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How Much Can I Borrow for a Home in Portugal?
Work out the maximum loan and home price under the Banco de Portugal's August 2026 recommendation: 45% debt-service ratio and 90% loan-to-value.
Approximate maximum loan
288 127 €
| Maximum payment (45% of income) | 1 125,00 € |
| Maximum home price (90% financed) | 320 141 € |
| Deposit needed (10%) | 32 014 € |
Since 1 August 2026, the Banco de Portugal recommends total loan payments stay under 45% of net income (was 50%), and up to 90% financing for a main home. Add IMT, stamp duty and deed costs, which aren't financed. Buyers up to 35 may get a public guarantee to borrow more than 90%.
Banks also test a rate rise and may lend less. Checked: October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: Banco de Portugal
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
What's the maximum debt-service ratio in 2026?+
45% of net income since 1 August 2026 (was 50%). It's a recommendation to banks, which have a small margin for exceptions.