Mortgage Simulator 2026

To calculate a mortgage payment in Portugal 2026: TAN (nominal rate) = 12-month Euribor (~2.4% currently) + bank spread (1.0%-1.5%). For €200,000 over 30 years at TAN 3.5%, the monthly payment is ~€898. TAEG (APR) further includes fees, mandatory insurance and stamp duty. Maximum LTV: 90% for primary residence (HPP) or 80% for secondary. DSTI cap recommended by Banco de Portugal: 35%-40% of net income.

Calculate monthly mortgage payment in Portugal 2026. Includes Euribor, bank spread, APR and amortization schedule.