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Banco de Portugal

Securing a Crédito Habitação Mortgage in Portugal in 2026 — A Practical Guide to the BdP 45% DSTI Cap, the LTV Tiers, the 12-Month Euribor Reference, the Multi-Bank Approval Cycle and the Non-Resident Track

Securing a Crédito Habitação Mortgage in Portugal in 2026 — A Practical Guide to the BdP 45% DSTI Cap, the LTV Tiers, the 12-Month Euribor Reference, the Multi-Bank Approval Cycle and the Non-Resident Track

A 2026 walkthrough of the Crédito Habitação mortgage in Portugal — Decreto-Lei 74-A/2017 frame, the BdP 45% DSTI cap, LTV ceilings of 80-90% primary and 70% non-resident, the 12-month Euribor reference, the FINE document, PARI/PERSI default protection and the Casa Pronta one-stop closing.
The Portugal Brief
Banco de Portugal Pins Foreign Buyers at 28% of 2025 Home Transactions and €859 Million Moved — Brazilians Hold 44% of the Foreign-Borrower Stack as Crédito-Habitação to Estrangeiros Doubles to 13.56% of the National Tape

Banco de Portugal Pins Foreign Buyers at 28% of 2025 Home Transactions and €859 Million Moved — Brazilians Hold 44% of the Foreign-Borrower Stack as Crédito-Habitação to Estrangeiros Doubles to 13.56% of the National Tape

BdP's 2025 crédito-habitação tape puts foreigners at 28% of all Portuguese home transactions and €859 million moved, with mortgage credit to estrangeiros at 13.56% of the €19 billion national pool — Brazilians hold 44% of the foreign-borrower stack, up from 35% four years prior.
The Portugal Brief
INE's 28 May ISFF 2024 Reading Puts Portuguese Household Net Wealth at €298,400 — Houses Drive a 29.4% Five-Year Lift While 41.6% of Families Carry a Median €35,300 Debt and 74.6% of Financial Wealth Sleeps in Deposits

INE's 28 May ISFF 2024 Reading Puts Portuguese Household Net Wealth at €298,400 — Houses Drive a 29.4% Five-Year Lift While 41.6% of Families Carry a Median €35,300 Debt and 74.6% of Financial Wealth Sleeps in Deposits

INE's ISFF 2024 tape lands average Portuguese household net wealth at €298,400 — up 29.4% on 2020 with the entire gain attributable to housing. Median net wealth sits at €151,800, 74.6% of financial wealth is parked in deposits and 41.6% of families carry a median €35,300 debt.
The Portugal Brief