Marketing Properties With Soul.
Practical guide · updated 2026
A Portuguese home loan (crédito habitação) is the usual way to finance a purchase. Banks assess income, stability, deposit (LTV), age and the property itself. Resident and non-resident buyers face different paperwork — both need a realistic pre-approval before signing a promissory contract (CPCV). This is process guidance, not banking advice: final terms always come from the bank.
Banks typically weigh affordability (debt-to-income), income stability, credit history, age at the end of the term, and the property’s value and condition (their valuation). A strong home does not offset a weak financial file — and the reverse is also true. Ask the bank or a credit intermediary for numbers, not generic ads.
LTV (loan-to-value) is the share of the property value the bank will fund. The deposit is the rest, in cash. Ratios vary by profile (resident vs non-resident, primary home vs investment) and by bank policy — there is no universal percentage. Non-residents typically need a larger cash buffer — the residents vs non-residents guide details the file. Trust a written bank offer, not a range heard in conversation.
Usually: ID, Portuguese NIF, income proof and tax returns, bank statements and property information. Non-residents add home-country paperwork (income, banking, sometimes sworn translation/apostille) and longer timelines. A NIF does not replace credit analysis — it is only the Portuguese tax ID.
Pre-approval is a read of your profile, often before the property is locked. Final approval comes after the bank’s valuation, legal checks and deed conditions. Treating pre-approval as a guarantee of the home is the most expensive mistake: the CPCV should leave time buffer and, where possible, financing conditions aligned with your lawyer.
Cavalcanti RealEstate Team (AMI 18470) is an independent real-estate team powered by eXp Portugal — not a bank and we do not lend. We time the search: viewings with a realistic finance picture, cash reserved for IMT and Stamp Duty, and coordination through to the deed. For a monthly-payment estimate (TAN, not TAEG) use the simulator on this page. We do not intermediate credit: if you want a partner intermediary, use the contact request. For tax estimates, the IMT calculator.
Signing a CPCV with no buffer if the bank steps back; forgetting IMT + Stamp Duty in cash (the loan rarely covers them); treating the asking price as the bank’s valuation; starting without a NIF or income documents ready. Fixing this mid-deal costs time — and sometimes the property.
If the plan is to let or renovate and resell, run the investment calculator first.In practice, yes. The NIF is Portugal’s tax ID and is used in the banking process and at the deed. It does not replace credit analysis.
Many banks will review non-residents, with extra documents and often a larger deposit. The split is in the residents vs non-residents guide. It is not automatic: it depends on your country, income and the bank’s policy. Confirm with the bank or a credit intermediary.
There is no single figure. It varies with resident vs non-resident status, property use and the bank. Treat any percentage as an order of magnitude until you have a written offer.
No. It is a profile indication, not final approval on that property. Completion still depends on valuation, legal checks and contract conditions.
Usually not. IMT and Stamp Duty are separate cash due at the deed. Estimate them on the IMT guide and the buying-costs guide — keep that amount outside the deposit.
With the classic constant-amortisation formula: price, deposit, annual TAN and term. Fields are empty until you enter your own figures. The mixed-rate average on new loans (Banco de Portugal, June 2026) is around 2.80%. For variable, enter Euribor + spread; the rate is not updated over the term. It is not TAEG and not a bank offer. Use the simulator below and confirm numbers with the bank or a credit intermediary.
No. We are a real-estate team (AMI 18470) and cannot intermediate credit. We work with licensed intermediaries: use the contact request on this page if you want a partner to call you.
No. We are a licensed real-estate team (AMI 18470). We guide the purchase process and financing timeline; the loan always comes from the bank.
Estimate · not a bank offer
A constant-amortisation estimate. TAN is the contractual interest rate — not TAEG, and it excludes insurance, fees and IMT. For variable, enter Euribor + spread; for mixed, use the initial fixed-period rate. This simulator does not look up Euribor and does not switch rate mid-term.
Averages on new loans (Banco de Portugal, June 2026): mixed ~2.80%, variable ~3.14%, fixed ~3.73%. Enter your own figures — the examples in the fields are hints only. Maximum term in this simulator: 40 years (BdP: 40 if aged 35 or under; 35 if older).
Indicative estimate — not a credit offer and not banking advice. Cavalcanti RealEstate Team (AMI 18470) is not a bank. The real payment depends on the bank’s valuation, TAN/TAEG, insurance and fees. The payment does not include IMT or Stamp Duty — estimate those on the IMT guide.
Introduction · we are not a credit intermediary
Cavalcanti RealEstate Team (AMI 18470) does not intermediate credit and does not lend. We work with licensed credit intermediaries. If you wish, we will ask a partner to contact you — the process is usually simpler than going to one bank alone and lets you compare offers. Better terms are not guaranteed: the bank always decides. We typically get back to you within 24 hours.
Reply typically within 24 hours
By sending, you allow CRT to share your name, email and phone with a partner credit intermediary, for this request only.