ГЛАВНОЕ ОБ ИПОТЕКЕ В ПОРТУГАЛИИ В 2026
Svetlana Bestuzheva
Mortgage support specialist
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Frequently asked questions
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– Yes. Your legal status in the country does not directly affect the bank's decision. Of crucial importance to the bank's risk analysts is the source of your income and its amount. It is important that the income originates in developed countries; income in Russia, Belarus and Ukraine is not suitable for the purposes of obtaining a mortgage.
Banks impose stricter down payment requirements on non-residents. It is advisable to have at least 20% of your own funds, and preferably 25–30%. Interest rates for non-residents are higher, but only slightly.
For preliminary approval: Portuguese tax number NIF (to be applied for online), last year’s tax return (translated into English or Portuguese), the last 6 monthly bank statements and proof of income for the last six months. Banks may request further documents at a later stage
Usually, the whole process from submitting documents to signing the deal takes 1-2 months.
The bank breaks down all commissions, fees, and insurance in detail in the loan simulation. The terms vary slightly from bank to bank.
The loan origination fee is a fixed amount equivalent to 0.6% of the loan amount. You will also pay the bank a commission (€1,000–1,500) when the loan is granted, and compulsory insurance will cost a further €150 per month for two borrowers or €100 per month for a single borrower.
По данным INE, летом 2026 года средняя подразумеваемая ставка по недавно заключённым договорам жилищного кредита составляла около 2,9%. Это рыночная статистика, а не предложение конкретного банка и не TAEG. Индивидуальные условия указываются кредитором в симуляции и FINE.
В 2024 году в Португалии был введён режим государственной гарантии по жилищным кредитам для молодых людей в возрасте от 18 до 35 лет, приобретающих первое постоянное жильё и отвечающих установленным требованиям. Государство может гарантировать до 15% первоначальной суммы кредита, что позволяет банку профинансировать от 85% до 100% стоимости сделки. К концу июня 2026 года с момента запуска программы было заключено 40,1 тыс. договоров на €8,3 млрд.
Участие в программе не ограничено гражданством: одним из основных требований является налоговое резидентство в Португалии.
Examples of recent mortgage calculations 2026
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| * | Borrower's annual income | Property price | Initial payment, % | Loan amount | Borrower's age | Loan term | Effective rate | Monthly payment | Cost of credit |
| Case 1 | 15.000€ | 278.500€ | 30 | 195.000€ | 37+31 | 360 months | 5,1% | 853€ | 378.335€ |
| Case 2 | 72.000€ | 450.000€ | 0 | 450.000€ | 34+34 | 396 months | 4,4% | 1700€ | 853.953€ |
| Case 3 | 36.000€ | 400.000€ | 30 | 265.000€ | 36 | 420 months | 5,4% | 1036€ | 594.728€ |
How the mortgage application process works in Portugal
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Week 1
Applying online
You send all the documents to the broker –> they forward the package to several partner banks.
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Week 2
Analysis of the received proposals
Within 5-15 days, banks send you mortgage simulations, which are essentially pre-approved mortgages. The simulation is valid for 1-2 months.
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WEEKS 3–5
Property search
If you agree to the terms of a particular bank, we will proceed with the selection of the property.
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Week 6
Document verification by the bank
When the property is found, you or your agent submit the documents for the chosen property to the bank.
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Week 7
Bank property valuation
The bank checks the documents and schedules a valuer's visit, which takes 3–5 days. If the bank's valuation is in line with the market price and your credit limit (as is usually the case), you visit the bank to sign the mortgage agreement.
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WEEKS 8–10
Transfer of ownership
Within a couple of weeks, the completion date is set. It always takes place before a notary, with a bank representative also present. You receive the keys at completion.
Svetlana Bestuzheva
Mortgage support specialist
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By clicking the “Get a consultation” button, you consent to the processing of your personal data
in accordance with the «Regulations on the Processing of Personal Data»