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Mortgages

Banks Lend Households €4.057 Billion in March 2026 — First Print Above Four Billion in the Banco de Portugal Series Since January 2003, Mortgage Rate Eases to 2.81% and Term-Deposit Rates Post the Biggest Monthly Jump in Two and a Half Years

Banks Lend Households €4.057 Billion in March 2026 — First Print Above Four Billion in the Banco de Portugal Series Since January 2003, Mortgage Rate Eases to 2.81% and Term-Deposit Rates Post the Biggest Monthly Jump in Two and a Half Years

BdP's March release puts new household loans at €4,057 million — the first print above four billion since the series began in January 2003. Housing leads at €2,238M, the new mortgage rate eases to 2.81%, and term-deposit rates post their biggest jump in 2.5 years.
The Portugal Brief
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