The figures shown are approximate and purely indicative, serving only as an initial reference — the bank's final offer may vary.

Your details

The larger the down payment, the smaller the loan and monthly payment.

E.g. car loan, personal loan or credit cards — optional.

30 years
2.79% Updated on 19/06/2026
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Bank spreadiThe margin the bank adds to Euribor. It varies by bank and risk profile — it's the only negotiable component. 1.00%
Total rate applied 3.79%

Determines whether you can benefit from IMT and Stamp Duty exemption/reduction (Youth IMT scheme).

AGIL
FINANCE

Rodrigo Rodrigues Valério — Tied Credit Intermediary No. 0008140

(+351) 963 863 907 · geral.agilfinance@gmail.com

Your simulation

Estimated monthly payment

— €

Debt-to-income ratio —
—% recommended up to 33%

Loan required

— €

Maximum loan (33% ratio)

— €

Costs at the deed

IMT (property transfer tax)— €
Stamp Duty (purchase)— €
Stamp Duty (loan)— €
Deed, registration and appraisal— €
Total to have available— €

Total cost of the loan

Interest over the term

— €

Total paid to the bank

— €

Stress testiShows how the payment increases if Euribor rises by 1% or 2%. The Bank of Portugal requires this test before approving a loan.

3.3%
— €/mo
4.3%
— €/mo
5.3%
— €/mo
Purely indicative simulation, calculated using the tax formulas and brackets (IMT, Youth IMT and Stamp Duty) currently in force. The interest rate is an editable reference value — the final rate depends on each bank's offer.

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Up to 33%

Debt-to-income ratio recommended by the Bank of Portugal for mortgage approval.

≤ €330,539

Value up to which young buyers (under 35) can get full exemption from IMT and Stamp Duty.