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.
