This tool does not ask for or store the client’s email. Results stay on the page — you can print or save as PDF.
Estimate · not a bank offer
Estimate the monthly payment
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. The real payment depends on the bank’s valuation, TAN/TAEG, insurance and fees. The payment does not include IMT or Stamp Duty.