Golden Visa Guide

GOLDEN VISA GUIDE 金黄居留证指南

The Portuguese Golden Visa

葡萄牙的金 VＩＳＡ计划

On 9 October 2012 the Portuguese Government launched its Golden Visa Programme in a bid to attract foreign investment and boost the economy. Since then foreign citizens and their families wishing to enter and reside in Portugal have been able to do so under a Golden Visa/Golden Residence Permit programme.

在 2012 年 10 月 9 日葡萄牙政府发起了金Visa方案，以吸引外 国投资者进行投资和促进经济发展。自此，那些希望进入并 定居葡萄牙的外国公民及其家属可通过金Visa计划达成所愿 。

The Golden Visa programme is a simple, fast track process for foreign investors from non-EU countries to obtain a fully valid residency permit in Portugal (“Golden Visa”), and an easy route to becoming a full Portuguese passport holder with free access to live and work in Europe – for the family: spouse, children and parents.

In order to be eligible for the Program, the investor must make an investment in Portugal, in one of 3 ways: Capital transfer with a minimum value of 1 million Euro (e.g. bank deposit, acquisition of financial assets) Acquisition of real estate with a minimum amount of 500,000 Euro Incorporation of a company with at least 10 new job positions The investor must commit to maintain the investment for a minimum period of 5 years and must not have any previous criminal record in the Schengen Area or in the country of origin.

对于来自非欧盟国家要取得充分有效的葡萄牙居留权 ("金 Visa签证"）的外国投资者来说，金Visa签证方案是一种简单 、快速的办法，亦是成为完全葡萄牙护照持有人并在欧洲自 由生活和工作的最简单方法，包括其配偶、子女或父母。 若要符合该计划的资格，投资者必须以下三种方式之一在葡 萄牙投资： 资本转移，最低为 100 万欧元 (如银行存款、收购金融资产) 购买最少50万欧元的房产 注册一家公司，能提供至少 10 个新的工作职位 投资者必须承诺维持该投资最少 5 年期限，且在申根地区或 在原籍国，不应有任何前犯罪记录。

Some Key Points

几个关键点

With a Portuguese ‘Golden Visa’ visa / residency permit, the investor and their families will have access to the 25 other European statesin the Schengen area, including France, Germany, Spain, Italy, Switzerland and Sweden.

拥有葡萄牙金Visa签证/居留权，投资者及家属可进入申根地 区的其它 25个欧洲国家，包括法国、德国、西班牙、意大利 、瑞士和瑞典。

After being a resident for five years, applicants are entitled to Portuguese passports and permanent residency for themselves and their dependents.

Only seven days per year are required to be spent by the investor in Portugal.

The type of investment may be changed during the investment period (e.g.: initial deposit is then used to acquire property or to set up company that creates jobs).

The real estate acquired may be leased, generating revenues to the investor.

成为居民5年后，申请人有权为他们自己及家属申请葡萄牙 护照和永久居住权。 投资者每年只需住在葡萄牙七天。 可在投资期内更改投资类型 （例如： 开始存款然后用于购 置物业或成立创造就业机会的公司)。 购置的物业可以出租，增加投资者的收入。

Success The Portuguese Golden Visa Scheme has been a resounding success. In 2013 the program issued 542 residence permitsalone, and the government says more than double that amount is likely in 2014.

Affluent non-European Union citizens from fast growing markets like China, Russia, Brazil, South Africa and the United Arab Emirates as well as many other countries are attracted to the ease and simplicity of the program, as well as the attractive Portuguese living and investment climate. This is even more so as Portugal’s economy continues to recover.Chinese nationals make up the bulk of the demand for Golden Visa’s, around 78% of the residency permits have been awarded to Chinese nationals.

Here at PortugalProperty.com we have overseen a very large proportion of those visas, helping our clients gain Golden Visas every day of the year, something we are very proud of.

We are Portugal's largest and leading Golden Visa real estate agency with offices throughout Portugal. We have many years of experience in the property market in Portugal and are a one-stop Property shop, meeting all of your requirements when it comes to purchasing property in Portugal. Here at Portugal Property our multilingual team will guide any client through the buying process and ensure they obtain their Portuguese Residency.

Client Testimonials Natascha just has the professionalism and enthusiasm that an excellent property consultant should have.

ERIC HEOCTOBER 06 2014

Very friendly and professional, Colin knew the area from inside out and shown us some fantastic properties.

We found our dream home here in Vilamoura and we would very much like to recommend your company to our friends when we will be going back in China.

XAOLE DU ANMAY 29 2014

We have had a very pleasant, wonderful, useful and all the best feelings at viewing every property with Colin.

We sincerely appreciate everyone in your company, you made our dream to become true, now having a holiday home here in Algarve.

Thank you !

GORDON LIMNOVEMBER 14 2013

成功 葡萄牙金Visa签证计划已取得圆满成功。单单在 2013 年就签发542 份居留许可，根据官方说法 2014 年这个数字很可能翻倍。 一些快速增长的市场，像中国、俄罗斯、巴西、南非和阿拉伯联合酋长国，以及许多其他富裕、非欧盟的国家的公民，被该简 单易行的计划及极具吸引力的葡萄牙生活和投资环境所吸引。这几年葡萄牙的经济继续复苏，情况更是如此。中国公民成为大 部分的金Visa签证需求量的主力军，约78%的居留许可证已经授予中国公民。 在 PortugalProperty.com 这里，那些签证中的很大一部分是通过我们来进行受理的，在一年中的每一天里我们都在帮助我们的客 户获得金Visa签证，同时这也是我们感到非常自豪的事情。 我们是葡萄牙最大的和最领先的金Visa签证房地产代理，在葡萄牙各地均设有办事处。我们在葡萄牙物业市场上具有多年的经 验，是一间一站式物业商店，就葡萄牙置业而言，我们能更满足您的所有需求。在Portugal Property这里，我们有多语种的团队 ，会引导客户进入购买程序，并确保他们获得葡萄牙居留身份。

客户评价 Natascha 具有优秀地产顾问应有的热情和敬业精神。 埃里克 ・ 何 2014年 10 月 6 日

非常友好和专业，柯林知道这个地区的底细，给我们展示一些不错的物业。 我们在维拉摩拉这里找到我们的梦想家园，当我们回去中国的时候， 我们也很想向我们的朋友推荐贵公司，。 段晓乐 2014 年 5 月 29 日

在跟柯林看每个物业，我们感到非常愉快。 我们衷心感谢在贵公司的每个人，你让我们的梦想将成为现实， 如今在阿尔加维有一个假期住宅了。 谢谢！ 戈登・林 2013 年 11 月 14 日

Why Portugal?

Favorable Tax Conditions With its exceptionally attractive fiscal benefits, some bigger accountancy firms say Portugal is fast becoming the most interesting destination in terms of tax planning. The new tax incentive scheme by the Portuguese Government allows individuals to become tax residents in Portugal and benefit from zero tax on foreign income.

Non-habitual residents tax regime This special tax regime is applicable to individuals who have not been considered and taxed as tax residents in Portugal in any of the previous 5 years. The main features of the regime are: Flat tax rate of 20% on employment and business or professional income arising from a Portuguese source derived from “high added-value� activities of a scientific, artistic or technical nature. Such activities include Board members of certain companies and senior employees Employment income from a foreign company may qualify for an exemption, if taxed abroad. For business and professional income, capital gains, rental income and investment income, the exemption may be granted if the income may be taxable in the country of source (in accordance with tax treaty provisions) Pension income may be fully exempt for foreign pensions (regardless of effective taxation abroad or right to tax in the source country)

Inheritance & gift tax Portugal has a very favorable inheritance & gift tax regime: Certain assets and rights are not taxable based on territoriality rules Full exemption for spouse, ascendants and descendants (except the 0.8% stamp duty levied on gifts of Portuguese real estate) Taxation at a rate of 10% whenever the exclusions and exemption are not applicable

Wealth taxes Portugal does not have a wealth tax, except some minor taxes on real estate (up to 0,8% annual municipal property tax, plus 1% stamp duty in case of residential property with a tax value exceeding 1,000,000 Euro).

为什么定居葡萄牙？ 有利的税务条件 凭借着其极具吸引力的财政前景 ，一些大规模会计公司说，葡萄牙正迅速成为在税收筹划方面最有利的目的地。葡萄牙 政府在新的税收计划中鼓励并允许个人成为葡萄牙纳税居民并且其在葡萄牙和零税率的外汇收入中获益。

非惯常居住居民的税收制度 这种特别的税收制度适用于前5年中的任何一年里都没有 被认定为葡萄牙税务居民，因此没有付税 的人士。该税制 的主要特色如下： 源自葡萄牙的受雇及商业和专业收入，涉及性质属于 “高增值”的科学、艺术或技术活动 ，划一税率20%适 用。这些活动包括担任某些企业的董事会成员和高级 员工 如已在海外征税，外国企业的受雇收入符合豁免条款。 就企业和专业收入、资本收益、租 金收入和投资收入 而言，如果收入在来源国（根据税务条约条款）可能 会征税，就可豁免 如养老金在海外获取，养老金收入可全数豁免（无论 海外实际税务处理如何或来源国是否 有征税权）

遗产税和馈赠税 葡萄牙有十分优惠的遗产税和馈赠税制： 根据地区法规，有些资产和权利无需征税 配偶、父母及子女全数豁免（葡萄牙房地产馈赠需按 0.8%税率支付印花税除外） 例外及豁免条款不适用的情况下需按10%税率征税

财富税 葡萄牙并没有征收财富税，有些金额较小的房地产税除外 （年度市房产税不高于0.8%，如住房税务价值超过100万 欧元，另加1%印花税）。

Great Investment Opportunities Location

Qualifications

地

Portugal is the Westernmost country of Continental Europe, facing the Atlantic Ocean. With an area of 92,000 km2, the country represents an Exclusive Economic Zone of 1.7 million km2, the 10th largest in the world.

Portugal is listed by the Human Development Index (United Nations Development Program) in the “very high human development” group of countries. Data from the national investment promotion agency indicates that 42% of the population speaks at least one foreign language and 23% speak two foreign languages. With more than 440 thousand foreigners officially living in Portugal, and with the country ranking in 2nd place within the 34 countries listed in the Migrant Integration Policy Index, it’s one of the countries in Europe where it is easiest to set up a multilingual team.

葡 9 是

Business Environment The Ease of Doing Business Index (World Bank) ranks Portugal in 30th, out of 185 countries. A continuous stream of reforms, directed to the reduction of red tape, has resulted in the streamlining of approval processes and in all major public services being available on-line. As a result, the country has moved up 20 positions in this ranking since 2006. New reforms being discussed and implemented are likely to sustain or improve the current position.

Investment Protection Portugal and China have an Investment Protection and Promotion agreement, effective since 1992. The two countries have also signed an agreement to prevent double taxation. Similar specific agreements exist also for the Macau and Hong Kong Special Administrative Regions.

Foreign investment is welcome in Portugal, with all activity sectors open to private investors (concessions must be negotiated for public service activities or access to natural resources).

All companies are equal under the Law, without any discrimination between local and foreign investors.

Competitive Costs Portugal has the lowest average wages in Western Europe, resulting in competitive operational costs for most activities.

The abnormally high unemployment rate and the estimated lengthy road back to growth are indicators of limited pressure on wages in the medium term.

Prices for industrial and office space have been declining as demand decreased. This results in opportunities either for the acquisition of real estate to develop and lease or for the setting up of local industrial or service operations.

Infrastructure and Industries Portugal was the first country in Europe to have a fully digital telecommunication network and was also an early adopter of fiber optics. The latest ITU fixed broadband penetration ranking lists Portugal in 36th place, out of 183 countries.

The country has excellent energy infrastructure, as well as excellent roads, rail, sea and air links.

Portugal has many well developed industries that are growing and in many areas Portuguese companies are world leaders.

These industries include: Agriculture and Food Processing; Wood, Paper and Pulp; Engineering and Tooling; Automotive; Textiles, Clothing and Shoes; Tourism;Services; Mining; Oil and Gas; and of course Real Estate.

营

世 第 审 2 应

投

葡 国 行 葡 于 法 间

竞

葡 都 中 由 此 地

很好的投资机会 地理位置

资质

葡萄牙是欧洲大陆最西面的国家，面临大西洋，面积为 92,000 平方公里，管理面积为170万平方公里的专属经济区， 是世界第10位。

联合国开发计划署的人力开发指标把葡萄牙列入“人力开 发 十分高”的国家之中。该国投资促进机构的数据显示， 42% 的人口能讲最少一种外语，23%能讲两种外语。鉴于44万以 上的外国人合法在葡萄牙居住，而且该国在移民整合 政策指 标的34个国家中排列第二，葡萄牙是欧洲较容易调动能讲多 种语言的成员组成团队的欧洲国家之一。

营商环境 世界银行的营商简易程度指数把葡萄牙列为185个国家中排列 第30位的国家。葡萄牙持续进行减少官僚主义的改革，理顺 审批流程及推出所有主要公共服务的线上服务。因此， 自 2006年以来，该国的排名上升了20位。讨论和实施的新改革 应可让当前状况得到维持或改善。

投资保障 葡萄牙和中国有投资保障和促进协议，自1992年起生效。两 国也已签署协议避免双重征税。澳门特别行政区和香港 特别 行政区也有类似的特定协议。 葡萄牙欢迎外国投资，所有行业都对私人投资者开放。投 资 于公营服务或获取天然资源则必须事先商议，获得许可。 法律下所有企业都是平等的，没有对于本地和海外投资者 之 间的歧视。

竞争成本 葡萄牙在西欧的平均工资最低，因此大部分活动的营运成 本 都有竞争力。特高的失业率和预计恢复增长道路漫长都 表明 中期工资增长的压力很少。 由于需求较低，工业用途房产和办公室价格一直在下降， 因 此投资者有机会购入房地产用于开发和租赁，或用于设 立本 地工业或服务业务。

基础设施和产业 葡萄牙是欧洲拥有全数字电信网络的首个国家，并且也是最 早采用光纤的国家。最新的国际电联固定宽带普及率排名表 中，葡萄牙在 183 个国家排名第 36位。 该国拥有良好的能源基础设施，以及优秀的公路、铁路、海 上及空中网络。 葡萄牙具有很多仍在增长的成熟产业，在许多领域中葡萄牙 公司都成为世界的领先者。这些行业包括： 农业和食品加工 ；木材、纸张和纸浆 ；工程和模具 ；汽车 ；纺织品、服装 和鞋 ；旅游 ；服务 ；挖掘 ；石油和天然气 ；当然还有房地 产等等。

Beautiful Living Environment

美好的生活环境

Climate and Scenery

Portugal is home to fresh breezes off the Atlantic that are lightly kissed with the scent of the sea, day after day of sunny, temperate weather that makes doing anything at all outdoors a simple joy, traditional, colorful boats that bob in small harbors after bringing in the fresh catch that now awaits your dining pleasure, and where ancient history has infused every aspect of this picturesque country filled with hospitality, tradition and modern convenience. TheAlgarve, with its spectacular sandy beaches and picturesque rocky coves in particular is well known for its clean air and temperate climate. The coastlineis simply breathtaking and the diversityof beaches, covesand islandsmakesavisit to the shore line worth while at anytime of the year.

气候和风景 在葡萄牙，来自大西洋的微风夹着大海的气味，每天阳光灿烂，气候温和，在户外无 论做什么都如此的愉快，传统而又色彩鲜艳的小船，带回新鲜的渔获后停在小渔港， 正等待着你的就餐乐趣，古老的历史已注入到这个风景如画的国家的方方面面，充满 热情好客、传统及现代带来的方便。 阿尔加维，拥有壮观的沙质海滩，尤其是如诗如画的岩石海湾，以干净的空气和温和 的气候而著名。海岸线令人拍案叫绝，海滩、海湾和岛屿的多样性使得无论任何时候

Culture and Arts Portuguese culture is diverse and finds expression in ways that give Portugal its unique personality; like the history, local traditions, the cuisine, the people’s love for performing art.

During the summer there are many local festivals where the Portuguese celebrate their culture and enjoy activities such as traditional dance, music concerts and the theatre amongst many other things. The country has a rich tradition of film, theatre, literature, music and dance where the vibrancy of the

文化和艺术 葡萄牙具有多种多样的文化，并且体现在其独特的个性 ；像历史 、当地的传统，菜肴，人们对表演艺术的热爱。暑假期间会有很多 当地的节日，葡萄牙人在这些节日庆祝他们的文化以及享受传统舞 蹈、音乐会，戏剧等活动。这个国家有丰富的电影、戏剧、文学、 音乐、舞蹈传统，文化的活力在这里得以尽情体现。

Sports and Activities The Portuguese themselves tend to like free outdoor activities like taking a walk, going to the park or the beach or meeting friends and family for a picnic. The most popular sports are football, tennis and golf (see below), but there is also water sports like windsurfing, kayaking, sailing and kite surfing.

Motorsports, cycling and athletics are also popular, as are some traditional sports such as bull fighting.

康体活动 葡萄牙人本身倾向于免费的户外活动，如散步，逛公园或海滩，或 者跟朋友和家人野餐。最流行的体育运动是足球、网球和高尔夫 （见下文），但也有像帆板、皮划艇、帆船和风筝冲浪等水上体育 运动。赛车、自行车和田径也很受欢迎，以及一些如斗牛那样的传 统体育。

Golf If you like golf, Portugal is the right place to be with its many fantastic golf courses; in fact Portugal has about 80 golf courses all of very high quality and stunning landscapes. Although you can find great golf courses all over the country, Portugal has two main golf regions; Lisbon Golf Coast with 24 golf courses from Setubal to Estoril, Cascais and Sintra and The Algarve Golf Courses where you can play on one of the 30 different courses around Lagos, Portimão, Silves, Albufeira, Vilamoura, Quinta do Lago, Vale do Lobo and Tavira.

高尔夫 如果你喜欢高尔夫，到葡萄牙就来对了地方了，它有很多极好的高尔夫球 场 ；实际上葡萄牙大约有 80 座高尔夫球场，都是非常高质量的，并且拥有 令人惊叹的风景。虽然全国各地你都能找到很不错的高尔夫球场，但葡萄 牙有两个主要的高尔夫区域 ；里斯本高尔夫海岸，具有24 条高尔夫球道， 从塞图巴尔到埃斯托里尔、卡斯卡伊斯和辛特拉；阿尔加维高尔夫球道， 您可以玩 30 条位于拉各斯、波尔蒂芒、锡尔维什、阿尔布费拉、塔维拉、 昆塔周围的不同球道之一。

Family

家庭

Portugal is a great place for families. It is very a safe place, with a clean, warm environment and an excellent health and education system.

The quality of health care facilities in Portugal has improved enormously during the last ten years and Portugal now has an excellent health care system.The World Health Organization ranking of health systems lists Portugal in 12th out of 190 countries. This combined with the good diet and quality environment means the life-expectancy in Portugal is very high.

葡萄牙是家庭的好去处。它是一个非 常安全的地方，有着干净、温馨的环 境，以及优秀的卫生与教育制度。过 去十年间，葡萄牙的卫生保健设施的 质量已经得到极大地改善，葡萄牙如 今拥有优秀的保健系统。世界卫生组 织的健康排名系统把葡萄牙排在190 个国家中的第12位。这些再结合良好 的饮食习惯和高质素的生活环境，使 葡萄牙人的人均寿命非常高。

In Portugal public schooling is free and there are several private international and English schools in Portugal and the Algarve offering high standard education to foreign as well as Portuguese children and young people.

Portuguese state schools are keen to offer Mandarin Chinese as a language option and several of the international schools cater to Chinese students. Older students are also welcomed in Portuguese universities. Many of Portugal Properties Chinese staff are graduates of these elite institutions.

在葡萄牙，公立学校免费，在葡萄牙 和阿尔加维有几间私立国际和英语学 校，向外国以及葡萄牙的儿童和青少 年提供高质量教育。葡萄牙的公立学 校正热衷于提供汉语作为一种语言选 择，好几个国际学校亦照顾中国学生 需求。在葡萄牙大学也欢迎年纪稍大 的学生。许多Portugal Properties的中国 员工是这些精英院校的毕业生。

Finally, Portugal is a very stable country, with a generally quite traditional and conservative people. It is a democratic republic with an established system of government, both presidential and parliamentary. The transport system in Portugal is well developed and the infrastructure is good with an excellent network of roads. Public transportation is cheap, easy and very efficient.

The country has a good mix of tradition and cosmopolitanism and the people are very pleasant, nice and extremely polite. Approximately 85% of the population are Roman Catholics and most still want to be baptised and get married in church.

最后， 因为一般居民一般来讲比较相 当传统和保守，所以葡萄牙是一个非 常稳定的国家。它是一个具有成熟政 府系统的一个民主共和国，实行总统 制和议会制。葡萄牙的运输系统十分 发达，基础设施良好，具有发达的道 路网络。公共交通便宜、方便和高效 。 该国传统与世界文化交融，人民非常 有亲善礼貌，受人欢迎。大约 85%的 人口信奉罗马天主教，大多数人仍想 要在教堂洗礼和结婚。

Travel Portugal is situated in South Western Europe bordering the North Atlantic Ocean and the west of Spain. Flights to the main airports from all over Europe make a weekend trip to Paris, Rome, London and elsewhere possible. Due to its relatively central location, flights to China, India, US, and Africa, are also convenient.

旅行 葡萄牙坐落在西欧南部，与大西洋北部和西班牙西部相邻。从欧洲主要机场的航班使 到飞到巴黎、罗马、伦敦和其他地度过周末成为可能。由于其相对较中央的位置，飞 往中国、印度、美国和非洲的航班也比较方便。

Site Seeing As well as the stunning coast-line, Portugal also has many beautiful national parks where you can go for walks and experience amazing natural phenomena, rare animals and stunning nature. It is also possible to go whale and dolphin watching both near Lisbon and in the Algarve where dolphin watching trips are widely available from many of the bigger marinas.

场所参观 除了令人惊叹的海岸线，葡萄牙也有很多美丽的国家公园，在那里你 可以去散散步、体验奇妙的自然现象、珍稀动物和令人惊叹的自然世 界。也可以去里斯本附近和阿尔加维看鲸鱼和海豚，在许多大点的游 艇码头就有阿尔加维海豚旅行。

Food and Drink International cuisine ranging from Chinese and Thai to French and Italian and of course Portuguese seafood specialties are all available. The Mediterranean diet is well known for its combination of tastiness and healthiness. Chinese ingredients are available at the local market for home cooking.

Another popular activity is wine tasting where you can see the vineyards, learn about local wine including production techniques and traditions and of course try some of the lovely Portuguese wines.

食物和饮料 从中国菜、泰国菜到法国菜、意大利菜，当然还有葡萄牙海鲜特色菜等国际 美食一应俱全。地中海饮食是众所周知的味道和健康的结合。中餐材料亦可 在本地市场购得，然后在家里烹饪。 另一个受欢迎的活动是品酒，你可以参观葡萄园，了解当地葡萄酒，包括生 产工艺和传统，当然，还可以尝试一些好的葡萄牙葡萄酒。

Shopping Portugal has everything from small local markets to huge shopping malls and trendy little boutiques, where all the latest European fashions and brandnames are available. Rome, Paris, and London - the fashion capitals of the world - are also only an hour away.

购物 葡萄牙的货品应有尽有，从当地小市场到大型购物中心时尚的精品店，所有 最新的欧洲时尚和品牌名称都可在此买到。罗马、巴黎和伦敦 —世界时尚 之都— 也只有一个小时的路程。

Why Real Estate?

Due to the country's strict building laws, there was not the huge surplus of unfinished and unsold properties that existed in other countries, for example, Spain. There was no bubble effect before the global financial crises and prices residential property valuation declined only 3%, on a yearly basis, between 2010 and 2012. The property market now seems to have stabilized. Buyer demand and transactions are increasing in Portugal and prices are rising in the Algarve, while staying stable in Lisbon. This quick turnaround is partially due to the boost to the housing market of Golden Visa sales to Chinese, something which is set to continue. Thus far Chinese nationals dominate the Golden Visa market, with 1,101 Golden Visas granted to Chinese already.

Further, a large number of new projects, for housing, tourism or mixed purposes, fully licensed, were suspended before the crisis and present opportunities for favorable acquisition prices and fast time-to-market.

The Global Property Guide lists Portugal as one of the European countries with highest gross rental yields on residential property, at 5.8%.

If there was ever a time to buy Portuguese property now would be it!

为什么购买房地产？ 由于该国的严格的建筑法规，并不会像其它国家那样有大量的未 装修和未出售的房屋，比如说像西班牙。在全球金融危机之前并 未受泡沫影响，2010年至 2012 年之间，住宅物业价格每年下降仅 为 3%。现在房地产市场似乎已趋于稳定。在葡萄牙，买方需求 和交易都逐步上升，在阿尔加维的价格则在上涨，在里斯本价格 则比较稳定。这种快速的转变，部分是由于中国人对金Visa签证 地产市场的持续推动作用。到目前为止，中国公民占据金Visa签 证市场的显著地位，已经向中国人签发 1,101份金Visa签证。 此外，一大批获得完全许可的住房、旅游或混合的用途新项目， 在危机时已经停工，目前价格最具优势。全球房地产指南将葡萄 牙列为住宅净租金收益率（在 5.8%）最高的欧洲国家之一。 如果说有购买葡萄牙物业的最佳时间，那么就是现在 ！

GOLDEN RESIDENCE PERMIT PROGRAMME (ARI) l data from the 08th of october 2012 to the 30th of september 2014

Main Nationalities

1564

Residence permits for pursuing investment activities (ARI)

2012 - 2 2013 - 494 2014 - 1068

2190

China - 1249 Russia - 50 Brazil - 49 South Africa – 40 Lebanon – 30

Total investment

949.717.333.13€ 86.060.161.39€ by capital transfer 863.657.171.74€ by purchasing a real estate property

1487

ARI by acquiring real estate

74 ARI by transferring capital

Residence permits to family members

3 ARI by creationg, at least,10 job positions

2013 - 576 2014 - 1614

葡萄牙黄金居留证项目 (ARI) l 数据自2012年10月的08th至2014年9月30日

Main Nationalities

1564 通过投资计划获得居留证(ARI) 2012 - 2 2013 - 494 2014 - 1068

项目总投资

949.717.333.13€

中国- 1249 俄罗斯- 50 巴西 - 49 南非–40 黎巴嫩–30

86.060.161.39€ 通过资本转移

863.657.171.74€ 通过购买房地产

2190 家庭成员得到的居留证 （家庭团聚）

2013 - 576 2014 - 1614

1487ARI 通过购买房地产 74 ARI 通过资本转移 3 ARI 通过创造至少 10 个就业岗位

ABOUT US

关于我们

PortugalProperty.com® provides both home sellers & buyers with a totally innovative Portugal Property solution.

PortugalProperty.com为住宅卖方和买方提供完全创新的葡萄牙房产解 决方案。

PortugalProperty.com® contains a wealth of information to help you learn more about buying & selling property in Portugal. We are the Largest Portugal Property agency in the country with offices throughout Portugal. We have many years experience in the property market in Portugal. We are a one-stop Property shop, and will meet all of your requirements when it comes to purchasing property in Portugal.

If you are looking to buy a beautiful holiday home, a Portugal property investment or a buy-to-let, Portugal Property has the very best selection of properties available throughout all the regions of Portugal. You need look no further than PortugalProperty.com®

PortugalProperty.com包含丰富的信息，以帮助您了解更多关于在葡萄 牙购买和出售房产的知识。我们的办事处遍及葡萄牙，是最大的葡萄 牙房产代理。我们对葡萄牙房产有着多年的经验。我们是一站式房产 商铺，将满足您在葡萄牙购买房产的所有要求。

Agency We happily showcase our properties and services through our website, and we hold all the necessary professional qualifications and memberships of trade associations, which means that we are tied to a strict code of conduct when dealing with all members of the public. We have proven time and time again, that our services are first class and strive for the best for all of our clients.

Developers You will find that some agents are happy to include all developments in Portugal to their property portfolio, without carefully vetting the developer. This is not the case with PortugalProperty.com, as we will only market developments which reach the high standard that all of our clients have come to expect, set within our set of stringent criteria.

Professionals Here at PortugalProperty.com® we work closely alongside only the most respected expert legal and financial organisations. If you have any questions about financing a property purchase and any legal matters, we can provide through a team of experts, the most professional advice possible.

Our Investment to You We have invested heavily in all parts of our company and in both our sales department & after sales department we employ bi-lingual staff. We endeavour to invest all our time finding and matching the requirements which are set to us. We are a forward thinking, client orientated Property Company. At PortugalProperty.com we deliver on our promises and our first class service & reputation speaks for itself.

Dedication The team of experts at PortugalProperty.com® are totally dedicated to helping turn your dreams of owning a property in Portugal into a reality. Our first class service in helping people find property in this wonderful part of the world is down to the hard work put in by all members of our staff and through the additional support from our partners and clients. We will happily look at each of our client’s property wants, needs and wishes and will do our very best to match them with exciting Portugal properties. We will support you all the way in your quest for the dream property in Portugal.

如果您想购买一座美丽的度假住宅、葡萄牙房产投资或购房用于出租 ，Portugal Property拥有葡萄牙所有地区的最佳房产。您只需浏览 PortugalProperty.com®

代理 我们很高兴通过我们的网站来展示我们的房产和服务，并且我们拥有 所有必要的专业资质和行业协会的会员资格，这意味着在对待普通大 众时，我们将受到严格的行为准则的约束。我们已经一次又一次地证 明了我们的服务是一流的，为我们所有客户争取最好的。

开发商 您会发现一些代理喜欢把葡萄牙的所有楼盘都纳入他们的房产系列， 而不仔细审查开发商。PortugalProperty.com并非如此，我们只销售达 到我们所有的客户所期望的、在我们的严格标准范围内的高水准的楼 盘。

专业人员 在PortugalProperty.com®，我们只与最受尊敬的专业法律和金融机构 密切合作。如果您对融资购买房产以及任何法律事务有任何问题，我 们可以通过一个专家小组为您提供最专业的建议。

我们对您的投资 我们大量投资于公司的所有部分，投资于销售部门和售后部门，雇佣 双语员工。我们竭力投入所有的时间查找和匹配规定的需求。我们是 一家思维超前、以客户为导向的房产公司。在PortugalProperty.com， 我们履行我们的承诺，我们一流的服务和信誉就是证明。

献辞 PortugalProperty.com®的专家团队完全致力于帮助实现您在葡萄牙拥 有一座房产的梦想。在帮助人们在这个神奇的地方找到房产的过程中 ，我们的一流服务归因于我们所有工作人员的努力工作，以及我们的 合作伙伴和客户的额外支持。我们将高兴地对待我们每个客户的房产 需求、需要和愿望，并且会尽最大的努力用令人兴奋的葡萄牙房产来 满足他们。我们会在您追求葡萄牙梦想房产的全过程中支持您。

How Portugal Properties can help We listen We listen to corporate investors who buy 30 apartments, we listen to private investors who buy 2 or 3 apartments, and we listen to a couple wanting a holiday home, we listen to relocation clients who buy a home or business and we listen to retirement clients who may need extra help with healthcare and financial arrangements.

Then we advise, recommend and guide you through a structured process that will deliver what you require. Every client has a right to return home delighted with the advice and service we have given.

Once you agree to dedicate some of your time to us you will receive the following services;

能怎样帮你 我们聆听 我们既聆听购买 30 套公寓的企业投资者的声音、我们也聆听买2 或 3 套公寓私人投资者的声音，我们还聆听想要一套假期住宅的一对夫 妇的声音， 我们聆听买一套房子或物业的搬迁顾客的声音，我们聆 听可能需要额外帮助的医疗和财务安排的退休客户的声音。 然后我们建议、推荐和指导您完成一个满足你要求的结构式处理过 程。每个客户有权返回家园并对我们给予的咨询和服务满意。 一旦你同意让我们帮您操作，您将收到以下的服务 ；

Company Presentation

公司介绍

• Flight Booking

・ ・ ・ ・ ・ ・ ・ ・ ・ ・ ・ ・ ・

• Airport Pick-up and Return • Hotel Accommodation /Portugal Property Tour • Mortgage Options and Advice • Buying Costs • Rentals • Location Appraisal and Viewing • Recommended Property Options • Buying Process

预定航班 机场接机并返回 酒店住宿/葡萄牙财产之旅 按揭方案和建议 购买成本 租赁 位置评估和观看 建议物业选项 购买流程 法律程序 评估和后续服务 售后服务解决方案 家具包

• Legal Process • Evaluation and Way Forward • Aftersales Solutions • Furniture Packages

We want to share our knowledge so you can benefit from a sound investment or enjoy the lifestyle waiting for you.

我们想要分享我们的知识，以便您可以从一项可 靠的投资中获益，或者可以享受正在等着你去享 受的生活方式，。

We can see you when you are here in Portugal or our preferred option is our Portugal Property.com Portugal Property Tour.

我们可以在葡萄牙这里见到你，或我们首选的选 择通过我们网站PortugalProperty.com的 葡萄牙物 业之旅。

The Buying Process in Portugal First Reservation When you have found your Portugal property and you are ready to make an offer, it is normal procedure that the buyer will make a realistic offer via the agent who showed him the property. As your agent PortugalProperty.com™ will proceed to negotiate a deal that you are happy with and to the satisfaction of the vendor. It is very important at this stage that both parties, you the buyer and the vendor understand what is included in the purchase, and what is not. It is then expected that the buyer lodges typically a €6000 Reservation deposit with his own lawyer as a proof of his intention to complete the purchase, and the Vendor will take the property out of the market.

在葡萄牙的购买过程 首先

预订 当你已经找到你的葡萄牙房产，你就可以提供您的报价，买方将通过带他看 过房产的代理发出一份比较实际报价，这是一个正常的程序。作为你们的代 理， PortugalProperty.com 将着手谈判，以便可以达成一项你和卖家双方 都满意的协议。在这一阶段，非常重要的是，双方（你买方和卖方）理解这 笔交易包括什么和不包括什么。然后买方通常会存 6000 欧元订金给自己的 律师，作为他打算完成购买的证明，然后卖家从市场上撤下这套房产。

Second Promissory Contract of Sale and Purchase (ContratoPromessa de Compra e Venda) Usually within 14 of signing the “Reservation Form” both buyer and vendor enter in a promissory agreement identifying clearly the following: • The agreed price • Exactly who is the buyer and vendor • The date of exchange and of the completion of contract • What is included in the purchase, e.g. furniture, golf membership, etc, in the form of an attached inventory list • Payment Terms • Any other terms and conditions This type of contract is used in almost all transactions made in Portugal and is legally binding both parties. This contract will establish in detail all procedures by which the transaction will be effected and the conditions of sale, such as stage payments and the maximum term allowed for completion, and exactly who the buyers and vendors are. A deposit mustbe paid when signing this promissory contract of sale and purchase to the vendor, normally 30% of the total purchase price agreed less the reservation deposit. This contract can be signed personally by the parties or by the lawyers acting for them based on a power of attorney

其次

约定的销售合同 通常签署"预订表"后的14天，买家和卖家达成一份约定合同，清楚地确定了 以下约定协议中的： ・ 商定的价格 ・ 明确谁是买方和卖家 ・ 交易的日期和完成合同的日期 ・ 这笔交易具体包括什么，例如家具、高尔夫俱乐部会员等，以附表形式载 明。 ・ 付款方式 ・ 任何其它条款和条件 在葡萄牙产生的几乎所有交易中都使用这种类型的合同，其从法律上约束双 方当事人。本合同将详细制定该笔交易所涉及的程序，包括销售条件，如分 阶段付款和完成合同允许的最长期限，以及明确谁是买家和卖家。签署本约 定买卖合同后，买家必须付款（通常总销售合同的 30%减去预付款）给卖家 。本合同可以由缔约方亲自或由授权律师代表他们签署。

Third Public Deed (Escritura) Upon completion, the Public Deed will be signed in front of a Portuguese Notary who will intern check all the documents in the purchase and ensures that the purchaser has paid the Purchase Tax (IMT). The Notary office will issue certified copies of the corresponding entry and this serves as official proof the transaction has been made lawful and at this stage the balance of the agreed purchase price is paid in full.

With the Public Deed and all the transaction completed, the buyer’s lawyer will then proceed to register the new owner of the property into the Land Registry (RegistoPredial) and will give copy of registration to the new owner.

At this stage you are the owner of your Portuguese Property and it’s time to start living the Dream!

第三

公共契约 (Escritura) 完成后，将在葡萄牙公证处前签署公共契约，公证处会交叉检查所有的购买 文档， 并确保已缴付购置税 （IMT）。公证处将发出经核证的相应条目的副本， 这就是交易取得合法性的官方证明，在这一阶段， 必须付清协商好的购买价格的余额。 公共契约与所有交易完成后，买方的律师将继续到土地注册处为新业主注册 ， 并将一份注册证书交给新业主。

General FAQ regarding the Golden Residence Permit programme How do I renew the resident permit and how much is it (service fee and applicant fee)?

The residency visa is renewed simply by keeping the original investment (there are no further requirements). The renewal fee charged by the Portuguese Authorities is indeed 2500 Euro.

What is the process regarding family Reunion and how much will it cost?

The family reunion is quite straightforward and simple and it applied directly to spouse and under age children (Under 18 years of age - Minors or children who are under guardianship of the couple or of one of the spouses. Minors adopted by an unmarried applicant, by a married applicant or by the spouse, Children who are of age and of whom the couple or one of the spouses is in charge, that attend a teaching institution.). The cost charged by the Portuguese Authorities for family reunion residency permit is the same of the investor, ie, €5,000 for initial residency permit and €2,500 for each renewal.

Is there a limitation of family members?

NO Once the applicant obtains the Resident Permit, can they apply for the family reunification at the same time? What documents do family members need to provide, (marriage certificate, birth certificate,..)?

Yes, it is possible for the investor and family members to apply at the same time, although it might be more straight forward to get the approval for the investor first and then request family reunification. The documents for the family are the ones proving the family ties, so Marriage Certificate and Birth Certificates. Please note that the family member will also require criminal record certificate.

Can the applicant work in Portugal?

Yes, there are no restrictions for the investors to work in Portugal.

Where to submit the application for the Golden Resident Permit, in Portugal or I can submit in a local consulate?

The application is submitted by us on behalf of the client at the Immigration Services here in Portugal.

How does the buying process work?

When the client decides on the property, he will then go the lawyer, where a Reservation deposit is made, from 6.000 € to 10.000 € (Credit card, bank transfer preferably) into the lawyers Escrow account. The lawyer prepares an official Offer that is than sent to the owner communicating the client’s intent to purchase. If it is accepted, the client that signs over Power of Attorney to the lawyer and flies home. Meanwhile, the lawyers will then prepare the first of the sales contracts: (have attached our only 2 translated Promissory and Sales Contract for your appraisal).

Promissory Contract: Client promises to pay a deposit from 30 to 100% of the purchase price, until the final title of ownership takes place. The Promissory contract is for those clients who do not have all the necessary funds and need time (1 month, 2 months) to gather the money. So the client pays as much as he can, and then a date is established for the final change-over of ownership (DEEDS) and any outstanding payment.

Bear in mind with the new alteration of the Residency Visa, if the client pays 500.000 € or more on Promissory contract, the process for the Residency Visa can be immediately submitted to the governing body, so that is just a question of the document to emit the Visa as the process will have already been submitted.

Payments for the Promissory deposit and final payments for DEEDS have to be transferred from the clients Portuguese bank account which the lawyers will help open when they are here.

What are the general requirements that the investor has to comply with?

The simplicity of the Golden Visa Programme implies an extremely reduced amount of requirements being asked from the investor. The Golden Visa Programme sets out that the investor must comply with general requirements applicable to all types of qualifying investments and also with the specific requirements of each type of qualifying investment.

In general, all investors have to comply with the following requirements: a) Keep the investment for a minimum period of 5 years. b) Funds for investment should come from abroad. c) Entry in Portugal with a valid Schengen visa. d) Absence of references in the Portuguese Immigration and the Schengen services. e) Absence of conviction of relevant crime.

What are the requirements in regards to the stay in Portugal for the Temporary Visa?

The requirement to be in Portugal for investors is only 7 days in the first year and 14 days in the following periods of 2 years. Permanent residency has different time requirements.

What are the requirements for the staying in Portugal for the Permanent Residency?

Holders of Permanent Residency titles should not be away from the country for more than 24 months in a row or 30 alternate months within a period of 3 years. Please note that there is an exception to these time requirements, which can be used if the investor needs to be away for longer periods of time due to business reasons.

Is there a mandatory period the applicant needs to spend in Portugal when they have their Permanent Residency? If so, how many days?

After they get the permanent residency they cannot be away from Portugal for more than 2 years in a row or 30 non-consecutive months within a period of 3 years.

How long will be the process for the renewal of the Resident Permit? Does the applicant need to go to Portugal for it?

The renewal process is very quick and at maximum it will take 60 days. The Investor will need to come here after the renewal has been approved to obtain is new residency permit.

Is there a language requirement test for Naturalization?

Yes, currently, Permanent Residency and Passport always require approval in a language test in Portuguese.

What rights does a resident of Portugal have?

A person authorized to live in Portugal, has the right to education, maintain professional activity,health care, and justice system.

For the applicants first Visit to Portugal, which kind of Visa should be requested? Travel or business?

The clients only need a valid Schengen visa to apply for residency after the investment.

In this respect, when applying for the Schengen visa, the clients should clearly refer that they are coming to Portugal to invest under this program.

Usually, we send invitation letters that explains this.

What kind of Visa for second stage, or Permanent Visa? How long is the visa valid?

See above. The clients only need a valid Schengen visa to apply for residency after the investment. No other visa is required.

After the purchase of the property and obtaining the Residency visa, does the applicant get some kind of official stamp in their passport? Or do they get some kind of Residency card?

Once the client makes the investment, the application for the investor residency permit is submitted. The authorities will approve this application within a few days and then the investor has to go to the Immigration Services to provide fingerprints, signature, pictures, etc. On this visit, the client gets an approval letter and then the residency card is issued within a few weeks.

What are the benefits after immigration (after purchase and apply for Temporary Residency Visa) is it the same as a Portuguese citizen?

Yes, holders of residency permits have almost all the rights of citizens (education, health, employment, business, etc).

What is the yearly tax on the properties?

In Portugal, properties are subject to an annual charge, which is between 0.3% and 0.5% of the tax value of the property.

Besides the yearly Tax (IMI) per year or there is any other cost?

Depending on the type of property, there can also be condominium fees. These are fees related to the maintenance costs of properties included in buildings, developments, resorts, etc.

Should I have a personal bank account and TAX number in Portugal? Can you open it for me?

Yes. It is necessary. We can open it for you through a power of attorney. So you just need to be in Portugal for applying for VISA. Once the applicant decides to acquire the property, how long to Deeds (Final Purchase Contract)?

From a legal point of view, the purchase of the property can take place as soon as the parties are ready. In case of the investor, the normal route is for him to leave us a Power of Attorney that will enable us to represent him when he goes back to China to transfer the funds.

For more information please write to us on info@portugalproperty.com or feel free to call us on 0800 014 8201 and a member of the Portugal Propertyteam will be happy to answer any of your questions.

We look forward to helping you find your dream Portugal Property!

关于金Visa居留许可方案一般常见问题 如何延长居住许可证，需要多少费用 （服务费用和申请费） ？ 居留签证只需维持原来的投资 （无需进一步增加）即可。葡萄牙当局收取的延期费用准确来讲是 2500欧元。 关于家庭团聚程序是怎样的？要多少钱？ 家庭团聚是非常简单明了，它应用直接向配偶和未成年子女 ( 18 岁以下-受该对夫妇或配偶一方监护未成年人或儿童。由未婚申请人、已婚申 请人或配偶收养的未成年人，该对夫妇或配偶之一负责的成年孩子，并且参加一个教学机构）。葡萄牙政府为家庭团聚居住许可收取的费用跟 投资者的相同，即初始居留许可为 5000€ 和 每次延期为2500€。 有家庭成员的限制吗？ 没有。 一旦申请人获得居留许可，他们可申请在同一时间与家人团聚吗？家庭成员需要提交哪些文件 (结婚证、出生证、......) ？ 是的，投资者和家族成员可在同一时间申请，但是投资者首先得到审批，然后再请求家庭团聚，这样可能更加好一些。家庭文件是证明家庭的 纽带，所以要有结婚证和出生证。请注意家庭成员也会要求出示刑事纪录证书。 申请人可以在葡萄牙工作吗？ 是的，投资者在葡萄牙工作方面没有限制。 在哪里申请金Visa居留许可，在葡萄牙，或者我可以在当地的领事馆提交？ 申请是由我们代表客户在葡萄牙的移民服务处提交的。 购买流程是怎样的？ 当客户决定购买该物业之后，他将去到律师处，在那里交纳预付款到律师代管账户，从 6.000 € 到 10.000 € （最好是以信用卡、银行转账的 方式） 。这位律师准备一份正式的报价，送交业主表达客户的采购意向。如果报价被接受，客户签订授权委托书给律师，然后坐飞机回去。 同时，律师然后会拟备第一套销售合同：（附上我们 翻译的约定和销售合同作为您参考）。 约定合约： 客户承诺付一笔押金（购买价格的 30 - 100 ％），直到产权最后的产生。约定合同适合那些暂时没有所有必要的资金，需要一定时间 （1 个 月、2 个月）来筹集资金的那些客户。所以客户尽可能多支付，然后设定一个最后交付产权（契约）和付清任何欠款的日期。 留意，居留签证的最新更改：如果客户支付约定合同的款项等于或者超过 50万欧元，申请居留签证的程序会立即提交给政府单位，所以只是 发放签证的文件问题，因为这一程序已经被提交上去。 约定付款和最后契约的付款由客户在葡萄牙的银行所开的账户汇出，当客户抵达葡萄牙时，律师会帮助他们开户。 投资者一定要符合的一般要求是什么？ 金Visa签证计划意味着对投资人的要求条件的数量非常的少。金Visa签证计划声明，投资者必须符合所有类型的合格投资的一般要求，以及每 一类型的合格投资的特定要求。 一般情况下，所有的投资者都必须符合下列要求： a) b) c) d) e)

维持最少 5 年期限的投资。 用于投资的资金应来自国外。 以有效的申根签证进入葡萄牙。 没有葡萄牙移民和申根服务中的参考。 没有有关犯罪记录。

使用临时签证居住在葡萄牙有什么要求？ 投资者要求第一年只需在葡萄牙居住 7 天，在接下来的2年期限内要居住14天。永久居留权刚有不同的时间要求。 永久签证居住在葡萄牙有什么要求？ 永久居住权的持有人，在3年期限内，不应离开本国连续超过 24个月或者 30 个不连续月。请注意这些时间需求亦可以有一次例外，可在投资 者由于商务原因要离开更长的时间时使用。 申请人拥有他们的永久居住权后，会有一定要留在葡萄牙的强制期吗？如果是这样，多少天吗？ 他们获得永久居住权后，他们在3年期限内，不得离开本国连续超过 24个月或者 30 个非连续月。 延长居留许可的过程需要多长时间呢？申请人要不要亲自去葡萄牙去延期？ 延期过程是非常快捷的，最长可能需要60天。当延期的居留许可证批准后，投资者来这里领取新居留许可证。 入籍有语言测试要求吗？ 是的，目前是这样，永久居留和护照必须要求通过葡萄牙语的语言测试。 葡萄牙居民享有何种权利？ 获准居住葡萄牙后，有受教育的权利，维持专业活动、卫生保健和司法系统。 申请人首次访问葡萄牙，需要哪一种签证？旅游还是商务？ 客户只需要一个有效的申根签证，然后投资后就申请居留权。 在这方面，当申请申根签证时，客户应明确提及他们来到葡萄牙是应这项计划而投资。通常情况下，我们发送邀请信来作出解释。 第二个阶段是什么样的签证，或者是永久签证吗？签证有效期是多久？ 请参见上面。客户只需要一个有效的申根签证，就可在投资后申请居住权。无需其他签证。 购买产业和获得居留签证后，申请人的护照会盖有官方印章吗？或者他们有某种居留卡吗？ 一旦客户作出投资，投资者的居留许可申请就会被提交。当局会在几天内批准此申请，然后投资者就必须去移民局提供指纹、签名、照片等。 在这次访问，客户会获取批准信，然后在几个星期内发出居留卡。 移民后（购买和申请临时居留签证后）有哪些好处呢？跟葡萄牙公民一样吗？ 是的，居住许可证的持有人具备几乎所有的公民权利 (教育、卫生、就业、商业等）。 物业每年的税是多少？ 在葡萄牙，物业是每年需要缴税的，在物业税值的 0.3%至 0.5%之间。 除了每年的年度税收 （IMI）外，还有任何其他费用吗？ 根据物业的类型，也可以公共管理费。这些费用是指维护包括建筑物、开发区、度假村等在内的物业的相关费用。 我应该在葡萄牙开具个人的银行账户和税务编号吗？你可以替我开户吗？ 是的。这是必要的。我们通过授权委托书为你开户。所以你只需要在葡萄牙申请签证。 一旦申请人决定购置物业，签约（最后的购买合同）需要多久 ？ 从法律角度来看，只要缔约双方都准备好了交易就可以很快可以发生。对于投资者来说，正常情况下是他给我们签订授权委托书，我们就可以 在他回到中国汇款的时候代表他。

了解更多信息请写信给我们，邮箱是：info@portugalproperty.com 。或随时致电 0800 0148201 ， 葡萄牙物业 (Portugal Properties) 团队的成员会很乐意回答你的问题。 我们期待着帮你找到你梦想葡萄牙物业！

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