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Flavia L. Lamattina
To address the housing market crisis and soaring prices, modular homes have begun to carve out a significant space in Portugal. The concept of non-traditional construction is still not very clear to the public, but it attracts attention due to its cost-effectiveness and efficiency.
Historically viewed with some caution, modular homes are now valued for the quality and technology employed in their manufacture. Unlike traditional on-site building, these homes are produced in certified factories, divided into modules that are later assembled on the final site. This method gives them a sturdy and secure structure, despite preconceived notions that they might be less solid than conventional constructions. The customization options range from small units (T0) to larger residences (T5), with one or two floors, including possibilities for fixed or transportable homes. Additionally, regarding quality, these modular homes are as durable as traditionally constructed houses, typically lasting 50 to 70 years.
Among the main advantages are the reduced cost and the speed of construction, with some companies capable of delivering a ready home in up to 90 days. Also, once built, new areas can be added or removed. The owner can start with a T1 (one-bedroom) and gradually expand to a T3 (three-bedroom). The disadvantages include the transport costs of factory parts to the site and the limitation in customizing the projects, coupled with the usual bureaucracy involved in obtaining financing. This type of construction requires prior land preparation, and some models need a ready foundation and connections to services such as water, sewage, and electricity, generally at the owner’s expense. Two more things to consider: once the project is approved, it cannot be changed without risking additional costs for minor modifications, and the homes are generally paid for upfront, highlighting the importance of choosing a reputable, certified company to ensure your investment is worthwhile.
Financing is an important aspect here, as some institutions still do not have a program for this type of property. The local bank Caixa Geral de Depósitos, for instance, already offers a housing loan line for this purpose. Other banks, like Santander in partnership with Discover Casa, are also beginning to adapt their offers to include prefabricated homes, with credits that can cover amounts between 50,000 to 200,000 euros, offering loans that cover up to 90% of the total cost. If the owner requires 100% financing, some manufacturers offer this possibility. However, consumers must always remain vigilant with these offers, ensuring they are always associated with a reliable financial entity with a good reputation in the market.
With reduced interest charges on loans and advances in quality, prefabricated houses present themselves as a viable and increasingly popular option in Portugal. For potential buyers, it is essential to research and consult on appropriate financing conditions and thoroughly understand both the limitations and benefits of these modular homes before making a purchase decision. Key considerations include the choice of manufacturer (consider reputation, proximity to the land to avoid extra transport costs — shop around and check all materials and processes used to build your home), a detailed project (avoiding unnecessary costs), and legal issues — one must present an architectural project to the City Council, obtain a construction permit and habitation license, and register it at the Property Registry Office (Conservatória do Registo Predial), considering including these expenses in the project budget and leaving the legal responsibilities to the builder. Maintenance of the property, especially if the house is made of wood, must also be considered. Another important aspect is the contracting of insurance, which is always somewhat pricier for this type of housing.
The options for prefabricated homes in Portugal continue to grow, reflecting a trend that should be closely watched by those interested in the real estate sector, especially the luxury sector when discussing eco-homes and recycled material homes — definitely a trend to follow. ■
