Documents by Country
Select your country of residence and see exactly which documents you need to start your mortgage application process in Portugal.
🇬🇧United Kingdom
- 1Last 3 pay slips
- 2P60 (annual tax certificate issued by the employer)
- 3Credit Report from Experian — obtain at: https://www.experian.co.uk/
🇨🇭Switzerland
- 1Last 3 pay slips
- 2Tax return (equivalent to the IRS declaration)
- 3IKO — consumer credit information extract: https://www.iko-info.ch/fr-ch/preneurs-de-credit-et-de-leasing/donnees-sur-ma-personne
- 4ZEK — central credit register extract: https://www.zek.ch/fr-ch/preneurs-de-credit-et-de-leasing/donnees-sur-ma-personne
🇧🇷Brazil
- 1Last 3 pay slips (holerites/contracheques)
- 2Full Income Tax Return (DIRPF + Submission Receipt)
- 3SCR — Central Bank Credit Information System: https://www.bcb.gov.br/estabilidadefinanceira/scr
- 4Registrato (consumer access): https://www.bcb.gov.br/cidadaniafinanceira/registrato
Note
The SCR is the system consulted by banks; Registrato is the consumer access route.
🇦🇴Angola
- 1Last 3 pay slips
- 2Employer declaration, including:
- Date of admission
- Type of employment (permanent or fixed-term contract)
- Total income received in the previous year
- Current monthly salary
Note
⚠️ For simulation purposes, this document does not require validation. However, to proceed formally, the document must be notarized and certified at the consulate. The original must be sent for delivery to the chosen bank.
🇫🇷France
- 1Last 3 pay slips (fiches de paie)
- 2Tax return (avis d'imposition) — last 2 years
- 3FICP — Right of access to credit incident files (Banque de France):
- 4: https://www.banque-france.fr/fr/votre-service/particuliers/consulter-vos-informations-personnelles/demander-votre-droit-d-acces-aux-fichiers-d-incidents
Note
The term "credit responsibility map" is not used in France. The correct document is the FICP from the Banque de France.
🇪🇸Spain
- 1Last 3 pay slips (nóminas)
- 2Tax return — IRPF / Modelo 100 (last 1–2 years)
- 3CIRBE — Bank of Spain Risk Information Center:
- 4: https://www.bde.es/wbe/es/punto-informacion/contenidos/gestiones/informacion-riesgos-cir/
🇳🇱Netherlands
- 1Last 3 pay slips (salarisspecificaties)
- 2Tax return (Jaaropgaaf / definitieve aanslag):
- 3: https://mijn.belastingdienst.nl/
- 4BKR — credit register extract:
- 5: https://mijnkredietregistratie.nl/nl/vragenlijst-kredietoverzicht
🇩🇪Germany
- 1Last 3 pay slips (Gehaltsabrechnungen / Lohnabrechnungen)
- 2Personalausweis (identity card) or Reisepass (passport)
- 3Steuer-ID (tax identification number)
- 4German identity card (with address on back) or Anmeldung Bestätigung (registration confirmation)
- 5Steuererklärung (tax return)
- 6Steuerbescheid (tax assessment notice)
- 7Schufa (credit report): https://www.schufa.de/
Note
For employees, the last 3 pay slips are required. The Steuerbescheid (tax assessment notice) is crucial — the tax return alone is not sufficient.
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Request SimulationThis list is indicative only. The exact documents may vary depending on the bank and client profile. Financial Options Lda is authorized and registered with Banco de Portugal as a Credit Intermediary.
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