Portuguese Mortgage Calculator

Calculate your monthly payments, Portuguese taxes (IMT & Stamp Duty), and see your full amortization schedule.

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Loan Type

Property & Loan Details

Your Age 35 years

18 Max term: 30 years 65

Property Price

€

€50k €2M

Down Payment

€60.000 20%

0% 90%

Loan Amount

€240.000

Loan Term 30 years

5 years 30 years

Interest Rate 2.7%

Fixed rate for private loans. Book a consultation for personalized rates.

Your Monthly Payment

€973,43

30 years · 2.7% · Private Loan

€350.436 Total Cost

Principal (68.5%)

Interest (31.5%)

Loan Amount

€240.000

Down Payment

€60.000

Total Interest

€110.436

Total Cost

€350.436

Principal vs. Interest

€240.000 principal €110.436 interest

Portuguese Taxes & Upfront Costs

Estimated costs when purchasing property in Portugal

IMT

IMT Tax

Property Transfer Tax

€10.978

Stamp Duty

Imposto do Selo (0.8%)

€2.400

Down Payment

20% of property price

€60.000

Total Upfront Costs

Total cash needed at purchase

€73.378

Amortization Schedule

Click on a year to see monthly breakdown

Disclaimer: This calculator provides an estimate only and should not be considered financial advice. Actual mortgage terms and rates may vary. Contact our mortgage brokers for personalized advice on Portuguese mortgages.

GetMortgage Portugal is part of Twinkloo Origami. Intermediário de Crédito Vinculado, registado no Banco de Portugal com o nº 0004683

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