{"id":28537,"date":"2024-02-09T07:29:16","date_gmt":"2024-02-09T07:29:16","guid":{"rendered":"https:\/\/arr.pt\/?page_id=28537"},"modified":"2026-10-01T13:18:23","modified_gmt":"2026-10-01T13:18:23","slug":"property-meetup","status":"publish","type":"page","link":"https:\/\/arr.pt\/en\/real-estate-meetup\/","title":{"rendered":"Real Estate Meetup"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"28537\" class=\"elementor elementor-28537\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-amsection elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"amsection\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-amcolumn\" data-id=\"amcolumn\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-amwidget elementor-widget elementor-widget-shortcode\" data-id=\"amwidget\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"> <div id=\"arr-meetup\" lang=\"en\" data-no-translation>\n <section class=\"am-hero\" aria-labelledby=\"am-title\">\n <img fetchpriority=\"high\" decoding=\"async\" class=\"am-hero-image\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/hero.webp\" srcset=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/hero-mobile.webp 960w, https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/hero.webp 1920w\" sizes=\"100vw\" alt=\"Real Estate Meetup attendees seated at IDEA Spaces in front of the presentation screen\" width=\"1920\" height=\"1279\">\n <div class=\"am-wrap\"><h1 id=\"am-title\">Real Estate Meetup.<br>A conversation that mattered.<\/h1><p class=\"am-hero-lead\">We met in Lisbon to discuss property in Portugal: from choosing a development and arranging a mortgage to construction and licensing. Explore the photos and recording.<\/p><div class=\"am-actions\"><a class=\"am-btn\" href=\"#gallery\">See how it went <span aria-hidden=\"true\">\u2193<\/span><\/a><a class=\"am-ghost\" href=\"#video\">Watch the recording <span aria-hidden=\"true\">\u25b7<\/span><\/a><\/div><div class=\"am-route\"><span>Lisbon<\/span><span aria-hidden=\"true\">\u00b7<\/span><span>IDEA Spaces<\/span><\/div><p class=\"am-status\">The meetup has taken place<\/p><\/div>\n <\/section>\n <section class=\"am-section\"><div class=\"am-wrap\"><div class=\"am-intro\"><div><p class=\"am-kicker\">PROPERTY THROUGH PRACTICAL EXPERIENCE<\/p><h2>Different experts.<br>One shared conversation.<\/h2><\/div><p class=\"am-lead\">The first ARR Real Estate Meetup brought specialists and attendees together at IDEA Spaces. We explored practical questions about buying and building, heard from experts and made new connections.<\/p><\/div><div class=\"am-topics\"><article><span>01<\/span><h3>Buying and financing<\/h3><p>New developments, project selection and mortgages for residents and non-residents.<\/p><\/article><article><span>02<\/span><h3>From land to a home<\/h3><p>Construction, renovation, budgets, architectural projects and approvals.<\/p><\/article><article><span>03<\/span><h3>The market and investment<\/h3><p>Changes in 2024, taxes, investment projects and expectations for the market.<\/p><\/article><\/div><\/div><\/section>\n <section id=\"gallery\" class=\"am-section am-soft\"><div class=\"am-wrap\"><div class=\"am-gallery-head\"><div><p class=\"am-kicker\">MOMENTS FROM THE MEETUP<\/p><h2>How it went<\/h2><\/div><p>Presentations, questions from the audience and conversations in between. Select an image to see it in full.<\/p><\/div>\n <div class=\"am-grid\"> <a class=\"am-tile am-wide\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-27-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Together at IDEA Spaces\" data-am-description=\"Real Estate Meetup attendees seated at IDEA Spaces in front of the presentation screen\" aria-label=\"Open \u00b7 Real Estate Meetup attendees seated at IDEA Spaces in front of the presentation screen\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-27-thumb.webp\" alt=\"Real Estate Meetup attendees seated at IDEA Spaces in front of the presentation screen\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Together at IDEA Spaces<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-tall\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-02-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Architecture and projects\" data-am-description=\"A red-haired speaker holding a microphone explains an architectural project topic\" aria-label=\"Open \u00b7 A red-haired speaker holding a microphone explains an architectural project topic\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-02-thumb.webp\" alt=\"A red-haired speaker holding a microphone explains an architectural project topic\" loading=\"lazy\" decoding=\"async\" style=\"object-position:45% center\"><span class=\"am-caption\">Architecture and projects<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-small\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-30-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Questions from the audience\" data-am-description=\"An attendee in a dark suit smiling during a conversation with the audience\" aria-label=\"Open \u00b7 An attendee in a dark suit smiling during a conversation with the audience\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-30-thumb.webp\" alt=\"An attendee in a dark suit smiling during a conversation with the audience\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Questions from the audience<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-tall\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-14-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Construction in practice\" data-am-description=\"A speaker in a dark jacket and blue shirt presenting with a microphone beside the screen\" aria-label=\"Open \u00b7 A speaker in a dark jacket and blue shirt presenting with a microphone beside the screen\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-14-thumb.webp\" alt=\"A speaker in a dark jacket and blue shirt presenting with a microphone beside the screen\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Construction in practice<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-wide\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-04-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Discussing licensing\" data-am-description=\"A presentation on design stages with a speaker beside the screen and attendees at IDEA Spaces\" aria-label=\"Open \u00b7 A presentation on design stages with a speaker beside the screen and attendees at IDEA Spaces\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-04-thumb.webp\" alt=\"A presentation on design stages with a speaker beside the screen and attendees at IDEA Spaces\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Discussing licensing<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-small\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-28-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Listening and discussing\" data-am-description=\"Rows of meetup attendees watching a presentation attentively\" aria-label=\"Open \u00b7 Rows of meetup attendees watching a presentation attentively\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-28-thumb.webp\" alt=\"Rows of meetup attendees watching a presentation attentively\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Listening and discussing<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-tall\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-19-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Talking about mortgages\" data-am-description=\"A speaker in a suit and white trainers presenting beside a tall table with a laptop\" aria-label=\"Open \u00b7 A speaker in a suit and white trainers presenting beside a tall table with a laptop\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-19-thumb.webp\" alt=\"A speaker in a suit and white trainers presenting beside a tall table with a laptop\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Talking about mortgages<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-wide\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-22-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Figures on the screen\" data-am-description=\"A speaker holding a microphone points to a table on the large presentation screen\" aria-label=\"Open \u00b7 A speaker holding a microphone points to a table on the large presentation screen\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-22-thumb.webp\" alt=\"A speaker holding a microphone points to a table on the large presentation screen\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Figures on the screen<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-small\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-11-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"The meetup host\" data-am-description=\"The host in a dark suit standing between the presentation screen and the IDEA Spaces wall\" aria-label=\"Open \u00b7 The host in a dark suit standing between the presentation screen and the IDEA Spaces wall\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-11-thumb.webp\" alt=\"The host in a dark suit standing between the presentation screen and the IDEA Spaces wall\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">The meetup host<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-small\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-29-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Conversations between presentations\" data-am-description=\"Two meetup attendees sitting side by side and talking\" aria-label=\"Open \u00b7 Two meetup attendees sitting side by side and talking\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-29-thumb.webp\" alt=\"Two meetup attendees sitting side by side and talking\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Conversations between presentations<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-small\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-31-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Attention to detail\" data-am-description=\"Attendees in several rows listening to a presentation in the venue\" aria-label=\"Open \u00b7 Attendees in several rows listening to a presentation in the venue\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-31-thumb.webp\" alt=\"Attendees in several rows listening to a presentation in the venue\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Attention to detail<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-small\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-34-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Sharing experience\" data-am-description=\"Two attendees discussing a meetup topic while seated in the venue\" aria-label=\"Open \u00b7 Two attendees discussing a meetup topic while seated in the venue\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-34-thumb.webp\" alt=\"Two attendees discussing a meetup topic while seated in the venue\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Sharing experience<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-wide\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-32-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"New connections\" data-am-description=\"Attendees chatting beside the counter and glass lift at IDEA Spaces\" aria-label=\"Open \u00b7 Attendees chatting beside the counter and glass lift at IDEA Spaces\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-32-thumb.webp\" alt=\"Attendees chatting beside the counter and glass lift at IDEA Spaces\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">New connections<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-wide\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-36-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"A meetup in Lisbon\" data-am-description=\"Meetup attendees seated on steps along the venue wall\" aria-label=\"Open \u00b7 Meetup attendees seated on steps along the venue wall\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-36-thumb.webp\" alt=\"Meetup attendees seated on steps along the venue wall\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">A meetup in Lisbon<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-small\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-37-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"A shared conversation\" data-am-description=\"Several attendees chatting in a seated group beside a wooden partition\" aria-label=\"Open \u00b7 Several attendees chatting in a seated group beside a wooden partition\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-37-thumb.webp\" alt=\"Several attendees chatting in a seated group beside a wooden partition\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">A shared conversation<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-wide\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-13-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Projects in detail\" data-am-description=\"A wide view of a presentation with speakers beside the screen and the audience facing them\" aria-label=\"Open \u00b7 A wide view of a presentation with speakers beside the screen and the audience facing them\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-13-thumb.webp\" alt=\"A wide view of a presentation with speakers beside the screen and the audience facing them\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Projects in detail<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-small\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-09-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"Between presentations\" data-am-description=\"The host in a suit looking at his phone between presentations\" aria-label=\"Open \u00b7 The host in a suit looking at his phone between presentations\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-09-thumb.webp\" alt=\"The host in a suit looking at his phone between presentations\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">Between presentations<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n  <a class=\"am-tile am-small\" href=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-20-full.webp\" data-elementor-open-lightbox=\"no\" data-am-type=\"p\" data-am-caption=\"An expert presentation\" data-am-description=\"A speaker in a dark suit presenting with a microphone beside a screen showing a table\" aria-label=\"Open \u00b7 A speaker in a dark suit presenting with a microphone beside a screen showing a table\"><img src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-20-thumb.webp\" alt=\"A speaker in a dark suit presenting with a microphone beside a screen showing a table\" loading=\"lazy\" decoding=\"async\"><span class=\"am-caption\">An expert presentation<span aria-hidden=\"true\">\u2197<\/span><\/span><\/a>\n\n <\/div><\/div><\/section>\n <section id=\"video\" class=\"am-section\"><div class=\"am-wrap\"><div class=\"am-gallery-head\"><div><p class=\"am-kicker\">THE CONVERSATION, RECORDED<\/p><h2>The meetup recording<\/h2><\/div><p>Revisit the presentations or watch them for the first time. Most of the meetup is in Russian; the mortgage presentation is in English with interpretation. The topics and figures reflect the situation at the time of the meetup.<\/p><\/div><div class=\"am-recording\" data-am-video-title=\"Recording of the ARR Real Estate Meetup in Lisbon\"><button type=\"button\" class=\"am-recording-start\" data-am-recording=\"https:\/\/www.youtube-nocookie.com\/embed\/SFKSuuQkjuU\" aria-label=\"Play the recording\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/arr-meetup-2024\/photo-04-full.webp\" alt=\"Recording of the ARR Real Estate Meetup in Lisbon\" width=\"1800\" height=\"1199\"><span class=\"am-recording-overlay\"><span class=\"am-recording-play\" aria-hidden=\"true\">\u25b6<\/span><span>Play the recording<\/span><\/span><\/button><\/div><a class=\"am-recording-link\" href=\"https:\/\/www.youtube.com\/watch?v=SFKSuuQkjuU\" target=\"_blank\" rel=\"noopener noreferrer\">Watch the recording on YouTube <span aria-hidden=\"true\">\u2197<\/span><\/a>\n<div id=\"meetup-notes\" class=\"am-notes\" aria-labelledby=\"am-notes-title\">\n <h2 id=\"am-notes-title\">What we discussed<\/h2>\n <p class=\"am-notes-intro\">Six themes from the presentations, with a short overview and links back to the relevant parts of the recording.<\/p>\n <ul class=\"am-notes-list\"><li>Property prices: the difference between listings, bank valuations and completed transactions.<\/li><li>Development economics: land, own capital, banks, investors and sales.<\/li><li>Land and projects: PDM checks and the approval process.<\/li><li>Construction and ruins: what shapes budgets, schedules and unexpected costs.<\/li><li>Simplex and changes of use: the changes discussed and the questions each project still raises.<\/li><li>Mortgages: how banks assess income, risk and construction finance.<\/li><\/ul>\n <details class=\"am-notes-details\">\n  <summary>Read the detailed summary<span aria-hidden=\"true\">+<\/span><\/summary>\n  <div class=\"am-notes-body\">\n   <p class=\"am-notes-source\">A summary of the meetup recording. Statistics, project terms and bank offers reflect the time of the presentations.<\/p>\n   <article><h3>Reading property market statistics<\/h3><p>Oleg Zharov compared three sources of market data: asking prices, bank valuations and registered transactions. They describe different aspects of the market, so figures need to be understood in context before they are compared. The discussion also covered rental models, tourist accommodation, student housing and care homes as segments with different demand and economics.<\/p><a class=\"am-notes-fragment\" href=\"https:\/\/www.youtube.com\/watch?v=SFKSuuQkjuU&#038;t=40s\" target=\"_blank\" rel=\"noopener noreferrer\">Watch this part <span aria-hidden=\"true\">\u2197<\/span><\/a><\/article><article><h3>How a development project works<\/h3><p>Igor Coada discussed development projects and their sources of finance: own capital, bank loans, funds and private investors. He highlighted land selection, project checks and matching the product to its local market. The discussion also covered when sales begin, the role of a show apartment, working with agencies and investor participation. The terms of an individual project in the recording do not represent a general guarantee of returns.<\/p><a class=\"am-notes-fragment\" href=\"https:\/\/www.youtube.com\/watch?v=SFKSuuQkjuU&#038;t=957s\" target=\"_blank\" rel=\"noopener noreferrer\">Watch this part <span aria-hidden=\"true\">\u2197<\/span><\/a><\/article><article><h3>Land, architecture and approvals<\/h3><p>Dina Bag explained the difference between an architectural submission for approval and detailed construction documentation, together with the role of engineering designs and site supervision. Through examples of land and renovation projects, she showed the importance of the municipal PDM plan, permitted land use and confirming conditions with the municipality. Approval schedules and possible extensions were discussed in relation to individual plots and projects.<\/p><a class=\"am-notes-fragment\" href=\"https:\/\/www.youtube.com\/watch?v=SFKSuuQkjuU&#038;t=2444s\" target=\"_blank\" rel=\"noopener noreferrer\">Watch this part <span aria-hidden=\"true\">\u2197<\/span><\/a><\/article><article><h3>Construction budgets and renovation risks<\/h3><p>Serghei Litvinenco compared traditional construction, light steel framing (LSF) and timber homes through his own experience. He described how finishes, building services, material deliveries and site conditions affect cost and timing. The discussion of ruins focused on uncertainty about structural condition and the work required: a low purchase price alone does not establish the final restoration budget.<\/p><a class=\"am-notes-fragment\" href=\"https:\/\/www.youtube.com\/watch?v=SFKSuuQkjuU&#038;t=4093s\" target=\"_blank\" rel=\"noopener noreferrer\">Watch this part <span aria-hidden=\"true\">\u2197<\/span><\/a><\/article><article><h3>The discussion of Simplex<\/h3><p>Oleg Zharov addressed changes to property purchase, use and approval procedures under Simplex. Later, Dina Bag discussed converting non-residential premises into housing, including daylight, windows, the depth of the premises and the suitability of the layout. The discussion of simpler procedures did not suggest that any premises automatically become suitable for living in.<\/p><a class=\"am-notes-fragment\" href=\"https:\/\/www.youtube.com\/watch?v=SFKSuuQkjuU&#038;t=521s\" target=\"_blank\" rel=\"noopener noreferrer\">Watch this part <span aria-hidden=\"true\">\u2197<\/span><\/a><\/article><article><h3>How banks assess an application<\/h3><p>Bruno Oliveira explained property finance through risk assessment: the source and regularity of income, the applicant\u2019s commitments and collateral. The discussion covered the deposit, financing share, and fixed and variable rates. For construction, he described funds being released in stages alongside checks on completed work; for companies, the role of business history and possible guarantees. He also distinguished a preliminary bank calculation from a loan approval.<\/p><a class=\"am-notes-fragment\" href=\"https:\/\/www.youtube.com\/watch?v=SFKSuuQkjuU&#038;t=5475s\" target=\"_blank\" rel=\"noopener noreferrer\">Watch this part <span aria-hidden=\"true\">\u2197<\/span><\/a><\/article>  <\/div>\n <\/details>\n<\/div>\n<\/div><\/section>\n <section class=\"am-section am-soft\"><div class=\"am-wrap\"><div class=\"am-gallery-head\"><div><p class=\"am-kicker\">SPEAKERS AND ORGANISER<\/p><h2>Who shared their experience<\/h2><\/div><p>Development, construction, architecture, mortgages and the property market \u2014 different perspectives, brought together in one meetup.<\/p><\/div><div class=\"am-team\"><article><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/2024\/03\/igor.jpg\" alt=\"Igor Coada, Global Prime Im\u00f3veis\" width=\"120\" height=\"120\"><h3>Igor Coada<\/h3><span>Global Prime Im\u00f3veis<\/span><p>Development and investment projects<\/p><\/article><article><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/2024\/02\/litvinenco.jpg\" alt=\"Serghei Litvinenco, Seregal Constru\u00e7\u00f5es\" width=\"120\" height=\"120\"><h3>Serghei Litvinenco<\/h3><span>Seregal Constru\u00e7\u00f5es<\/span><p>Construction and renovation<\/p><\/article><article><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/2024\/02\/dina-bag.jpeg\" alt=\"Dina Bag, BAG Architecture\" width=\"120\" height=\"120\"><h3>Dina Bag<\/h3><span>BAG Architecture<\/span><p>Architecture and licensing<\/p><\/article><article><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/2024\/02\/bruno-oliveira.jpeg\" alt=\"Bruno Oliveira, Beyond Banking Portugal\" width=\"120\" height=\"120\"><h3>Bruno Oliveira<\/h3><span>Beyond Banking Portugal<\/span><p>Mortgages and bank financing<\/p><\/article><article><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/2024\/02\/zIMG_4671-e1707489352939.jpg\" alt=\"Oleg Zharov, ARR.pt Imobili\u00e1ria\" width=\"120\" height=\"120\"><h3>Oleg Zharov<\/h3><span>ARR.pt Imobili\u00e1ria<\/span><p>Organiser \u00b7 the property market<\/p><\/article><\/div><\/div><\/section>\n <section id=\"next-meetup\" class=\"am-section am-signup\"><div class=\"am-wrap am-signup-grid\"><div><p class=\"am-kicker\">FUTURE MEETUPS<\/p><h2>Let\u2019s keep<br>the conversation going.<\/h2><p class=\"am-lead\">Leave your contact details to hear about future ARR meetups. We will let you know when the date and programme of the next event are announced.<\/p><p class=\"am-note\">This is a request for future event announcements. The previous meetup has ended.<\/p><\/div><div class=\"am-form-card\"><h3>Hear about future meetups<\/h3>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f43047-o1\" lang=\"en-GB\" dir=\"ltr\" data-wpcf7-id=\"43047\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/28537#wpcf7-f43047-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\" data-trp-original-action=\"\/en\/wp-json\/wp\/v2\/pages\/28537#wpcf7-f43047-o1\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"43047\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_GB\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f43047-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"arr-form-language\" value=\"en\" \/><input type=\"hidden\" name=\"arr-source-page\" value=\"https:\/\/arr.pt\/en\/wp-json\/wp\/v2\/pages\/28537\" \/>\n<\/fieldset>\n<p><label>Name<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span><\/label><br \/>\n<label>Email<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span><\/label><br \/>\n<label>Phone (optional)<span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" autocomplete=\"tel\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span><\/label><br \/>\n<label>Message (optional)<span class=\"wpcf7-form-control-wrap\" data-name=\"textarea-827\"><textarea cols=\"40\" rows=\"3\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"textarea-827\"><\/textarea><\/span><\/label><br \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Future ARR Real Estate Meetups\" type=\"hidden\" name=\"meetup-interest\" \/><br \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Hear about future meetups\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n<\/div>\n<p class=\"am-privacy\">By clicking the button, you agree to our <a href=\"https:\/\/arr.pt\/en\/privacy\/\">privacy policy<\/a>.<\/p><p class=\"am-direct\">You can also contact us directly:<br><a href=\"tel:+351911755010\">+351 911 755 010<\/a> \u00b7 <a href=\"mailto:ola@arr.pt\">ola@arr.pt<\/a><\/p><\/div><\/div><\/section>\n <dialog class=\"am-lightbox\" aria-label=\"How it went\"><button type=\"button\" class=\"am-close\" aria-label=\"Close gallery\">\u00d7<\/button><div class=\"am-lightbox-media\"><\/div><div class=\"am-lightbox-bottom\"><button type=\"button\" class=\"am-prev\" aria-label=\"Previous item\">\u2190<\/button><p id=\"am-lightbox-caption\" class=\"am-lightbox-caption\" aria-live=\"polite\"><\/p><button type=\"button\" class=\"am-next\" aria-label=\"Next item\">\u2192<\/button><\/div><\/dialog>\n <\/div>\n <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-28537","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"The ARR Real Estate Meetup took place in Lisbon. 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