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ENENPTFRFree buyer tool
Portugal Mortgage Calculator
Estimate your monthly repayment — or how much a Portuguese bank could lend you as a foreign buyer.
Amount you wish to borrow
Euribor plus a typical spread of 0.8–1.5%. Adjust to match your offer.
Select your mortgage duration
Your estimated monthly payment
Total credit amount: €394,160
of which €144,160 in interest
Note: This simulation is for informational purposes only and does not constitute a binding offer. The values shown may vary according to credit analysis and bank conditions. Contact us for a personalized analysis.
Buying as a non-resident?
Portuguese banks usually finance only 65–80% of the price for non-residents — compared with up to 90% for residents. Plan a larger cash deposit, and remember purchase taxes (around 7–8%) cannot be added to the loan.
Read the non-resident mortgage guideHow does the simulator work?
Our simulator allows you to calculate in two ways: if you know how much you want to borrow, we calculate the monthly payment for different terms. If you know how much you can pay per month, we calculate how much you can borrow. Adjust the interest rate to see how it affects your payments.
What is it for?
- Estimate your financing capacity before looking for a home
- Calculate monthly payments for different loan scenarios
Frequently Asked Questions
Are the simulator values guaranteed?
No, the values are indicative. The final payment depends on several factors such as your financial profile, property valuation, and bank conditions. Contact us for a real proposal.
What interest rate should I use in the simulation?
You can use the current Euribor plus a spread between 0.8% and 1.5%. For reference, the 12-month Euribor has been around 2.5-3%. Check our interest rates page for updated values.
What is the maximum mortgage term?
The maximum term is generally 40 years, but it depends on the borrower's age. The sum of age and term cannot exceed 75 years (with exceptions up to 80 years at some banks).
How much can I borrow?
Banks typically finance up to 90% of the property value for primary residence (80% for secondary residence). The monthly payment should not exceed 35% of net income.
Is ExpatPropertyHub's service free?
Yes — our matching service is free for buyers. We connect you with vetted, independent mortgage brokers who negotiate with 15+ banks; we are compensated by partners, never by you.
