{"id":121975,"date":"2026-09-26T17:51:58","date_gmt":"2026-09-26T16:51:58","guid":{"rendered":"https:\/\/sunnysteve.com\/simulateur-pret-immobilier-portugal\/"},"modified":"2026-10-03T06:48:20","modified_gmt":"2026-10-03T05:48:20","slug":"simulateur-pret-immobilier-portugal","status":"publish","type":"page","link":"https:\/\/sunnysteve.com\/fr\/simulateur-pret-immobilier-portugal\/","title":{"rendered":"Simulateur de pr\u00eat immobilier au Portugal pour \u00e9trangers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"121975\" class=\"elementor elementor-121975 elementor-121962\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a1dfaa6 e-flex e-con-boxed e-con e-parent\" data-id=\"3a1dfaa6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68a51e59 elementor-widget elementor-widget-text-editor\" data-id=\"68a51e59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"ssmc-page\"><h1>Portugal Mortgage Calculator for Foreigners<\/h1><p>Thinking of buying in the Algarve with a Portuguese mortgage? Enter your numbers below to see the price range a bank is likely to finance, with taxes and purchase costs included. It takes under a minute and nothing is stored.<\/p><style id=\"ssmc-css\">\n.ssmc{--d:#1d1d1d;--b:#697c88;--s:#ec8a7a;--l:#e3e6e8;--t:#4a5257;max-width:var(--ssmc-maxw,1140px);width:100%;margin:0 auto;\n padding:28px 20px;background:#fff;border-radius:14px;box-shadow:0 2px 18px rgba(29,29,29,.08);color:var(--d);font-family:inherit;box-sizing:border-box}\n@media(min-width:1000px){.ssmc{padding:40px 44px}}\n.ssmc *,.ssmc *::before,.ssmc *::after{box-sizing:inherit}\n.ssmc__h{margin:0 0 10px;font-size:clamp(1.35rem,3vw,1.85rem);line-height:1.22;font-weight:900}\n.ssmc__intro{margin:0 0 12px;font-size:1rem;line-height:1.55;color:var(--t)}\n.ssmc__stamp{display:inline-block;margin:0 0 22px;padding:5px 12px;font-size:.76rem;font-weight:700;letter-spacing:.02em;\n color:var(--b);background:rgba(105,124,136,.11);border-radius:999px;line-height:1.4}\n.ssmc__tabs{display:flex;flex-wrap:wrap;gap:0;margin:0 0 22px;border-bottom:2px solid var(--l)}\n.ssmc__tab{flex:1 1 220px;padding:13px 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class=\"ssmc__cfg\">{\"lang\":\"fr\",\"rules\":{\"dsti\":0.45,\"stress\":{\"long\":1.5,\"mid\":1,\"short\":0.5},\"term_young\":40,\"term_other\":35,\"end_age\":75,\"age70_factor\":0.8,\"min_term\":5,\"ltv\":{\"res_main\":0.9,\"res_other\":0.8,\"nonres\":0.7},\"rate\":{\"res\":3,\"nonres\":3.5},\"fx_haircut\":0.15,\"ltv_best\":{\"res_main\":0.9,\"res_other\":0.8,\"nonres\":0.8},\"fx_haircut_best\":0.1,\"fixed_test\":{\"res\":4.2,\"nonres\":4.5},\"stamp_buy\":0.008,\"stamp_loan\":0.006,\"lawyer\":0.0123,\"fixed_costs\":2000,\"imt_nonres\":0.075,\"imt_main\":[[106346,0,0],[145470,0.02,2126.92],[198347,0.05,6491.02],[330539,0.07,10457.96],[660982,0.08,13763.35]],\"imt_other\":[[106346,0.01,0],[145470,0.02,1063.46],[198347,0.05,5427.56],[330539,0.07,9394.5],[633931,0.08,12699.89]],\"imt_flat6_to\":1150853},\"fx\":{\"date\":\"2026-11-12\",\"r\":{\"EUR\":1,\"GBP\":0.83595,\"USD\":1.1081,\"CAD\":1.5789,\"CHF\":0.9232,\"SEK\":11.0628,\"NOK\":10.563,\"DKK\":7.4754,\"AUD\":1.6246}},\"search\":\"https:\\\/\\\/sunnysteve.com\\\/fr\\\/search-results\\\/\",\"wa\":\"351934916657\",\"i18n\":{\"heading\":\"Combien pouvez-vous emprunter au Portugal ?\",\"intro\":\"Une estimation rapide et indicative pour les acheteurs internationaux. Saisissez vos chiffres dans votre devise et d\u00e9couvrez le prix qu'une banque portugaise est susceptible de financer, taxes et frais d'achat compris.\",\"stamp\":\"Selon les r\u00e8gles de la Banque du Portugal et les bar\u00e8mes fiscaux 2026, mis \u00e0 jour en septembre 2026\",\"q_res\":\"O\u00f9 serez-vous r\u00e9sident fiscal au moment de l'achat ?\",\"res_pt\":\"Au Portugal\",\"res_abroad\":\"Hors du Portugal\",\"q_use\":\"\u00c0 quoi servira le bien ?\",\"use_main\":\"Ma r\u00e9sidence principale\",\"use_other\":\"R\u00e9sidence secondaire ou investissement\",\"currency\":\"Votre devise\",\"income\":\"Revenu net mensuel du foyer\",\"income_h\":\"Apr\u00e8s imp\u00f4ts, tous les emprunteurs\",\"debts\":\"Mensualit\u00e9s de cr\u00e9dits en cours\",\"debts_h\":\"Pr\u00eats immobiliers, auto, cartes de cr\u00e9dit. Laissez 0 si aucun\",\"age\":\"\u00c2ge de l'emprunteur le plus \u00e2g\u00e9\",\"cash\":\"\u00c9pargne disponible pour l'achat\",\"cash_h\":\"Apport plus taxes et frais\",\"adv\":\"Ajuster le taux d'int\u00e9r\u00eat\",\"rate\":\"Taux d'int\u00e9r\u00eat (%)\",\"rate_h\":\"Par d\u00e9faut, le taux moyen des nouveaux pr\u00eats immobiliers au Portugal, avec une marge pour les non-r\u00e9sidents\",\"btn\":\"Calculer mon budget\",\"err_income\":\"Veuillez indiquer votre revenu net mensuel.\",\"err_age\":\"Veuillez indiquer un \u00e2ge entre 18 et 75 ans.\",\"err_cash\":\"Veuillez indiquer l'\u00e9pargne que vous pouvez consacrer \u00e0 l'achat.\",\"err_term\":\"\u00c0 cet \u00e2ge, la dur\u00e9e du pr\u00eat serait inf\u00e9rieure \u00e0 5 ans, ce que la plupart des banques portugaises refusent. Parlons des alternatives.\",\"err_debts\":\"Vos mensualit\u00e9s actuelles utilisent d\u00e9j\u00e0 toute la part de revenu qu'une banque portugaise peut prendre en compte (45 %). Parlons-en.\",\"err_small\":\"Votre \u00e9pargne ne couvre pas encore l'apport et les frais d'achat sur ce march\u00e9. Voyons ensemble comment y arriver.\",\"r_lead\":\"Avec les banques les plus souples, vous pourriez viser des biens jusqu'\u00e0 environ\",\"r_loan\":\"Avec un pr\u00eat d'environ %s (%s du prix)\",\"r_pay\":\"Mensualit\u00e9 d'environ %s sur %s ans au taux de %s %%\",\"r_stress\":\"La banque teste votre capacit\u00e9 \u00e0 %s %%, une hausse des taux est donc d\u00e9j\u00e0 prise en compte.\",\"t_title\":\"Le d\u00e9tail du calcul\",\"t_price\":\"Prix d'achat\",\"t_loan\":\"Pr\u00eat immobilier\",\"t_dep\":\"Votre apport\",\"t_imt\":\"IMT (droits de mutation)\",\"t_stamp\":\"Droit de timbre (achat et pr\u00eat)\",\"t_fees\":\"Avocat, acte, enregistrement et frais bancaires\",\"t_cash\":\"Total des fonds propres n\u00e9cessaires\",\"t_have\":\"Votre \u00e9pargne\",\"bind_inc\":\"Ici, c'est votre revenu qui limite le pr\u00eat, \u00e0 environ %s. Plus d'\u00e9pargne augmenterait encore votre budget euro pour euro, mais le pr\u00eat lui-m\u00eame ne peut grandir qu'avec un revenu plus \u00e9lev\u00e9 ou moins de mensualit\u00e9s en cours.\",\"bind_cash\":\"Ici, c'est votre \u00e9pargne qui fixe la limite, car la banque finance au maximum %s du prix. Votre revenu permettrait un pr\u00eat allant jusqu'\u00e0 environ %s, donc chaque %s d'\u00e9pargne suppl\u00e9mentaire augmenterait votre budget d'environ %s.\",\"n_nonres\":\"Depuis mai 2026, les acheteurs non r\u00e9sidents fiscaux au Portugal paient un IMT forfaitaire de 7,5 % sur le prix total. Il ne s'applique pas si vous avez d\u00e9j\u00e0 \u00e9t\u00e9 r\u00e9sident fiscal au Portugal, et l'exc\u00e9dent peut \u00eatre r\u00e9cup\u00e9r\u00e9 si vous devenez r\u00e9sident dans les 2 ans. En tant que r\u00e9sident, l'IMT sur ce prix serait d'environ %s au lieu de %s.\",\"n_nonres_main\":\"Vous envisagez de vous installer ici ? Une fois r\u00e9sident fiscal, les banques peuvent financer jusqu'\u00e0 90 % d'une r\u00e9sidence principale et l'IMT passe aux taux des r\u00e9sidents.\",\"n_young\":\"Vous avez 35 ans ou moins et achetez votre premi\u00e8re r\u00e9sidence principale ? Vous pourriez b\u00e9n\u00e9ficier de l'exon\u00e9ration d'IMT et de droit de timbre et de la garantie de l'\u00c9tat permettant un financement jusqu'\u00e0 100 %. Ce n'est pas inclus ici.\",\"n_age70\":\"Pour un pr\u00eat qui d\u00e9passe 70 ans, le revenu compte 20 % de moins pour ces ann\u00e9es, nous avons donc aussi test\u00e9 un pr\u00eat plus court se terminant \u00e0 70 ans. Nous avons retenu l'option qui donne le pr\u00eat le plus \u00e9lev\u00e9.\",\"n_fx\":\"Le revenu en %s est converti au taux BCE de %s et r\u00e9duit de 10 %% \u00e0 15 %%, car les banques tiennent compte du risque de change.\",\"a_title\":\"Les hypoth\u00e8ses de cette estimation\",\"a_1\":\"Mensualit\u00e9s de tous les cr\u00e9dits plafonn\u00e9es \u00e0 45 % du revenu net (Banque du Portugal, depuis ao\u00fbt 2026).\",\"a_2\":\"Capacit\u00e9 test\u00e9e \u00e0 votre taux plus 1,5 point pour les taux variables et mixtes. Un taux fixe sur 30 ans (environ %s %% aujourd'hui) n'est pas soumis au test de r\u00e9sistance, ce qui permet \u00e0 certains acheteurs d'emprunter davantage.\",\"a_3\":\"Quotit\u00e9 de financement : 90 % pour la r\u00e9sidence principale d'un r\u00e9sident, 80 % pour les autres achats de r\u00e9sidents. Pour les non-r\u00e9sidents, la plupart des banques financent 70 %, et certaines jusqu'\u00e0 80 % pour les acheteurs de l'UE, du Royaume-Uni, des \u00c9tats-Unis et du Canada.\",\"a_4\":\"Dur\u00e9e maximale de 40 ans jusqu'\u00e0 35 ans, 35 ans au-del\u00e0, avec fin du pr\u00eat avant 75 ans.\",\"a_5\":\"Frais : bar\u00e8mes IMT 2026, droit de timbre de 0,8 % sur le prix et 0,6 % sur le pr\u00eat, avocat \u00e0 1 % plus TVA et environ %s pour l'acte, l'enregistrement et les frais bancaires.\",\"disclaimer\":\"Il s'agit d'une estimation indicative, et non d'une offre de pr\u00eat ni d'un conseil financier. Chaque banque applique ses propres crit\u00e8res et le montant final d\u00e9pend d'une \u00e9tude de cr\u00e9dit compl\u00e8te.\",\"cta_props\":\"Voir les biens jusqu'\u00e0 %s\",\"cta_wa\":\"V\u00e9rifier mes chiffres avec Steve\",\"wa_msg\":\"Bonjour Steve, j'ai utilis\u00e9 votre calculateur de pr\u00eat immobilier. Il indique que je pourrais viser des biens jusqu'\u00e0 environ %s, avec un pr\u00eat d'environ %s. Pouvons-nous en parler ?\",\"tab_cap\":\"Combien puis-je emprunter ?\",\"tab_cost\":\"Mensualit\u00e9 et co\u00fbts\",\"price\":\"Prix du bien (\u20ac)\",\"price_h\":\"Le prix que vous envisagez\",\"deposit\":\"Votre apport (\u20ac)\",\"deposit_h\":\"Fonds propres, hors taxes et frais\",\"term\":\"Dur\u00e9e du pr\u00eat (ann\u00e9es)\",\"term_h\":\"Jusqu'\u00e0 40 ans, selon l'\u00e2ge\",\"btn_cost\":\"Calculer mes co\u00fbts\",\"err_price\":\"Veuillez indiquer le prix du bien.\",\"err_deposit\":\"Veuillez indiquer un apport inf\u00e9rieur au prix.\",\"err_termv\":\"Veuillez indiquer une dur\u00e9e entre 5 et 40 ans.\",\"c_lead\":\"Votre mensualit\u00e9 serait d'environ\",\"c_sub\":\"Pour un pr\u00eat de %s (%s du prix) sur %s ans au taux de %s %%\",\"c_stamp\":\"S'y ajoutent environ %s par mois de droit de timbre sur les int\u00e9r\u00eats (4 %%), que la banque int\u00e8gre \u00e0 chaque \u00e9ch\u00e9ance.\",\"c_stress\":\"Si les taux augmentaient de %s points, la mensualit\u00e9 serait d'environ %s.\",\"c_income\":\"Pour accorder le pr\u00eat, les banques chercheraient un revenu net du foyer d'au moins environ %s par mois, davantage si vous avez d'autres cr\u00e9dits. Les revenus dans une autre devise sont g\u00e9n\u00e9ralement d\u00e9cot\u00e9s d'environ 15 %%.\",\"ct_cash\":\"Fonds n\u00e9cessaires \u00e0 l'acte\",\"ct_loan\":\"Ce que le pr\u00eat vous co\u00fbte\",\"ct_pay\":\"Mensualit\u00e9\",\"ct_int\":\"Total des int\u00e9r\u00eats\",\"ct_sint\":\"Droit de timbre sur les int\u00e9r\u00eats (4 %)\",\"ct_repaid\":\"Total rembours\u00e9 \u00e0 la banque\",\"ct_bal5\":\"Capital restant d\u00fb apr\u00e8s 5 ans\",\"ct_bal10\":\"Capital restant d\u00fb apr\u00e8s 10 ans\",\"w_ltv1\":\"Ce pr\u00eat repr\u00e9sente %s du prix. Les banques financent g\u00e9n\u00e9ralement jusqu'\u00e0 %s dans votre cas, pr\u00e9voyez donc un apport d'au moins %s.\",\"w_ltv\":\"Ce pr\u00eat repr\u00e9sente %s du prix. La plupart des banques financent jusqu'\u00e0 %s dans votre cas, certaines jusqu'\u00e0 %s, pr\u00e9voyez donc un apport d'au moins %s.\",\"w_term\":\"\u00c0 cet \u00e2ge, les banques pr\u00eatent g\u00e9n\u00e9ralement sur %s ans au maximum. Sur %s ans, la mensualit\u00e9 serait d'environ %s.\",\"cta_cost\":\"Estimer la mensualit\u00e9 de ce pr\u00eat\",\"wa_cost\":\"Bonjour Steve, j'ai utilis\u00e9 votre calculateur de pr\u00eat pour un bien d'environ %s, avec un pr\u00eat de %s sur %s ans (environ %s par mois). Pouvons-nous en parler ?\",\"a_6\":\"Les mensualit\u00e9s sont constantes, avec un taux identique sur toute la dur\u00e9e. En pratique, la plupart des pr\u00eats au Portugal sont \u00e0 taux mixte ou variable, la mensualit\u00e9 peut donc \u00e9voluer.\",\"r_typical\":\"Une offre bancaire classique serait plus basse : environ %s, avec un pr\u00eat d'environ %s.\",\"again\":\"Recalculer\",\"r_lead2\":\"\"}}<\/script>\n\t\t\t<p class=\"ssmc__stamp\">Selon les r\u00e8gles de la Banque du Portugal et les bar\u00e8mes fiscaux 2026, mis \u00e0 jour en septembre 2026<\/p>\n\n\t<div class=\"ssmc__tabs\" role=\"tablist\">\n\t\t<button type=\"button\" role=\"tab\" class=\"ssmc__tab is-on\" data-mode=\"cap\" aria-selected=\"true\"><span>1<\/span> Combien puis-je emprunter ?<\/button>\n\t\t<button type=\"button\" role=\"tab\" class=\"ssmc__tab\" data-mode=\"cost\" aria-selected=\"false\"><span>2<\/span> Mensualit\u00e9 et co\u00fbts<\/button>\n\t<\/div>\n\n\t<div class=\"ssmc__form\" role=\"form\" data-mode=\"cap\">\n\t\t<div class=\"ssmc__q\">\n\t\t\t<span class=\"ssmc__ql\">O\u00f9 serez-vous r\u00e9sident fiscal au moment de l&#039;achat ?<\/span>\n\t\t\t<div class=\"ssmc__seg\" role=\"radiogroup\">\n\t\t\t\t<input type=\"radio\" id=\"ssmc-ZgM9rX-r1\" name=\"res\" value=\"nonres\" checked>\n\t\t\t\t<label for=\"ssmc-ZgM9rX-r1\">Hors du Portugal<\/label>\n\t\t\t\t<input type=\"radio\" id=\"ssmc-ZgM9rX-r2\" name=\"res\" value=\"res\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-r2\">Au Portugal<\/label>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"ssmc__q\">\n\t\t\t<span class=\"ssmc__ql\">\u00c0 quoi servira le bien ?<\/span>\n\t\t\t<div class=\"ssmc__seg\" role=\"radiogroup\">\n\t\t\t\t<input type=\"radio\" id=\"ssmc-ZgM9rX-u1\" name=\"use\" value=\"main\" checked>\n\t\t\t\t<label for=\"ssmc-ZgM9rX-u1\">Ma r\u00e9sidence principale<\/label>\n\t\t\t\t<input type=\"radio\" id=\"ssmc-ZgM9rX-u2\" name=\"use\" value=\"other\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-u2\">R\u00e9sidence secondaire ou investissement<\/label>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"ssmc__grid ssmc__grid--cap\">\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-cur\">Votre devise<\/label>\n\t\t\t\t<select id=\"ssmc-ZgM9rX-cur\" name=\"cur\">\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EUR\" selected='selected'>EUR<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GBP\">GBP<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"USD\">USD<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CAD\">CAD<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CHF\">CHF<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SEK\">SEK<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NOK\">NOK<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DKK\">DKK<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AUD\">AUD<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-inc\">Revenu net mensuel du foyer<\/label>\n\t\t\t\t<input id=\"ssmc-ZgM9rX-inc\" name=\"inc\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"6 000\">\n\t\t\t\t<small>Apr\u00e8s imp\u00f4ts, tous les emprunteurs<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-debt\">Mensualit\u00e9s de cr\u00e9dits en cours<\/label>\n\t\t\t\t<input id=\"ssmc-ZgM9rX-debt\" name=\"debt\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" value=\"0\">\n\t\t\t\t<small>Pr\u00eats immobiliers, auto, cartes de cr\u00e9dit. Laissez 0 si aucun<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-cash\">\u00c9pargne disponible pour l&#039;achat<\/label>\n\t\t\t\t<input id=\"ssmc-ZgM9rX-cash\" name=\"cash\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"150 000\">\n\t\t\t\t<small>Apport plus taxes et frais<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-age\">\u00c2ge de l&#039;emprunteur le plus \u00e2g\u00e9<\/label>\n\t\t\t\t<input id=\"ssmc-ZgM9rX-age\" name=\"age\" type=\"number\" inputmode=\"numeric\" min=\"18\" max=\"75\" placeholder=\"45\">\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"ssmc__grid ssmc__grid--cost\" hidden>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-price\">Prix du bien (\u20ac)<\/label>\n\t\t\t\t<input id=\"ssmc-ZgM9rX-price\" name=\"price\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"450 000\">\n\t\t\t\t<small>Le prix que vous envisagez<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-dep\">Votre apport (\u20ac)<\/label>\n\t\t\t\t<input id=\"ssmc-ZgM9rX-dep\" name=\"dep\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"135 000\">\n\t\t\t\t<small>Fonds propres, hors taxes et frais<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-term\">Dur\u00e9e du pr\u00eat (ann\u00e9es)<\/label>\n\t\t\t\t<input id=\"ssmc-ZgM9rX-term\" name=\"term\" type=\"number\" inputmode=\"numeric\" min=\"5\" max=\"40\" value=\"30\">\n\t\t\t\t<small>Jusqu&#039;\u00e0 40 ans, selon l&#039;\u00e2ge<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-age2\">\u00c2ge de l&#039;emprunteur le plus \u00e2g\u00e9<\/label>\n\t\t\t\t<input id=\"ssmc-ZgM9rX-age2\" name=\"age2\" type=\"number\" inputmode=\"numeric\" min=\"18\" max=\"75\" placeholder=\"45\">\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<details class=\"ssmc__adv\">\n\t\t\t<summary>Ajuster le taux d&#039;int\u00e9r\u00eat<\/summary>\n\t\t\t<div class=\"ssmc__f ssmc__f--rate\">\n\t\t\t\t<label for=\"ssmc-ZgM9rX-rate\">Taux d&#039;int\u00e9r\u00eat (%)<\/label>\n\t\t\t\t<input id=\"ssmc-ZgM9rX-rate\" name=\"rate\" type=\"number\" step=\"0.05\" min=\"0.5\" max=\"10\">\n\t\t\t\t<small>Par d\u00e9faut, le taux moyen des nouveaux pr\u00eats immobiliers au Portugal, avec une marge pour les non-r\u00e9sidents<\/small>\n\t\t\t<\/div>\n\t\t<\/details>\n\n\t\t<button type=\"button\" class=\"ssmc__btn\">Calculer mon budget<\/button>\n\t\t<p class=\"ssmc__err\" role=\"alert\" hidden><\/p>\n\t<\/div>\n\n\t<div class=\"ssmc__out\" aria-live=\"polite\" hidden><\/div>\n\t<p class=\"ssmc__disc\">Il s&#039;agit d&#039;une estimation indicative, et non d&#039;une offre de pr\u00eat ni d&#039;un conseil financier. Chaque banque applique ses propres crit\u00e8res et le montant final d\u00e9pend d&#039;une \u00e9tude de cr\u00e9dit compl\u00e8te.<\/p>\n<\/section>\n\t\t<h2>Portuguese mortgages for international buyers: common questions<\/h2><h3>Can foreigners get a mortgage in Portugal?<\/h3><p>Yes. Portuguese banks lend to both residents and non-residents. Non-residents can usually borrow up to about 70% of the purchase price, while tax residents buying their main home can borrow up to 90%. The bank looks at your net income, your existing debts, your age and where your income is earned.<\/p><h3>How much can I borrow in Portugal?<\/h3><p>Since August 2026, the Banco de Portugal caps the monthly repayments on all your loans at 45% of your net income, and banks must test that figure at a higher interest rate. In practice, your budget is the lower of what your income supports and what your savings can cover as deposit plus purchase costs. The calculator above works out both.<\/p><h3>What does a non-resident pay in purchase tax?<\/h3><p>Since May 2026, buyers who are not tax resident in Portugal pay IMT at a flat 7.5% of the full price, plus 0.8% stamp duty. This does not apply if you have been tax resident in Portugal before, and the difference can be reclaimed if you become tax resident within two years of buying. Residents pay IMT on a sliding scale.<\/p><h3>How much cash do I need on top of the deposit?<\/h3><p>Plan on roughly 7% to 10% of the price for a resident purchase, and more for a non-resident because of the flat 7.5% IMT. That covers transfer tax, stamp duty on the purchase and the loan, notary and registry, bank fees and a lawyer.<\/p><h3>Is this an official mortgage offer?<\/h3><p>No. It is an indicative estimate to help you plan. Every bank has its own criteria, and the final figure depends on a full credit assessment. Steve can introduce you to lenders and brokers who work with international buyers.<\/p><p>Already have a price in mind? Use the <a href=\"https:\/\/sunnysteve.com\/cost-calculator\/\">closing cost calculator<\/a> to see the full cost of a specific purchase, or <a href=\"https:\/\/sunnysteve.com\/properties\/\">browse properties across the Algarve<\/a>.<\/p><\/div><p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@graph\": [{\"@type\": \"SoftwareApplication\", \"name\": \"Portugal Mortgage Calculator for Foreigners\", \"description\": \"Free tool estimating how much an international buyer could borrow for a property in Portugal, with deposit, IMT, stamp duty and purchase costs, based on Banco de Portugal rules.\", \"applicationCategory\": \"FinanceApplication\", \"operatingSystem\": \"Web Browser\", \"url\": \"https:\/\/sunnysteve.com\/portugal-mortgage-calculator\/\", \"inLanguage\": \"en\", \"offers\": {\"@type\": \"Offer\", \"price\": \"0\", \"priceCurrency\": \"EUR\"}, \"creator\": {\"@type\": \"Organization\", \"name\": \"SunnySteve Real Estate\", \"url\": \"https:\/\/sunnysteve.com\"}}, {\"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Can foreigners get a mortgage in Portugal?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. 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D\u00e9couvrez combien vous pourriez emprunter, votre apport, l&#8217;IMT et les frais d&#8217;achat, selon les r\u00e8gles 2026 de la Banque du Portugal.<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-121975","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Portugal Mortgage Calculator for ForeignersThinking of buying in the Algarve with a Portuguese mortgage? Enter your numbers below to see the price range a bank is likely to finance, with taxes and purchase costs included. It takes under a minute and nothing is stored. 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