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housing

Housing market trends, real estate prices, rental policies, and property news in Portugal.
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...
The Portugal Brief
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.
The Portugal Brief
Matosinhos Hands Four Municipal Plots to Housing Cooperatives for 140 Affordable-Rent Homes — 90-Year Direito de Superfície, €75k Subsidy, Rents 20% Below Market as the State's €250M Cooperative Fund Stays Missing

Matosinhos Hands Four Municipal Plots to Housing Cooperatives for 140 Affordable-Rent Homes — 90-Year Direito de Superfície, €75k Subsidy, Rents 20% Below Market as the State's €250M Cooperative Fund Stays Missing

Matosinhos cedes four municipal plots to housing cooperatives by direito de superfície for 90 years. 140 affordable-rent dwellings at 20% below market, €75k architecture subsidy, IMI exemption, IVA at 6%. Window closes 24 May. The State's €250M cooperative fund still has no money.
The Portugal Brief