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Portugal Mortgage Calculator
Free Portugal mortgage calculator: monthly payment with Euribor + spread, total interest, yearly schedule, debt-service ratio and the +1.5 point stress test banks use.
The loan
Monthly payment
780,91 €
| Rate (nominal) | 3,10 % |
| Total interest | 127 980,28 € |
| Total paid | 327 980,28 € |
| If the rate rises 1.5 points | 958,94 € |
Year by year
| Year | Interest | Capital | Owed |
|---|---|---|---|
| 1 | 6 155 € | 3 216 € | 196 784 € |
| 2 | 6 053 € | 3 317 € | 193 466 € |
| 3 | 5 949 € | 3 422 € | 190 044 € |
| 5 | 5 731 € | 3 640 € | 182 875 € |
| 10 | 5 121 € | 4 250 € | 162 882 € |
| 15 | 4 410 € | 4 961 € | 139 543 € |
| 20 | 3 579 € | 5 792 € | 112 296 € |
| 25 | 2 609 € | 6 762 € | 80 487 € |
| 30 | 1 477 € | 7 894 € | 43 352 € |
| 35 | 155 € | 9 215 € | 0 € |
Simplified variable rate (no Euribor resets, insurance or fees). The bank's APR (TAEG) will be higher. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: Banco de Portugal: Portal do Cliente Bancário
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?+
The Banco de Portugal recommends all loan payments stay under 50% of net income, tested with a rate rise.
Fixed, mixed or variable rate?+
Variable: Euribor + spread, reset every 6 or 12 months. Fixed: the same for the fixed period. Mixed: fixed for the first years, then variable.