BdP's May 2026 Financial Stability Report names a residential property correction as the main internal risk, asks for binding macroprudential powers and lifts the CCyB releasable buffer to 0.75%.
How much a Portuguese bank will lend you, the limits on repayments and loan terms, help for buyers aged 35 or under, the documents, the steps, and the costs.
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.
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.
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.
Banco de Portugal published a carta circular on Friday 22 May 2026 unifying the bank-complaint response window at 15 working days across every channel, closing the old 15-vs-20-day asymmetry between the complaints book and direct BdP filings.
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...
