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Housing

Housing market trends, real estate prices, rental policies, and property news in Portugal.

Aerial view of central Lisbon's terracotta-tiled rooftops with the Tagus River and a ship in the background.

DBRS Morningstar Rules Out a Credit-Driven Housing Bubble in Portugal — But Names the €2.3 Billion Garantia Jovem as the Risk Vector to Watch as Banco de Portugal Drafts a Macroprudential Brake

DBRS Morningstar's Wednesday note finds Portuguese banks haven't loosened mortgage underwriting — but flags the public guarantee letting under-35s borrow 100% as the asset-quality risk vector, and Banco de Portugal is drafting a macroprudential brake.

Getting a Portuguese Mortgage as a Foreign Resident in 2026 — The 60-to-90 Per Cent LTV Ladder, the Euribor-Plus-Spread Indexante, the FINE Form, the BdP Stress-Test Premium, and What Actually Lands at the Notarial Escritura

Getting a Portuguese Mortgage as a Foreign Resident in 2026 — The 60-to-90 Per Cent LTV Ladder, the Euribor-Plus-Spread Indexante, the FINE Form, the BdP Stress-Test Premium, and What Actually Lands at the Notarial Escritura

The Portuguese mortgage product — crédito à habitação — is a remarkably standardised instrument. Every bank operates inside the same Banco de Portugal framework, sells the same three rate structures, applies the same documentation list, and signs at...

IHRU Demands a 12-Month Lease for Porta 65 Jovem — But the Law Says No Such Thing, and Lawyers Tell Público the Institute Is Blocking Eligible Renters Without Legal Basis

IHRU Demands a 12-Month Lease for Porta 65 Jovem — But the Law Says No Such Thing, and Lawyers Tell Público the Institute Is Blocking Eligible Renters Without Legal Basis

The Habitação Institute is rejecting Porta 65 Jovem applicants whose rental contracts do not run a full 12 months from the moment the subsidy starts. The legislation governing the programme imposes no minimum contract length, and jurists are telling Público the requirement has no legal foundation.