Housing in prefabricated and modular houses
Housing in prefabricated and modular houses
Licensing is mandatory
Licensing is mandatory
As with traditional houses, the installation of prefabricated or modular houses is also compulsorily subject to licensing by the competent town hall.
For a good decision making at the time of your choice, you should know what procedures to take into account and what precautions to take regarding the financing of this type of housing.
As with traditional houses, the installation of prefabricated or modular houses is also compulsorily subject to licensing by the competent town hall.
For a good decision making at the time of your choice, you should know what procedures to take into account and what precautions to take regarding the financing of this type of housing.
As with traditional houses, the installation of prefabricated or modular houses is also compulsorily subject to licensing by the competent town hall.
For a good decision making at the time of your choice, you should know what procedures to take into account and what precautions to take regarding the financing of this type of housing.
LICENSING OF PREFABRICATED AND MODULAR HOUSES
LICENSING OF PREFABRICATED AND MODULAR HOUSES
LICENSING OF PREFABRICATED AND MODULAR HOUSES
LICENSING OF PREFABRICATED AND MODULAR HOUSES
MODULAR, PREFABRICATED, WOODEN, STEEL, CONTAINERIZED HOUSES...
MODULAR, PREFABRICATED, WOODEN, STEEL, CONTAINERIZED HOUSES...
There are several companies in the area operating in Portugal, LyxIg has partners that are guided by innovative concepts of building sustainable, efficient, resistant, practical and modern houses, offering its customers a set of numerous advantages where we can highlight the speed of construction.
The licensing of this type of housing is essential to start the installation of any type of prefabricated house and obtain the utilization permit; the license to use.
The licensing process is very similar to the one required for the construction of conventional masonry houses; approval of the project and the specialties.
Similar to other real estate properties, prefabricated houses are also subject to the payment of municipal property tax (IMI), and the house must be registered with the Tax Authority and have a caderneta predial.
The choice of an "expert" to accompany you in this process is indispensable for the success of the licensing. It is necessary to know the norms and rules for licensing and accessibility and the rules required in each municipality, sometimes they have to be adapted to the Portuguese legislation and the architects office is the right one to make the respective adaptations of the project in order to comply with the legal rules.
Choosing an "expert" to accompany you and who knows how to handle all the formalities concerning the licensing of prefabricated or modular houses is the key to success.
Some tips on what are the financing options that currently exist for this type of construction and assembly of modular homes and some banks that finance them similarly to traditional housing.
TERRAIN FEATURES
TERRAIN FEATURES
PRIOR INFORMATION REQUEST
PRIOR INFORMATION REQUEST
ARCHITECTURE AND SPECIALTY PROJECTS
ARCHITECTURE AND SPECIALTY PROJECTS
THE PHASES OF THE APPROVAL PROCESS FOR PREFABRICATED OR MODULAR HOUSES
THE PHASES OF THE APPROVAL PROCESS FOR PREFABRICATED OR MODULAR HOUSES
- It is necessary to know in advance what is foreseen in the Municipal Master Plan (PDM) of the respective municipality;
- If there are any limitations to construction on the land in question, specifically;
- If the land is inserted in the National Ecological Reserve or in the National Agricultural Reserve;
- If it is an AUGI land with its own form of legalization.
Any interested party, even if they are not the owner of the land, such as the potential buyer, can request to the chamber, in advance, through an urban planning appointment, to ask for information about the feasibility of carrying out a certain work, in other words, if it is possible to build or install the modular house, and to know more exactly what can be built and if there are any legal constraints for that location.
This procedure, when favorable, is binding.
The specialty projects include plans for electrical power distribution or gas installation, among others, that is:
- Architecture Project
- Stability Project
- Water Design
- Sewage design
- Electrical design
- Thermal design
- Acoustical design
- Accessibility Design
- Base Project to lay the house
- Ventilation Project
- ITED Project
- Among others
Similar to some prefabricated housing suppliers that provide these services and take care of all the formalities, for an additional fee, LyxIg has this service and is a business partner of the real estate company LyxBiz.
LICENCE APPLICATION
LICENCE APPLICATION
The application for a building permit implies the presentation of the architectural project and the specialty projects, which may or may not be delivered together.
If the projects are not submitted together, after the approval of the architectural project, the deadline for submission of the latter is 6 months, which can be extended only once, by 3 months.
The application for a building permit implies the presentation of the architectural project and the specialty projects, which may or may not be delivered together.
If the projects are not submitted together, after the approval of the architectural project, the deadline for submission of the latter is 6 months, which can be extended only once, by 3 months.
RESOLUTION OF THE CITY COUNCIL
RESOLUTION OF THE CITY COUNCIL
The municipal council must decide on the architectural project within 30 days from the date of receipt.
The decision on the licensing request, the deadline is 45 days from the presentation of the specialty projects and other complementary studies or from the date of approval of the architectural project if the interested party has presented the projects together.
The municipal council must decide on the architectural project within 30 days from the date of receipt.
The decision on the licensing request, the deadline is 45 days from the presentation of the specialty projects and other complementary studies or from the date of approval of the architectural project if the interested party has presented the projects together.
APPLICATION FOR AUTHORIZATION OF USE
APPLICATION FOR AUTHORIZATION OF USE
APPLICATION FOR AUTHORIZATION OF USE
APPLICATION FOR AUTHORIZATION OF USE
APPLICATION FOR AUTHORIZATION OF USE
APPLICATION FOR AUTHORIZATION OF USE
After the work is completed, the next step is to apply for a usage permit from the local authority's urban planning department.
The purpose of the use permit application is to verify the compliance of the work with the architectural and specialty projects and the exterior arrangements that were approved and culminates with the issuance of the respective use permit.
Without the proper license, the work is considered illegal, in case of inspection, it may be embargoed, with the legal consequences.
Failure to comply with the embargo order, as well as the order and possible demolition or cease of use, constitutes a crime of disobedience which is punishable by law with a prison sentence of up to 1 year or a fine of up to 120 days.
In each specific case, it is possible to proceed with the legalization or demolition of the work.
In the limit, if the property is already in use, its use must cease.
The lack of a license also constitutes an administrative offence and in addition to these sanctions there will be the payment of a fine.
Without the proper license, the work is considered illegal, in case of inspection, it may be embargoed, with the legal consequences.
Failure to comply with the embargo order, as well as the order and possible demolition or cease of use, constitutes a crime of disobedience which is punishable by law with a prison sentence of up to 1 year or a fine of up to 120 days.
In each specific case, it is possible to proceed with the legalization or demolition of the work.
In the limit, if the property is already in use, its use must cease.
The lack of a license also constitutes an administrative offence and in addition to these sanctions there will be the payment of a fine.
Without the proper license, the work is considered illegal, in case of inspection, it may be embargoed, with the legal consequences.
Failure to comply with the embargo order, as well as the order and possible demolition or cease of use, constitutes a crime of disobedience which is punishable by law with a prison sentence of up to 1 year or a fine of up to 120 days.
In each specific case, it is possible to proceed with the legalization or demolition of the work.
In the limit, if the property is already in use, its use must cease.
The lack of a license also constitutes an administrative offence and in addition to these sanctions there will be the payment of a fine.
THE WORK IS CONSIDERED ILLEGAL, WITHOUT THE LICENSE
THE WORK IS CONSIDERED ILLEGAL, WITHOUT THE LICENSE
THE FORMS AND POSSIBLE SOLUTIONS FOR FINANCING
THE FORMS AND POSSIBLE SOLUTIONS FOR FINANCING
THE FORMS AND POSSIBLE SOLUTIONS FOR FINANCING
THE FORMS AND POSSIBLE SOLUTIONS FOR FINANCING
Banks analyze on a case-by-case basis the possibility of financing model homes.
Caixa Geral de Depósitos currently markets a specific product to finance prefabricated houses.
Most banking institutions finance this type of construction through traditional mortgages, separately or on a case-by-case basis, together with the financing of the purchase of the land.
In principle, the evaluation is done case by case, and takes into account the durability and the quality of the construction, as well as the fact of the house being removable or not, because there are constructions with a removable wooden base and others with a concrete base fixed to the ground.
When analyzing the credit risk, it is important to consider whether the house in question may be moveable, in which case it is unlikely that the bank will accept the property as collateral.
In cases where a mortgage is not a possibility, some people consider personal loans. But one must take care, because in this case, the much higher interest rates and the shorter payment terms result in a monthly payment that is much higher than that of a mortgage and therefore also heavier for a family budget.
Some manufacturers claim to guarantee access to financing of up to 100% of the value of the property, and some banks offer financing of 90% of the value of the house.
In this case the help of an "expert" is essential before joining this type of solutions, the analysis and simulations and the choice of the most appropriate credit institution to the specific case, LyxBiz has partners that help to find the best solution for the parties involved and help in the best choice of the proposed conditions, because do not forget to pay attention to the APR, which reflects the totality of the costs of the credit to hire.
