Mortgage calculator

Simulate the real cost of buying a home in Portugal

Estimate the monthly payment, IMT, stamp duty, purchase expenses, loan amount, and total interest before you book visits.

Monthly payment

525 €

Loan amount

136 662 €

Taxes and expenses

6662 €

Simulation details

Property price

EUR

Available savings

EUR

Savings are applied against the property price and purchase expenses.

Term

years

Interest rate

Monthly household income

EUR

Optional, used to estimate your effort rate.

Purchase typeApply youth exemptionFor eligible buyers up to 35 purchasing their first primary residence.

Result

Financing ratio: 68,3%

Monthly payment

525 €

Loan amount

136 662 €

Total interest

115 494 €

Total with credit

322 156 €

This financing ratio is within the typical bank limit used by this estimate.

Estimated effort rate: 17,5%

Purchase expenses

IMT3542 €

Stamp duty on purchase1600 €

Purchase registry estimate350 €

Purchase subtotal5492 €

Loan expenses

Stamp duty on loan819 €

Mortgage registry estimate350 €

Loan expenses subtotal1170 €

Total acquisition cost

Property price plus estimated taxes, stamp duty, and registry expenses.

206 662 €

This simulator is an estimate for mainland Portugal using Idealista-style IMT assumptions, 0.8% stamp duty on purchase, 0.6% stamp duty on the mortgage, and simple registry assumptions. It does not replace a bank proposal, tax advice, or a notary quote.