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Portugal.
Portugal

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Presented At
€1,410,000
Bedrooms
3
Bathrooms
3
Living
1,637
SQM
Portugal.

3 bedroom apartment in downtown Lisbon with guaranteed profitability

Spacious three-bedroom apartment with 152 sqm, located in the Ando Living Pedras Negras House project. This apartment is distributed as follows: upon entering, we come to an entrance hall that leads to the dining room with an open kitchen. On the right, an area dedicated to the living room. A guest bathroom. Three bedrooms, one en suite, all with fitted closets. There is also a full bathroom that serves the other two bedrooms. Small balcony measuring 2.4 sqm. River view. To the price of the apartment you must add the €45,000 value of the furniture pack. The Ando Living Pedras Negras House is an architectural treasure located in downtown Lisbon. Here we find 20 beautiful apartments from studio to three-bedroom, spacious and bright, combining space and privacy in a rare way. Spread over four floors, each apartment has its own layout and character, with exceptionally high ceilings, large windows and an abundance of natural light. Carefully preserved, the structure features the best of Portuguese architecture: original wooden parquet, traditional Portuguese tiles, stone walls and elegant historical details. The architecture and interior design team have carefully updated the space with natural textures, premium finishes and soft, emotive tones, creating welcoming, refined interiors that feel rooted in Lisbon but timeless in spirit. Outside, available to all residents/guests, there is a lawned leisure area with a pleasant swimming pool. Anyone who buys an apartment at Ando Living Pedras Negras House can become an investor in a pool revenue model. The client can opt for one of two yield solutions:
  • fixed yield of 4% for 5 years. This return is expressed as a percentage net of costs, before tax. After 5 years, the yield automatically changes to a variable yield. Up to 14 days' stay in Ando Living clubs.
  • estimated return between 5% and 6%, but not guaranteed. 50/50 split between owner and operator, with approximately 15/85 of costs in favor of the owner. Clients can choose the length of their stay. It is also possible to live in your apartment, thus foregoing renting it out. It should be noted that clients of Ando Living Pedras Negras House will be able to use the amenities of the other Ando Clubs throughout Portugal and Europe: gym, swimming pool, communal leisure areas, restaurants, bars and stores. Ando apartments are not just apartments to live in; they are a true lifestyle
  • metro, bus, streetcar and train
  • take you to all parts of the city. Lisbon is one of the safest cities in the world, combining past and present like no other. A city of beautiful contrasts between old and new, full of culture, commerce, history, architecture and gastronomic wealth. With the River Tagus on its banks, it has a variety of beautiful viewpoints and a coastline that stretches as far as Cascais and the Costa da Caparica, with its beautiful beaches. With plenty of sunny days and good weather, Lisbon is the ideal destination for traveling and living all year round. Energy Rating: B
  • #ref:APA_11068

Mortgage Calculator

Estimate your monthly payments for this property

€
%
€100,000
%
Estimated Monthly Payment $3,160
Monthly Payment Breakdown
Principal & Interest $2,528
Loan Amount $400,000
Total Interest $337,621
Total Cost $737,621
Potential Tax Benefits (Portugal)
€0 Est. First Year Interest Deduction
€0 Est. Annual Tax Savings
*Maximum annual deduction is €296. Property must be permanent residence. Phasing out for higher incomes.

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Important Information
  • This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
  • Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
  • Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
  • This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
  • Tax benefit calculations are simplified estimates based on general assumptions for Portugal. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
  • Tax Year Information: Tax data shown is based on Portugal tax year 2025 (fiscal year: January-December). Tax laws change frequently and may have been amended since this data was compiled.

Limitation of Liability: By using this calculator, you acknowledge that all results are approximations and should not be relied upon for financial, legal, or tax decisions. openluxe, its affiliates, officers, directors, employees, and agents expressly disclaim all liability for any damages, losses, or consequences arising from the use of or reliance on this calculator or the information provided herein. openluxe is not a lender, financial advisor, or tax professional and does not provide mortgage loans, financial advice, or tax advice. Use of this calculator does not create any professional relationship.

Market Opinion

Our perspective on current market conditions in . For informational purposes only — always consult a licensed real estate professional before making decisions.

Market Analysis
International luxury real estate typically appreciates steadily over time.
65
Buyer Score
Estimated regional appreciation: 4% annually
Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $141,000,000 20% down ($28,200,000)

Investment Perspective
$ $ $
$1 → $1.36
Every dollar invested today could become $1.36 in 10 years
$100 → 136 $1,000 → $1,362
+$12,116
$12,116/day
Your home may appreciate while you sleep
$85,046/week $368,531/mo $4,422,376/yr
$100K Investment Comparison (10 Years)
Real Estate (Leveraged)
$281K
S&P 500 Index
$259K
High-Yield Savings
$155K
Real estate leverage: potential 8% advantage over stocks
RENT 💸 -$77.6M
vs
OWN 📈 +$110.1M
$110.1M Potential Equity
vs $77.6M lost to rent over 10 years
$28.2M Down Payment Growth
3.9x
10yr
$110.1M
8.1x
20yr
$227.9M
12.6x
30yr
$356.1M
Wealth Comparison
×848
Equivalent to 848 average US homes
top 5%
US household wealth ranking
Median: $193K Yours: $356.1M
Time to Double Your Investment (accounting for market cycles)
42.4
years
Conservative
1.65% effective/yr
22.4
years
Market-Based
3.14% effective/yr
15.3
years
Optimistic
4.62% effective/yr
Projected Home Values (adjusted for market cycles)
10 Years
Conservative $166.1M +18%
Market $192.0M +36%
Optimistic $221.6M +57%
$110.1M est. equity
20 Years
Conservative $195.6M +39%
Market $261.5M +85%
Optimistic $348.2M +147%
$227.9M est. equity
30 Years
Conservative $230.3M +63%
Market $356.1M +153%
Optimistic $547.2M +288%
$356.1M est. equity

These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from World Bank and regional real estate market research | Estimates based on historical appreciation trends

Frequently Asked Questions

Common questions about this property

This apartment at Portugal features 3 bedrooms with 1,637 square feet of living space.
This property offers 1,637 square feet of living space.
This property is listed at $141,000,000, which equals $86133 per square foot.
Based on current market indicators, this area shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.

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