No exposure to the Euribor, as the rate is fixed for the entire term.<\/p>\n\n\n\n

    The trade-off must be stated clearly: higher monthly payments, debt capacity pushed to its limit, and 100 % of the debt denominated in CHF, even though the property and rent are in euros. This is the real weakness of this arrangement.<\/p>\n\n\n\n

    Swiss fixed rate versus Portuguese variable rate, the calculation that no one does<\/h3>\n\n\n\n

    The Portuguese mortgage at 4.2 % is a variable-rate mortgage indexed to The Euribor 6<\/a> months (2,596 %). However, The ECB raised its deposit rate<\/a> to 2.25 % on June 18, 2026\u2014the first increase since 2023. If the 6-month Euribor rises by one point, the monthly payment on a 25-year, \u20ac210,000 loan will rise from \u20ac1,132 to \u20ac1,252\u2014an increase of \u20ac120 per month and \u20ac36,000 over the life of the loan. The Swiss personal loan at 4.9% versus the % fixed rate, however, remains unchanged. The initial spread is only 0.7 points: the price of certainty is low.<\/p>\n\n\n\n

    \n

    Method Lica:<\/strong> You don\u2019t choose a rate; you choose a risk profile. 4.2 % variable in euros or 4.9 % fixed in francs\u2014that\u2019s not a 0.7-point difference; those are two different exposures to interest rate risk and currency risk. The right answer depends on your investment horizon and the currency in which you receive your income.<\/p>\n<\/blockquote>\n\n\n\n

    Do not forget the Swiss tax aspect.<\/h3>\n\n\n\n

    Portuguese assets are tax-exempt in Switzerland but taken into account for determining the tax rate (progression), according to the double taxation convention<\/a>. It must be declared for wealth and income. Debts and passive interest<\/a> are allocated proportionally between Swiss and foreign assets: a portion of the interest from personal loan will therefore not be deductible in Switzerland, a factor to be taken into account when calculating the net return. In Portugal, a non-resident\u2019s rental income is subject to a flat-rate withholding tax of 25 % under Category F, while rental income falls under Category B under the simplified regime.<\/p>\n\n\n\n

    The fee schedule, what a \u20ac300,000 purchase really costs<\/h2>\n\n\n\n
    Post<\/th>Calculation basis<\/th>With mortgage<\/th>Cash purchase<\/th><\/tr><\/thead>
    Acquisition price<\/td>\u2014<\/td>300 000 \u20ac<\/td>300 000 \u20ac<\/td><\/tr>
    IMT non-resident (from 09\/01\/2026)<\/td>7.5 % of the price<\/td>22 500 \u20ac<\/td>22 500 \u20ac<\/td><\/tr>
    Stamp duty \u2014 acquisition<\/td>0.8 % of the price<\/td>2 400 \u20ac<\/td>2 400 \u20ac<\/td><\/tr>
    Stamp Duty - Mortgage<\/td>0.6 % of \u20ac210,000<\/td>1 260 \u20ac<\/td>\u2014<\/td><\/tr>
    Notary and registration<\/td>package<\/td>900 \u20ac<\/td>900 \u20ac<\/td><\/tr>
    Lawyer<\/td>package<\/td>1 500 \u20ac<\/td>1 500 \u20ac<\/td><\/tr>
    Banking expertise<\/td>package<\/td>300 \u20ac<\/td>\u2014<\/td><\/tr>
    Bank processing fee<\/td>package<\/td>520 \u20ac<\/td>\u2014<\/td><\/tr>
    Total Acquisition Costs<\/strong><\/td><\/td>29 380 \u20ac<\/strong><\/td>27 300 \u20ac<\/strong><\/td><\/tr>
    As a percentage of the price<\/strong><\/td><\/td>9,8 %<\/strong><\/td>9,1 %<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Three useful clarifications. Agency fees are generally borne by the seller in Portugal. The VPT can cause the IMT calculation base to be exceeded: to be verified before booking. New from DL 97\/2026<\/a>, the IMT is no longer due on the day of the deed but within 30 days of the payment guide.<\/p>\n\n\n\n

    Recurring Costs (T2 Algarve)<\/th>Annual amount<\/th><\/tr><\/thead>
    Condominium Fees (condom\u00ednio)<\/td>600 \u20ac<\/td><\/tr>
    IMI<\/td>250\u2013400 \u20ac<\/td><\/tr>
    Insurance<\/td>\u20ac450\u2013700<\/td><\/tr>
    Energy, water, internet<\/td>1,200 \u2013 1,600 \u20ac<\/td><\/tr>
    Rental Management (if applicable)<\/td>15\u201320 % of revenue<\/td><\/tr>
    Maintenance and Renewal<\/td>\u20ac800\u20131,200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Two numbered examples side by side<\/h3>\n\n\n\n

    Common assumptions: Property valued at \u20ac300,000, buyer is a Swiss tax resident, EUR\/CHF at 0.93, Portuguese mortgage at 4.2% % variable over 25 years, Swiss mortgage at 4.9% % fixed. The amounts are provided for illustrative purposes only and must be verified through a simulation.<\/p>\n\n\n\n

    Option A \u2014 Mixed (70\/30)<\/th>Option B \u2014 100 Swiss % (15-year)<\/th><\/tr><\/thead>
    Monthly payment for years 1\u20137: 2,673 CHF<\/td>Fixed monthly payment: 2,396 CHF<\/td><\/tr>
    Monthly payment for years 8\u201315: 1,053 CHF<\/td>2,396 CHF<\/td><\/tr>
    Monthly payment for years 16\u201325: 1,053 CHF<\/td>0 CHF (available starting in year 15)<\/td><\/tr>
    Total reimbursed: \u2248 451,800 CHF<\/strong><\/td>Total reimbursed: \u2248 431,300 CHF<\/strong><\/td><\/tr>
    Type of rate: 70 % variable (Euribor)<\/td>100 % fixed<\/td><\/tr>
    Currency risk: low (debt in EUR)<\/td>High (debt ratio of 100:1 in % compared to CHF)<\/td><\/tr>
    Acquisition costs: \u20ac29,380<\/td>27 300 \u20ac<\/td><\/tr>
    Cash buyer discount: no<\/td>Yes, 5 to 10 %<\/td><\/tr>
    Closing period: 8 to 12 weeks<\/td>3 to 4 weeks<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    With a fixed term, the Swiss 100 % financing option is less expensive overall than the mixed financing structure\u2014saving approximately 20,500 CHF\u2014while offering a fixed rate, a down payment discount, and a debt-free property ten years earlier. The trade-off: a higher monthly payment for fifteen years and debt entirely in Swiss francs against an asset denominated in euros. The mixed financing structure remains preferable if you prioritize cash flow flexibility or hedging against currency risk. Note that the 80\/20 scenario exists but remains the exception: it\u2019s better to base your plan on a 70\/30 split and consider the 80\/20 as a bonus.<\/p>\n\n\n\n

    \n

    These figures vary depending on your profile, canton, and borrowing capacity. Request a personalized simulation with a response within 24 hours!<\/p>\n<\/blockquote>\n\n\n\n

    A concrete case: T2 in the Algarve, from purchase to revaluation<\/h2>\n\n\n\n

    Example of an anonymized case study; past performance is not indicative of future results. A renovated two-bedroom apartment with a marina view and parking, listed at \u20ac340,000, was sold for \u20ac291,000 (\u221214.4 %). With \u20ac55,000 in renovations and furnishings and \u20ac28,845 in fees, the total investment comes to \u20ac374,845.<\/p>\n\n\n\n

    Funding secured (mixed structure)<\/th>Numbers<\/th><\/tr><\/thead>
    Portuguese Mortgage (70 %)<\/td>203,700 \u20ac \u2014 \u2248 1,098 \u20ac\/month<\/td><\/tr>
    Swiss Personal loan (180 months, 4.9% fixed %)<\/td>160,000 CHF \u2014 \u2248 1,257 CHF\/month<\/td><\/tr>
    Supplementary savings<\/td>\u2248 12,000 \u20ac<\/td><\/tr>
    Total monthly charge<\/strong><\/td>\u2248 2,450 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
    Seasonal rental operation (AL)<\/th>Numbers<\/th><\/tr><\/thead>
    Gross rental income<\/td>\u20ac25,000\/year<\/td><\/tr>
    Operating expenses<\/td>- 9000 \u20ac<\/td><\/tr>
    Net income<\/td>16 000 \u20ac<\/td><\/tr>
    Portuguese IRS (simplified category B)<\/td>\u2248 \u2212 2,190 \u20ac<\/td><\/tr>
    Net after tax<\/strong><\/td>\u2248 \u20ac13,810 (net return of 4.3% 1Q19)<\/strong><\/td><\/tr>
    Debt Service<\/td>- \u20ac29,400\/year<\/td><\/tr>
    Annual cash flow<\/strong><\/td>\u2248 -\u20ac15,600 (\u2248 -\u20ac1,300\/month)<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Value creation makes all the difference. After the renovations, the market value reached \u20ac490,000, representing an unrealized gain of \u20ac115,155 (a return of 30.7% on invested capital). Refinancing<\/a> At 70 % of \u20ac490,000, this frees up approximately \u20ac145,000 in cash outflow, which covers most of the Swiss personal loan. The new expense, approximately \u20ac1,849 per month, is then covered at a ratio of 62 % by net income after taxes.<\/p>\n\n\n\n

    Keep and refinance rather than resell<\/h3>\n\n\n\n

    The performance of this operation comes neither from the rate nor the rental yield, but from the discount at purchase and the value creation through work<\/a>, two options made possible by financing. Cash flow remains negative in the early years: this is a capital investment, not a source of income. Note: A resale would generate a gross capital gain of \u20ac115,155, with 50% of the gain taxed at the progressive IRS rates, resulting in approximately \u20ac95,000 net. Holding the property with refinancing therefore remains more tax-advantageous than selling it.<\/p>\n\n\n\n

    Your loan to buy property in Portugal with Lica, from Switzerland to the keys<\/h2>\n\n\n\n

    1. Funding, obtained from Switzerland<\/h3>\n\n\n\n

    We analyze your borrowing capacity and quantify the trade-off between the two financing structures, then have Swiss personal loan institutions compete to negotiate rate<\/a>, term, and amount. There is no maximum amount; the only limit is your ability to repay. Key technical point: for amounts exceeding 80,000 CHF, The LCC no longer applies<\/a>, nor their ceiling, nor the 14-day revocation period, nor the 36-month rule, which allows for high amounts and long terms. We then prepare the Portuguese mortgage file in the correct order so as not to negatively impact the debt-to-income ratio.<\/p>\n\n\n\n

    2. On-site support in French, German, and English<\/h3>\n\n\n\n

    We select and visit properties according to specifications defined with you. Thus, You no longer depend on an agent who works for the seller<\/a>. Before any reservation, we check the VPT, the AL license, and the condominium charges. We also inspect the actual condition of the property. Then, we negotiate the price in Portuguese, using local market codes. Furthermore, we act as a cash buyer when the setup allows. Finally, you will have a single point of contact in your language. This way, you avoid any approximate translations on documents that commit you.<\/p>\n\n\n\n

    3. Until signing, and after<\/h3>\n\n\n\n

    We coordinate the Portuguese lawyer (land registry, licenses, energy certificate, CPCV and deed), obtain the NIF<\/a>, we\u2019ll open the bank account and handle tax representation if necessary. We optimize the EUR\/CHF exchange rate on transfers\u2014an aspect that\u2019s often overlooked\u2014provide representation on the day of signing via power of attorney if needed, and connect you with work<\/a>, furnishings, and property management.<\/p>\n\n\n\n

    \n

    A mortgage broker isn't familiar with the Portuguese market. A Portuguese agency can't provide you with financing from Switzerland. Lica does both, and that's the only way to tailor the financing to the property\u2014not the other way around.<\/p>\n<\/blockquote>\n\n\n\n

    Frequently asked questions<\/h2>\n\n\n\n

    Do you need to be a resident in Portugal to buy?<\/h3>\n\n\n\n

    No. However, as of September 1, 2026, nonresidents pay 7.5 % in IMT instead of the progressive tax scale, unless they transfer their tax residence to Portugal within two years.<\/p>\n\n\n\n

    How much do Portuguese banks finance for a non-resident?<\/h3>\n\n\n\n

    Between 60 and 70 % in practice, over a maximum of 30 years, with a debt-to-income ratio capped at 30\u201335 % of net household income.<\/p>\n\n\n\n

    Is it possible to finance 100 % of the purchase from Switzerland?<\/h3>\n\n\n\n

    Yes. There is no amount limit, the only limit being your borrowing capacity.<\/p>\n\n\n\n

    What is the interest rate for a loan to buy in Portugal?<\/h3>\n\n\n\n

    Approximately 4.9 % fixed, average calculated based on the significant amounts related to real estate purchase<\/a>r. The Swiss legal limit is 10 %.<\/p>\n\n\n\n

    How much do the purchase fees really cost?<\/h3>\n\n\n\n

    Approximately 10 % of the price for a non-resident starting in September 2026, or 9.1 % for a cash purchase.<\/p>\n\n\n\n

    Does the RNH status still exist?<\/h3>\n\n\n\n

    It is closed to new entrants and replaced by the IFICI, which requires transferring your tax residency to Portugal.<\/p>\n\n\n\n

    How are rental income revenues taxed for a Swiss resident?<\/h3>\n\n\n\n

    In Portugal, 25 % are subject to a flat-rate tax in Category F, and a simplified tax regime applies in Category B for AL. In Switzerland, they are exempt but are taken into account when calculating the tax rate.<\/p>\n\n\n\n

    How long does the surgery take?<\/h3>\n\n\n\n

    From 8 to 12 weeks with a Portuguese mortgage, versus 3 to 4 weeks for a cash purchase.<\/p>\n\n\n\n

    Our conclusion on credit for buying in Portugal<\/h2>\n\n\n\n

    Portugal remains an excellent market. However, in 2026, the margin will be determined by the loan structuring, not during the site visit. Keep these four figures in mind. First, expect approximately 10 % in fees and 70 % in actual bank LTV. Next, Credit Suisse reports 4.9 % fixed<\/a>, with no upper limit on the amount. Finally, cash buyers receive a discount of 5 to 10 %. When properly structured, a loan to purchase property in Portugal becomes a real driver of performance. It goes beyond being merely a source of financing. Request your free, no-obligation estimate now. We\u2019ll get back to you within 24 hours.<\/p>","protected":false},"excerpt":{"rendered":"

    Obtenir un cr\u00e9dit pour acheter au Portugal depuis la Suisse n’a jamais \u00e9t\u00e9 aussi accessible. Cependant, les r\u00e8gles fiscales ont profond\u00e9ment chang\u00e9 en 2026. Les prix, eux, continuent de grimper. En effet, le prix m\u00e9dian national atteint 3 156 \u20ac\/m\u00b2 en juin 2026. Cette progression repr\u00e9sente une hausse de 8,9 % sur un an. De […]<\/p>\n","protected":false},"author":11,"featured_media":43648,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":["post-43649","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-immobilier"],"_yoast_wpseo_focuskw":"Cr\u00e9dit pour acheter au Portugal","_yoast_wpseo_title":"Cr\u00e9dit pour acheter au Portugal : financer votre bien immobilier","_yoast_wpseo_metadesc":"Cr\u00e9dit pour acheter au Portugal : fonds propres, frais, cr\u00e9dit et hypoth\u00e8que. Lica vous explique tout ce que vous devez savoir.","yoast_head":"\nCr\u00e9dit pour acheter au Portugal : financer votre bien immobilier<\/title>\n<meta name=\"description\" content=\"Cr\u00e9dit pour acheter au Portugal : fonds propres, frais, cr\u00e9dit et hypoth\u00e8que. Lica vous explique tout ce que vous devez savoir.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lica.ch\/en\/real-estate-loan\/loan-to-buy-in-portugal-how-to-finance-your-property\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit pour acheter au Portugal : financer votre bien immobilier\" \/>\n<meta property=\"og:description\" content=\"Cr\u00e9dit pour acheter au Portugal : fonds propres, frais, cr\u00e9dit et hypoth\u00e8que. Lica vous explique tout ce que vous devez savoir.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lica.ch\/en\/real-estate-loan\/loan-to-buy-in-portugal-how-to-finance-your-property\/\" \/>\n<meta property=\"og:site_name\" content=\"Lica cr\u00e9dit priv\u00e9\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lica.suisse\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-28T09:39:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-28T10:35:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/07\/Credit-pour-acheter-au-Portugal_IMA.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mara Garcia Malici\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/\"},\"author\":{\"name\":\"Mara Garcia Malici\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/person\\\/a0e9ec62547fb0bc6207a368ccb36be7\"},\"headline\":\"Cr\u00e9dit pour acheter au Portugal, comment financer votre bien immobilier\",\"datePublished\":\"2026-07-28T09:39:26+00:00\",\"dateModified\":\"2026-07-28T10:35:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/\"},\"wordCount\":3516,\"publisher\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Credit-pour-acheter-au-Portugal_IMA.webp\",\"articleSection\":[\"Cr\u00e9dit immobilier\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/\",\"name\":\"Cr\u00e9dit pour acheter au Portugal : financer votre bien immobilier\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Credit-pour-acheter-au-Portugal_IMA.webp\",\"datePublished\":\"2026-07-28T09:39:26+00:00\",\"dateModified\":\"2026-07-28T10:35:37+00:00\",\"description\":\"Cr\u00e9dit pour acheter au Portugal : fonds propres, frais, cr\u00e9dit et hypoth\u00e8que. Lica vous explique tout ce que vous devez savoir.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Credit-pour-acheter-au-Portugal_IMA.webp\",\"contentUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Credit-pour-acheter-au-Portugal_IMA.webp\",\"width\":1000,\"height\":650,\"caption\":\"Cr\u00e9dit pour acheter au Portugal\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.lica.ch\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit pour acheter au Portugal, comment financer votre bien immobilier\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/\",\"name\":\"Lica\",\"description\":\"Cr\u00e9dit priv\u00e9\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\"},\"alternateName\":\"Lica\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\",\"name\":\"Lica\",\"alternateName\":\"Lica\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/Logo_Yoast_Jaune_696x696.webp\",\"contentUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/Logo_Yoast_Jaune_696x696.webp\",\"width\":696,\"height\":696,\"caption\":\"Lica\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/lica.suisse\\\/\",\"https:\\\/\\\/ch.linkedin.com\\\/company\\\/lica-cr\u00e9dit\",\"https:\\\/\\\/www.tiktok.com\\\/@lica.ch\",\"https:\\\/\\\/www.instagram.com\\\/licacredit\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/person\\\/a0e9ec62547fb0bc6207a368ccb36be7\",\"name\":\"Mara Garcia Malici\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/A-propos_Credit-Prive-En-Suisse_MG-96x96.webp\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/A-propos_Credit-Prive-En-Suisse_MG-96x96.webp\",\"contentUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/A-propos_Credit-Prive-En-Suisse_MG-96x96.webp\",\"caption\":\"Mara Garcia Malici\"},\"description\":\"Conseill\u00e8re sp\u00e9cialis\u00e9e chez Lica depuis 2022. Experte en cr\u00e9dit priv\u00e9 et en assurances, elle accompagne nos clients dans leurs d\u00e9marches de financement et de protection patrimoniale.\",\"sameAs\":[\"https:\\\/\\\/ch.linkedin.com\\\/in\\\/mara-garcia-42b612153\"],\"url\":\"https:\\\/\\\/ch.linkedin.com\\\/in\\\/mara-garcia-42b612153\",\"jobTitle\":\"Conseill\u00e8re sp\u00e9cialis\u00e9e\",\"worksFor\":{\"@type\":\"Organization\",\"name\":\"Lica\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/en\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Loan to Buy in Portugal: Financing Your Property","description":"Loan to buy in Portugal: own funds, costs, loan and mortgage. Lica explains everything you need to know.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lica.ch\/en\/real-estate-loan\/loan-to-buy-in-portugal-how-to-finance-your-property\/","og_locale":"en_US","og_type":"article","og_title":"Cr\u00e9dit pour acheter au Portugal : financer votre bien immobilier","og_description":"Cr\u00e9dit pour acheter au Portugal : fonds propres, frais, cr\u00e9dit et hypoth\u00e8que. Lica vous explique tout ce que vous devez savoir.","og_url":"https:\/\/www.lica.ch\/en\/real-estate-loan\/loan-to-buy-in-portugal-how-to-finance-your-property\/","og_site_name":"Lica cr\u00e9dit priv\u00e9","article_publisher":"https:\/\/www.facebook.com\/lica.suisse\/","article_published_time":"2026-07-28T09:39:26+00:00","article_modified_time":"2026-07-28T10:35:37+00:00","og_image":[{"width":1000,"height":650,"url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/07\/Credit-pour-acheter-au-Portugal_IMA.png","type":"image\/png"}],"author":"Mara Garcia Malici","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/#article","isPartOf":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/"},"author":{"name":"Mara Garcia Malici","@id":"https:\/\/www.lica.ch\/en\/#\/schema\/person\/a0e9ec62547fb0bc6207a368ccb36be7"},"headline":"Cr\u00e9dit pour acheter au Portugal, comment financer votre bien immobilier","datePublished":"2026-07-28T09:39:26+00:00","dateModified":"2026-07-28T10:35:37+00:00","mainEntityOfPage":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/"},"wordCount":3516,"publisher":{"@id":"https:\/\/www.lica.ch\/en\/#organization"},"image":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/07\/Credit-pour-acheter-au-Portugal_IMA.webp","articleSection":["Cr\u00e9dit immobilier"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/","url":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/","name":"Loan to Buy in Portugal: Financing Your Property","isPartOf":{"@id":"https:\/\/www.lica.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/#primaryimage"},"image":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/07\/Credit-pour-acheter-au-Portugal_IMA.webp","datePublished":"2026-07-28T09:39:26+00:00","dateModified":"2026-07-28T10:35:37+00:00","description":"Loan to buy in Portugal: own funds, costs, loan and mortgage. Lica explains everything you need to know.","breadcrumb":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/#primaryimage","url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/07\/Credit-pour-acheter-au-Portugal_IMA.webp","contentUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/07\/Credit-pour-acheter-au-Portugal_IMA.webp","width":1000,"height":650,"caption":"Cr\u00e9dit pour acheter au Portugal"},{"@type":"BreadcrumbList","@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-au-portugal-comment-financer-votre-bien-immobilier\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.lica.ch\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dit pour acheter au Portugal, comment financer votre bien immobilier"}]},{"@type":"WebSite","@id":"https:\/\/www.lica.ch\/en\/#website","url":"https:\/\/www.lica.ch\/en\/","name":"Lica","description":"Personal loan","publisher":{"@id":"https:\/\/www.lica.ch\/en\/#organization"},"alternateName":"Lica","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lica.ch\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.lica.ch\/en\/#organization","name":"Lica","alternateName":"Lica","url":"https:\/\/www.lica.ch\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.lica.ch\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/10\/Logo_Yoast_Jaune_696x696.webp","contentUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/10\/Logo_Yoast_Jaune_696x696.webp","width":696,"height":696,"caption":"Lica"},"image":{"@id":"https:\/\/www.lica.ch\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/lica.suisse\/","https:\/\/ch.linkedin.com\/company\/lica-cr\u00e9dit","https:\/\/www.tiktok.com\/@lica.ch","https:\/\/www.instagram.com\/licacredit\/"]},{"@type":"Person","@id":"https:\/\/www.lica.ch\/en\/#\/schema\/person\/a0e9ec62547fb0bc6207a368ccb36be7","name":"Mara Garcia Malici","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/10\/A-propos_Credit-Prive-En-Suisse_MG-96x96.webp","url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/10\/A-propos_Credit-Prive-En-Suisse_MG-96x96.webp","contentUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/10\/A-propos_Credit-Prive-En-Suisse_MG-96x96.webp","caption":"Mara Garcia Malici"},"description":"Specialist advisor at Lica since 2022. An expert in personal loans and insurance, she supports our clients in their financing and wealth-protection processes.","sameAs":["https:\/\/ch.linkedin.com\/in\/mara-garcia-42b612153"],"url":"https:\/\/ch.linkedin.com\/in\/mara-garcia-42b612153","jobTitle":"Conseill\u00e8re sp\u00e9cialis\u00e9e","worksFor":{"@type":"Organization","name":"Lica","url":"https:\/\/www.lica.ch\/en"}}]}},"_links":{"self":[{"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/posts\/43649","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/comments?post=43649"}],"version-history":[{"count":14,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/posts\/43649\/revisions"}],"predecessor-version":[{"id":43680,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/posts\/43649\/revisions\/43680"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/media\/43648"}],"wp:attachment":[{"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/media?parent=43649"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/categories?post=43649"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/tags?post=43649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}