Glossary

penhora

Published 8 November 2026, 22:23
penhora (seizure of property for debt)

Compulsory seizure of property for a debt: a bank account, part of a salary or pension, a car, a flat. It is ordered by the tax office as part of an execução fiscal or by an agente de execução following a court decision. Under Article 738 of the Code of Civil Procedure, two thirds of net salary cannot be touched, and if there is no other income, at least one salário mínimo nacional remains protected. A seizure of property shows up on the land registry extract, which is exactly why people order one before buying.

Where you come across it. Checking a property before buying, unpaid taxes and fines piling up, and scam text messages.
A text message saying "Penhora prevista para [date], pay via the link" is a scam: genuine notices arrive in your Portal das Finanças account or by letter, and that is also where you can check for any seizures. When a sale is arranged online, an encumbrance is easy to miss unless you specifically check the registry extract.