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Housing

Housing market trends, real estate prices, rental policies, and property news in Portugal.
Banco de Portugal Governor Álvaro Santos Pereira Pushes Mortgage Taxa de Esforço Cap From 50% to 45% and Extends the Under-35 Maturity Ladder to 40 Years — Macroprudential Recommendations Head Toward Binding-Rule Status

Banco de Portugal Governor Álvaro Santos Pereira Pushes Mortgage Taxa de Esforço Cap From 50% to 45% and Extends the Under-35 Maturity Ladder to 40 Years — Macroprudential Recommendations Head Toward Binding-Rule Status

Governor Álvaro Santos Pereira wants the mortgage taxa de esforço cap lowered from 50% to 45%, the bank-level exception envelope cut from 15% to 10%, and the maximum maturity stretched to 40 years for borrowers under 35. He also asked parliament to make the rules binding.
The Portugal Brief
Programa de Apoio ao Arrendamento Runs Seven Years Without IHRU Inspections — Tax Exemptions on Roughly 1,000 Active Contracts Sit Unchecked as the Simplified Accessible Rental Regime Takes Over From the 2019 Scheme on 1 September 2026

Programa de Apoio ao Arrendamento Runs Seven Years Without IHRU Inspections — Tax Exemptions on Roughly 1,000 Active Contracts Sit Unchecked as the Simplified Accessible Rental Regime Takes Over From the 2019 Scheme on 1 September 2026

An external evaluation commissioned by the Instituto da Habitação e da Reabilitação Urbana (Institute for Housing and Urban Rehabilitation, IHRU) and surfaced in Público on Monday 8 June 2026 lands a hard finding on the central instrument of...
The Portugal Brief