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Mortgage calculator
Work out your monthly payment with the latest Euribor and see every cost of the loan — before you talk to the bank.
2026 tables · updated on 27/10/2026
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How it’s calculated
The payment uses the French amortisation method (fixed instalments), the most common in Portugal. With a variable rate, the annual rate (TAN) is the Euribor index plus the bank’s spread; with a fixed rate, you enter the proposed TAN directly.
On the loan you pay 0.6% stamp duty at the deed and 4% on the interest of each instalment. The MTIC is the total amount charged to the consumer: capital, interest and taxes, excluding insurance and bank fees.
The Bank of Portugal recommends financing up to 90% of the value for a permanent own home, a maximum term of 40 years and that the loan ends before the oldest borrower turns 75.
Frequently asked questions
Mortgage calculator
How much deposit do I need to buy a home in Portugal?
For a permanent own home, banks usually lend up to 90% of the valuation or purchase price (whichever is lower). You need at least a 10% deposit, plus IMT, stamp duty, deed and registration costs.
What are TAN and TAEG?
TAN is the loan’s annual interest rate (Euribor + spread). TAEG (APR) also includes fees, insurance and taxes, and is the figure to use when comparing offers from different banks.
6-month or 12-month Euribor?
With 12 months the payment changes fewer times a year; 6 months follows rises and falls more quickly. The gap between the two varies with the market — compare the payment in both scenarios.
What debt-to-income ratio is recommended?
The Bank of Portugal considers that payments on all loans should not exceed 50% of net monthly income. Below 35% is a comfortable margin.