# Golden Visa Mortgage **URL:** \ **Category:** Portugal Golden Visa\ **Created:** [October 21, 2020, 8:45pm UTC](https://community.nomadgate.com/t/golden-visa-mortgage/29488 "2020-10-21T20:45:44Z")\ **Posts on this page:** 7\ **Page:** 1
**Author:** ![ellesoto7](https://community.nomadgate.com/letter_avatar_proxy/v4/letter/e/a3d4f5/32.png) [@ellesoto7](https://community.nomadgate.com/u/ellesoto7)\ **Post date:** [October 21, 2020, 8:45pm UTC](https://community.nomadgate.com/t/golden-visa-mortgage/29488/1 "2020-10-21T20:45:44Z")
This might be a silly question but, I rather get a concrete answer. Do you still qualify for the golden visa if you buy a property for €500,000 with a mortgage? That is, you put a €50,000 down payment and mortgage the rest; or do you have to invest the entire €500,000 up front? Thanks in advance! 😊 ---
**Author:** ![jb4422](https://community.nomadgate.com/letter_avatar_proxy/v4/letter/j/ec9cab/32.png) [@jb4422](https://community.nomadgate.com/u/jb4422)\ **Post date:** [October 22, 2020, 11:28am UTC](https://community.nomadgate.com/t/golden-visa-mortgage/29488/2 "2020-10-22T11:28:30Z")
no, the whole point is that they want 500k to cross the border into the country. I recall you could mortgage amounts \> 500k, e.g. you buy a 1mm house and finance 500k of it. ---
**Author:** ![lalou99](https://community.nomadgate.com/letter_avatar_proxy/v4/letter/l/c67d28/32.png) [@lalou99](https://community.nomadgate.com/u/lalou99)\ **Post date:** [October 26, 2020, 10:06pm UTC](https://community.nomadgate.com/t/golden-visa-mortgage/29488/3 "2020-10-26T22:06:24Z")
I have heard that as long as you get the loan OUTSIDE of Portugal, you can use a loan to fund a property. (i.e. obtaining a HELOC on a property you own in the US and paying all 500,000 for the GV investment using a combo of cash and HELOC funding…then you just pay down your HELOC as you would a mortgage) You can only mortgage the amount over the 500,000 investment if you get the loan INSIDE Portugal (i.e. paying 500,000 down and getting another 250,000 loan to buy a property valued at 750,000). Can anyone verify if this is accurate? ---
**Author:** ![AussieInExile](https://community.nomadgate.com/letter_avatar_proxy/v4/letter/a/b3f665/32.png) [@AussieInExile](https://community.nomadgate.com/u/AussieInExile)\ **Post date:** [November 23, 2020, 2:48am UTC](https://community.nomadgate.com/t/golden-visa-mortgage/29488/4 "2020-11-23T02:48:01Z")
I would also like to know the answer to getting a loan outside of portugal. My aim is to open a company in another EU country, and use that company for a loan from that country to finance the purchase in Portugal. Any lawyers know the answer to this question? ---
**Author:** ![Buh](https://community.nomadgate.com/letter_avatar_proxy/v4/letter/b/91b2a8/32.png) [@Buh](https://community.nomadgate.com/u/Buh)\ **Post date:** [February 6, 2021, 11:50am UTC](https://community.nomadgate.com/t/golden-visa-mortgage/29488/5 "2021-02-06T11:50:24Z")
Depends if the Portugal authorities changes their mind. I suggest don’t do it, if possible. ---
**Author:** ![Buh](https://community.nomadgate.com/letter_avatar_proxy/v4/letter/b/91b2a8/32.png) [@Buh](https://community.nomadgate.com/u/Buh)\ **Post date:** [February 6, 2021, 11:50am UTC](https://community.nomadgate.com/t/golden-visa-mortgage/29488/6 "2021-02-06T11:50:46Z")
Yes you are correct. ---
**Author:** ![Tariq\_Tamea](https://community.nomadgate.com/user_avatar/community.nomadgate.com/tariq_tamea/32/4753_2.png) [@Tariq\_Tamea](https://community.nomadgate.com/u/Tariq_Tamea)\ **Post date:** [March 8, 2021, 11:28pm UTC](https://community.nomadgate.com/t/golden-visa-mortgage/29488/7 "2021-03-08T23:28:20Z")
What the authorities (SEF) need to see is the full investment amount (e.g 350k/500k) come from outside of Portugal into a Portuguese bank account. If you wanted to buy a 600k property then you could invest 500k cash and take a 100k mortgage in Portugal. You’d still qualify for the GV under such circumstances. Alternatively, if you were to take a loan or remortgage a property in another country to finance the entire investment (e.g. 350k/500k) then that’s technically also possible.