Real Estate Financing in Portugal

With interest rates at low levels, mortgage loans in Portugal have become an increasingly attractive option for those who want to buy without tying up all their capital.

Financing allows you to maintain liquidity and plan with more flexibility, a smart choice for those who want to invest strategically.

Before you begin, pay attention to the following points:

Financing Amount

Terms vary depending on the buyer's profile and the bank. Generally, banks tend to finance up to about 90% of the property value for residents and between 70% and 80% for non-residents.

What influences the conditions?

• Purpose: to live in vs. to invest in;

• Buyer's residence;

• Age;

• Proof of income;

• Credit history;

• Job stability.

Costs

In addition to the down payment, set aside 6% to 9% of the purchase price to cover taxes, fees, and expenses. For example, on a property worth €800,000, expect up to €72,000 in extra costs.

Steps

1) Request simulations from the banks;

2) Submit documentation for review;

3) Compare proposals;

4) Choose the bank;

5) Meet the required criteria;

6) Sign the deed.

Planning is everything! We can recommend trusted partners to help compare bank offers and speed up the process.

But remember: prices and conditions may vary depending on the buyer's profile and the chosen bank. Ideally, you should always seek expert guidance to find the best solution for your specific situation.