{"id":2015,"date":"2026-05-30T14:35:31","date_gmt":"2026-05-30T14:35:31","guid":{"rendered":"https:\/\/aluseg.com\/?p=2015"},"modified":"2026-05-30T14:35:31","modified_gmt":"2026-05-30T14:35:31","slug":"true-cost-tenant-default-portugal","status":"publish","type":"post","link":"https:\/\/aluseg.com\/en\/true-cost-tenant-default-portugal\/","title":{"rendered":"The True Cost of Tenant Default in Portugal (\u20ac5.4k\u2013\u20ac10.8k)"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>Tenant default in Portugal costs far more than the missed rent. Add court fees, legal costs, damage, and opportunity cost, and the real figure routinely lands between \u20ac5,400 and \u20ac10,800.<\/p><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">The problem<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investors model gross yield but rarely model default. That blind spot is expensive: when default hits, the loss isn&#8217;t one number \u2014 it&#8217;s a stack of them, compounding over months.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The full cost stack<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Lost rent<\/strong> across the eviction period \u2014 rarely recovered.<\/li><li><strong>Court and BAS fees<\/strong>, plus enforcement agent costs.<\/li><li><strong>Legal fees<\/strong> for a lawyer or solicitor.<\/li><li><strong>Property damage<\/strong>, common in contested exits.<\/li><li><strong>Opportunity cost<\/strong> \u2014 the unit can&#8217;t be re-let while occupied.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Your specific number<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Lisbon (\u20ac18+\/sqm) or Porto (\u20ac15+\/sqm), a larger unit pushes the loss past the \u20ac10,800 ceiling. Seeing your number reframes how you price risk.<\/p>\n\n\n\n<div class=\"aluseg-cta\">\n  <a class=\"aluseg-cta__btn\" href=\"https:\/\/aluseg.com\/tenant-solvency\/\">Model your exact downside \u2192<\/a>\n<\/div>\n<style>\n.aluseg-cta{margin:34px 0;padding:30px 24px;background:#eef4f5;border:1px solid #d6e3e5;border-radius:14px;text-align:center;}\n.aluseg-cta__btn{display:inline-block;background:#005869;color:#fff;font-weight:700;font-size:17px;line-height:1.2;text-decoration:none;padding:15px 34px;border-radius:9px;font-family:Arial,Helvetica,sans-serif;transition:background .2s ease;}\n.aluseg-cta__btn:hover{background:#133B3A;color:#fff;}\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Does insurance cover all of these costs?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many GLI policies cover lost rent and legal costs within limits; property damage is often handled separately. Always read the policy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tenant default in Portugal costs far more than missed rent. The full stack: court fees, legal costs, damage, and opportunity cost, explained for investors.<\/p>\n","protected":false},"author":1,"featured_media":763,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-2015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-e-financial-protection"],"acf":[],"_links":{"self":[{"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/posts\/2015","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/comments?post=2015"}],"version-history":[{"count":1,"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/posts\/2015\/revisions"}],"predecessor-version":[{"id":5149,"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/posts\/2015\/revisions\/5149"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/media\/763"}],"wp:attachment":[{"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/media?parent=2015"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/categories?post=2015"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aluseg.com\/en\/wp-json\/wp\/v2\/tags?post=2015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}