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Portugal Mortgage Calculator

Calculate your monthly mortgage payments with accurate Portuguese banking requirements and current market rates.

Current average rates: 3.5–4.5%  |  Max LTV: 80%  |  Max debt-to-income: 30%

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01

Property & Loan Details

Property Price €650,000
Down Payment 20%
Loan Term 30 years
Interest Rate (TAEG) 4.0%
Monthly Payment
€2,864
Principal & Interest
Loan Amount
€520,000
Total Interest
€511,040
Total Cost
€1,031,040
LTV Ratio
80%
Income Requirements
€11,547
Monthly Income Needed
€138,564
Annual Income Needed
Portuguese Bank Stress Test
€3,156
Payment if rates increase to 6.0%
Complete Monthly Cost
Principal & Interest
€2,864
IMI (Property Tax)
€271
Home Insurance
€98
Life Insurance
€130
Total Monthly Cost
€3,363

Mortgage Summary

Based on current Portuguese banking requirements and market conditions.

DTI Ratio
29.1%
Payoff Date
Jan 2056
Interest Paid
98.3%
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