How Much Can I Borrow in Portugal?
Enter your net income, your savings and the rate you expect: you'll see the maximum price of the home you can buy, the size of the loan and whether the limit is your income or your savings.
General values (Portugal). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
Solvemis is free, with no sign-up. If it helped and you’d like to support the project: Buy me a coffee
How it works
How to use it
- Enter your net monthly income and the savings you have available.
- Add the interest rate you expect and the term.
- Check the reference values for Portugal and change them if you need to.
- See the maximum price, the breakdown and the limit that applies.
How it is calculated
Two prices are calculated and the lower one applies. By income: the loan whose payment is the chosen share of income, plus savings, minus buying costs. By savings: the price at which your savings exactly cover the part that isn't financed and the costs. The percentages are reference values for Portugal. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- Recomendação Macroprudencial n.º 1/2026 — Banco de Portugal
- Banco de Portugal muda regras para créditos da casa e consumo — Observador
- IMT 2026: Tabela Completa, Cálculo e Todas as Isenções — Bem Endividado
About this calculator
How it’s calculated
Buying a home has two limits at the same time. The first is the debt-service ratio: 35% of net income is used here, below the 45% maximum the Bank of Portugal recommends (calculated with 1.5 points more interest). The second is savings: with financing of up to 90%, the remaining 10% and the buying costs come out of your pocket. The calculator works out the price each limit allows and keeps the lower one.
What banks in Portugal look at
Besides the debt-service ratio, the bank looks at the other loan payments you already make, job stability and your age at the end of the term; from age 70 it assumes a 20% drop in income. The maximum term is 40 years up to age 35 and 35 years after that.
Buying costs in Portugal
On a €250,000 permanent own home, the property transfer tax (IMT) is about €7,000, the 0.8% stamp duty adds €2,000 and the loan pays another 0.6% in stamp duty, plus the registry fees. Buyers aged up to 35 purchasing their first home can be exempt from IMT and stamp duty up to €330,539. The 4.5% filled in is a general value: confirm it with your bank or adviser.
Frequently asked questions
What is the debt-service ratio (taxa de esforço)?
It's the share of your net monthly income that goes on loan payments. The Bank of Portugal recommends it shouldn't go above 45%, calculated with a 1.5-point rise in the interest rate; around 35% is more comfortable.
Why aren't the costs included in the loan?
The bank finances at most 90% of the home's value. The rest of the down payment, the property transfer tax (IMT), stamp duty and registry fees are paid with your own money.
Net or gross income?
The debt-service ratio is calculated on net income. If you're buying with someone else, add both incomes together.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Portugal, the share of income covers all your debts, so those payments come off what is left for the mortgage.
Updated 14 October 2026
Missing something in this tool, or a tool we don't have? Write to us