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What you pay each month and what you need to earn

Monthly payment, the minimum income under the 45 % debt-service limit, the deposit and every tax at the deed — under the Banco de Portugal rules in force since August 2026 and the dated average market rate.

Updated on

Empty = the Banco de Portugal minimum: 10 % of the price for a permanent own home, 20 % for any other purpose.

Purpose
Where
Age, income and rate (optional)

Sets the maximum term: 40 years up to age 35, 35 years after.

After tax and social security, all borrowers together.

Empty = market average: 3,00 % (Aug 2026, Banco de Portugal).

Enter the price and press Calculate. You get the monthly payment, the minimum income banks work with and the cash needed at the deed.

What this sum leaves out

Life and home insurance, the bank's fees (valuation, file, processing) and each bank's spread are not here: they differ from bank to bank. LTV counts the price as the property's value; if the bank's valuation comes in below the price, the bank lends on the valuation and the deposit goes up. Stamp duty on interest is paid with every instalment; we show the first month's.

Go through these numbers with someone who does it daily

A specialist at a licensed agency can explain what these numbers mean in your case. Leave your details and they will be in touch.

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What exactly is shared, with whom and for how long

Controller: HOLY CHAOS, UNIPESSOAL LDA (NIF 519403908, Porto, Portugal). The professional is chosen automatically by the platform from my request, and more than one agency may end up receiving it. Retention, my rights and how to withdraw — in the privacy policy.

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Where each number comes from

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