Portugal Real Estate Investment FAQ

Question 1

How does the Portugal mortgage calculator work?

Accepted Answer

Our Portugal mortgage calculator uses the current Euribor rate plus a typical bank spread to compute monthly repayments. Enter the property price, your deposit amount, and desired loan term (5–40 years). The calculator shows: monthly payment, total loan amount, total interest paid, required monthly income (for DSTI compliance), and effective annual rate (TAE).

Question 2

What is the minimum deposit for a mortgage in Portugal?

Accepted Answer

The minimum deposit depends on your residency status. Residents purchasing a primary residence can access up to 90% LTV (10% deposit). Non-residents and investment property buyers are typically limited to 70% LTV (30% deposit). Some banks offer up to 80% LTV for non-residents with strong income documentation.

Question 3

What Euribor rate does the calculator use?

Accepted Answer

The calculator uses the current 3-month or 6-month Euribor rate, which is updated regularly. Portuguese banks typically offer mortgages at Euribor plus a spread of 0.8% to 1.5%. You can adjust the spread in the calculator to match specific bank offers.

Question 4

What is DSTI and how is it calculated?

Accepted Answer

DSTI (Debt Service to Income Ratio) is the percentage of your monthly net income that goes towards all debt repayments. Banco de Portugal requires a maximum DSTI of 50%. The calculator shows whether your requested mortgage meets DSTI requirements and what minimum monthly income you need.

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