Calculator · Portugal 2026

Mortgage Affordability Calculator — Portugal 2026

Find your maximum loan under Banco de Portugal macroprudential rules: DSTI 50% income test with +3pp stress, LTV caps (90% HPP / 80% second home), age-based term limits, and non-resident LTV overrides.

Net monthly income (€)Existing monthly debt payments (€)Your ageProperty value (€)Euribor 3M (%)Bank spread (%)Loan term (years)Property use

Non-resident buyer

Maximum loan

€329,827

Limited by DSTI (income)

Max property price

€366,474

At 90.0% LTV

Max loan by DSTI (45% income test, stressed)	€329,827
Max loan by LTV	€360,000 (90.0% cap)
Binding constraint	Income / DSTI
Monthly payment (nominal rate)	€1,623/mo
Stressed monthly payment (+3pp)	€2,250/mo
Effective DSTI	32.5%
Applied LTV cap	90.0%
Rate applied (Euribor + spread)	4.25%
Stressed rate (for DSTI assessment)	7.25%
Effective term	30 years (max 37 for age 35)

DSTI updated: Banco de Portugal reduced the maximum DSTI ceiling from 50% to 45% effective 1 August 2026 (Macroprudential Recommendation, 2 July 2026). Stress rate unchanged (+3 pp for terms >10 years). Read more →

Based on Banco de Portugal macroprudential rules (last verified 2026-07-04). Indicative only — final approval subject to bank credit assessment. Speak to a LoanNest advisor for a personalised assessment.

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Supervisão

Intermediário de Crédito Vinculado — registo pendente de aprovação pelo Banco de Portugal. Mediação de seguros — registo em curso na ASF.

Entidade

JPDA, Lda. · NIF 517.315.211
Sede: Quinta do Lago, Almancil, 8135-024 Loulé

Reclamações

Livro de Reclamações electrónico disponível. Informação regulatória completa na página Info Legal.