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I understand if you submit a full planning application you are subject to the current rules of the PDM/Fire Risks etc. at that point in time.
In principle, yes - the regulations are those at the time. However, if there is a subsequent amendment, or if the work/project requires a more thorough planning process, and if there has been a change in the PDM etc in the meantime, then the updated version will then be applied.
I also read somewhere upon submission the agencies have 5 days to report back to the câmara about the land (PDM, Fire zones etc.)
We don't believe this to be the case - it would seem unlikely to us that such a tight prazo would be applied to this kind of thing, and therefore I wouldn't rely on it, without clear evidence from your câmara. It is implausible for one public body to consult with, and get a formal response from, another public body in such a timeframe. I wonder if there is some other timeline which someone had quoted (but even so, 5 days is not a timescale I recognise).
Unless the consequences of things going wrong are minor, I wouldn't rely on being able to advance things so rapidly.