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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
Banco de Portugal's Décade-Long Audit Squeezes Crédito-Habitação Spreads to 0.89 Points in 2024 — A Third of the 2.68 Points Banks Charged in 2014 With 90% of New Contracts Below 1%

Banco de Portugal's Décade-Long Audit Squeezes Crédito-Habitação Spreads to 0.89 Points in 2024 — A Third of the 2.68 Points Banks Charged in 2014 With 90% of New Contracts Below 1%

A Banco de Portugal audit puts Portugal's average crédito-habitação spread at 0.89 percentage points in 2024 — a third of the 2.68 points banks charged in 2014. Nearly nine in ten new contracts were written at sub-1% spreads as competition and liquidity pushed the structural margin down.
The Portugal Brief
Certificados de Aforro Pull €537.6 Million in April 2026 — Twelve-Month High Drives Outstanding Stock to a Record €41.7 Billion as the Series F Per-Saver Ceiling Stepped Up From €100,000 to €250,000 on 24 April

Certificados de Aforro Pull €537.6 Million in April 2026 — Twelve-Month High Drives Outstanding Stock to a Record €41.7 Billion as the Series F Per-Saver Ceiling Stepped Up From €100,000 to €250,000 on 24 April

Portuguese households pushed a net €537.6 million into Certificados de Aforro (CA) in April 2026 — the strongest single-month inflow in the last twelve months and the nineteenth consecutive month of stock expansion — according to Banco de Portugal...
The Portugal Brief
José Azevedo Pereira Steps Into the Banco Montepio CEO Seat on Friday 22 May After Pedro Leitão's Six-Year Run — Mutualista Pushes the Opening Mandate Toward Higher Dividend Payouts

José Azevedo Pereira Steps Into the Banco Montepio CEO Seat on Friday 22 May After Pedro Leitão's Six-Year Run — Mutualista Pushes the Opening Mandate Toward Higher Dividend Payouts

José Azevedo Pereira took office as the new chief executive of Banco Montepio on Friday 22 May 2026, succeeding Pedro Leitão after a six-year run that returned the institution to dividend distribution — and with the mutualista shareholder pressing for higher payouts from the next cycle onwards.
The Portugal Brief