{"id":121979,"date":"2026-09-26T17:51:58","date_gmt":"2026-09-26T16:51:58","guid":{"rendered":"https:\/\/sunnysteve.com\/hypotheekcalculator-portugal\/"},"modified":"2026-10-03T06:48:22","modified_gmt":"2026-10-03T05:48:22","slug":"hypotheekcalculator-portugal","status":"publish","type":"page","link":"https:\/\/sunnysteve.com\/nl\/hypotheekcalculator-portugal\/","title":{"rendered":"Hypotheekcalculator Portugal voor buitenlanders"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"121979\" class=\"elementor elementor-121979 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\":\"nl\",\"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\\\/nl\\\/search-results\\\/\",\"wa\":\"351934916657\",\"i18n\":{\"heading\":\"Hoeveel kunt u lenen in Portugal?\",\"intro\":\"Een snelle, indicatieve schatting voor internationale kopers. Vul uw gegevens in uw eigen valuta in en zie welke aankoopprijs een Portugese bank waarschijnlijk financiert, inclusief belastingen en aankoopkosten.\",\"stamp\":\"Op basis van de regels van de Banco de Portugal en de belastingtabellen 2026, bijgewerkt september 2026\",\"q_res\":\"Waar bent u fiscaal inwoner bij de aankoop?\",\"res_pt\":\"In Portugal\",\"res_abroad\":\"Buiten Portugal\",\"q_use\":\"Waarvoor is de woning bedoeld?\",\"use_main\":\"Mijn hoofdverblijf\",\"use_other\":\"Vakantiewoning of belegging\",\"currency\":\"Uw valuta\",\"income\":\"Netto maandinkomen van het huishouden\",\"income_h\":\"Na belastingen, alle kredietnemers samen\",\"debts\":\"Huidige maandelijkse aflossingen\",\"debts_h\":\"Hypotheken, autoleningen, creditcards. Vul 0 in als u geen heeft\",\"age\":\"Leeftijd van de oudste kredietnemer\",\"cash\":\"Beschikbaar spaargeld voor de aankoop\",\"cash_h\":\"Aanbetaling plus belastingen en kosten\",\"adv\":\"Rente aanpassen\",\"rate\":\"Rente (%)\",\"rate_h\":\"Standaard gebaseerd op de gemiddelde rente op nieuwe Portugese hypotheken, plus een opslag voor niet-ingezetenen\",\"btn\":\"Bereken mijn budget\",\"err_income\":\"Vul uw netto maandinkomen in.\",\"err_age\":\"Vul een leeftijd tussen 18 en 75 in.\",\"err_cash\":\"Vul het spaargeld in dat u voor de aankoop kunt inzetten.\",\"err_term\":\"Op deze leeftijd zou de looptijd korter zijn dan 5 jaar, wat de meeste Portugese banken niet aanbieden. Laten we de alternatieven bespreken.\",\"err_debts\":\"Uw huidige aflossingen gebruiken het deel van uw inkomen dat een Portugese bank meetelt (45%) al volledig. Laten we het bespreken.\",\"err_small\":\"Uw spaargeld dekt de aanbetaling en aankoopkosten in deze markt nog niet. Laten we bekijken hoe u daar komt.\",\"r_lead\":\"Bij de meest flexibele banken zou u kunnen kijken naar woningen tot ongeveer\",\"r_loan\":\"Met een lening van ongeveer %s (%s van de prijs)\",\"r_pay\":\"Maandlast ongeveer %s over %s jaar tegen %s%%\",\"r_stress\":\"De bank toetst de betaalbaarheid tegen %s%%, dus een rentestijging is al meegerekend.\",\"t_title\":\"Zo komen de cijfers tot stand\",\"t_price\":\"Aankoopprijs\",\"t_loan\":\"Hypotheek\",\"t_dep\":\"Uw aanbetaling\",\"t_imt\":\"IMT (overdrachtsbelasting)\",\"t_stamp\":\"Zegelrecht (aankoop en lening)\",\"t_fees\":\"Advocaat, notaris, registratie en bankkosten\",\"t_cash\":\"Totaal benodigd eigen geld\",\"t_have\":\"Uw spaargeld\",\"bind_inc\":\"Hier bepaalt uw inkomen de grens van de lening, op ongeveer %s. Extra spaargeld verhoogt uw budget nog steeds euro voor euro, maar de lening zelf groeit alleen met een hoger inkomen of lagere huidige aflossingen.\",\"bind_cash\":\"Hier bepaalt uw spaargeld de grens, omdat de bank maximaal %s van de prijs financiert. Uw inkomen zou een lening tot ongeveer %s dragen, dus elke extra %s spaargeld verhoogt uw budget met ongeveer %s.\",\"n_nonres\":\"Sinds mei 2026 betalen kopers die geen fiscaal inwoner van Portugal zijn een vast IMT tarief van 7,5% over de volledige prijs. Dit geldt niet als u eerder fiscaal inwoner van Portugal was, en het meerdere kan worden teruggevraagd als u binnen 2 jaar inwoner wordt. Als inwoner zou de IMT op deze prijs ongeveer %s zijn in plaats van %s.\",\"n_nonres_main\":\"Van plan om hier te komen wonen? Als fiscaal inwoner kunnen banken tot 90% van een hoofdverblijf financieren en daalt de IMT naar de tarieven voor inwoners.\",\"n_young\":\"Bent u 35 of jonger en koopt u uw eerste hoofdverblijf? Mogelijk komt u in aanmerking voor vrijstelling van IMT en zegelrecht en voor de staatsgarantie die tot 100% financiering mogelijk maakt. Dit is hier niet meegenomen.\",\"n_age70\":\"Bij een lening die doorloopt na uw 70e telt het inkomen voor die jaren 20% lager, daarom hebben we ook een kortere lening tot 70 getoetst. We hebben de optie met de hoogste lening gebruikt.\",\"n_fx\":\"Inkomen in %s is omgerekend tegen de ECB koers van %s en met 10%% tot 15%% verlaagd, omdat banken rekening houden met valutarisico.\",\"a_title\":\"De aannames achter deze schatting\",\"a_1\":\"Aflossingen op alle leningen samen maximaal 45% van het netto inkomen (Banco de Portugal, sinds augustus 2026).\",\"a_2\":\"Betaalbaarheid getoetst tegen uw rente plus 1,5 procentpunt bij variabele en gemengde rente. Een vaste rente over 30 jaar (vandaag ongeveer %s%%) valt niet onder de stresstest, waardoor sommige kopers meer kunnen lenen.\",\"a_3\":\"Financiering: 90% voor het hoofdverblijf van inwoners, 80% voor andere aankopen van inwoners. Voor niet-ingezetenen financieren de meeste banken 70%, sommige tot 80% voor kopers uit de EU, het VK, de VS en Canada.\",\"a_4\":\"Maximale looptijd 40 jaar tot 35 jaar oud, daarna 35 jaar, met einde van de lening uiterlijk op 75 jaar.\",\"a_5\":\"Kosten: IMT tabellen 2026, 0,8% zegelrecht op de prijs, 0,6% op de lening, advocaat 1% plus btw en ongeveer %s voor notaris, registratie en bankkosten.\",\"disclaimer\":\"Dit is een indicatieve schatting, geen hypotheekaanbod of financieel advies. Elke bank hanteert eigen criteria en het uiteindelijke bedrag hangt af van een volledige kredietbeoordeling.\",\"cta_props\":\"Bekijk woningen tot %s\",\"cta_wa\":\"Mijn cijfers met Steve bespreken\",\"wa_msg\":\"Hallo Steve, ik heb uw hypotheekcalculator gebruikt. Volgens de uitkomst kan ik kijken naar woningen tot ongeveer %s, met een lening van ongeveer %s. Kunnen we het bespreken?\",\"tab_cap\":\"Hoeveel kan ik lenen?\",\"tab_cost\":\"Maandlast en kosten\",\"price\":\"Prijs van de woning (\u20ac)\",\"price_h\":\"De prijs die u overweegt\",\"deposit\":\"Uw aanbetaling (\u20ac)\",\"deposit_h\":\"Eigen geld, zonder belastingen en kosten\",\"term\":\"Looptijd (jaren)\",\"term_h\":\"Tot 40 jaar, afhankelijk van leeftijd\",\"btn_cost\":\"Bereken mijn kosten\",\"err_price\":\"Vul de prijs van de woning in.\",\"err_deposit\":\"Vul een aanbetaling in die lager is dan de prijs.\",\"err_termv\":\"Vul een looptijd tussen 5 en 40 jaar in.\",\"c_lead\":\"Uw maandlast zou ongeveer zijn\",\"c_sub\":\"Voor een lening van %s (%s van de prijs) over %s jaar tegen %s%%\",\"c_stamp\":\"Daarbij komt ongeveer %s per maand zegelrecht op de rente (4%%), dat de bank aan elke termijn toevoegt.\",\"c_stress\":\"Als de rente met %s procentpunt zou stijgen, zou de maandlast ongeveer %s zijn.\",\"c_income\":\"Om goedgekeurd te worden, verwachten banken een netto gezinsinkomen van minstens ongeveer %s per maand, meer als u andere leningen heeft. Inkomen in een andere valuta wordt meestal met ongeveer 15%% verlaagd.\",\"ct_cash\":\"Benodigd eigen geld bij de akte\",\"ct_loan\":\"Wat de lening u kost\",\"ct_pay\":\"Maandlast\",\"ct_int\":\"Totale rente\",\"ct_sint\":\"Zegelrecht op rente (4%)\",\"ct_repaid\":\"Totaal terugbetaald aan de bank\",\"ct_bal5\":\"Restschuld na 5 jaar\",\"ct_bal10\":\"Restschuld na 10 jaar\",\"w_ltv1\":\"Deze lening is %s van de prijs. Banken financieren in uw geval meestal tot %s, reken dus op een aanbetaling van minstens %s.\",\"w_ltv\":\"Deze lening is %s van de prijs. De meeste banken financieren in uw geval tot %s, sommige tot %s, reken dus op een aanbetaling van minstens %s.\",\"w_term\":\"Op deze leeftijd lenen banken meestal over maximaal %s jaar. Over %s jaar zou de maandlast ongeveer %s zijn.\",\"cta_cost\":\"Bereken de maandlast van deze lening\",\"wa_cost\":\"Hallo Steve, ik heb uw hypotheekcalculator gebruikt voor een woning van ongeveer %s, met een lening van %s over %s jaar (ongeveer %s per maand). Kunnen we het bespreken?\",\"a_6\":\"De maandlasten zijn gelijkblijvend, met dezelfde rente over de hele looptijd. In de praktijk hebben de meeste Portugese leningen een gemengde of variabele rente, dus de maandlast kan veranderen.\",\"r_typical\":\"Een gangbaar bankaanbod zou lager liggen: ongeveer %s, met een lening van ongeveer %s.\",\"again\":\"Opnieuw berekenen\",\"r_lead2\":\"\"}}<\/script>\n\t\t\t<p class=\"ssmc__stamp\">Op basis van de regels van de Banco de Portugal en de belastingtabellen 2026, bijgewerkt september 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> Hoeveel kan ik lenen?<\/button>\n\t\t<button type=\"button\" role=\"tab\" class=\"ssmc__tab\" data-mode=\"cost\" aria-selected=\"false\"><span>2<\/span> Maandlast en kosten<\/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\">Waar bent u fiscaal inwoner bij de aankoop?<\/span>\n\t\t\t<div class=\"ssmc__seg\" role=\"radiogroup\">\n\t\t\t\t<input type=\"radio\" id=\"ssmc-rKB9Ar-r1\" name=\"res\" value=\"nonres\" checked>\n\t\t\t\t<label for=\"ssmc-rKB9Ar-r1\">Buiten Portugal<\/label>\n\t\t\t\t<input type=\"radio\" id=\"ssmc-rKB9Ar-r2\" name=\"res\" value=\"res\">\n\t\t\t\t<label for=\"ssmc-rKB9Ar-r2\">In 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\">Waarvoor is de woning bedoeld?<\/span>\n\t\t\t<div class=\"ssmc__seg\" role=\"radiogroup\">\n\t\t\t\t<input type=\"radio\" id=\"ssmc-rKB9Ar-u1\" name=\"use\" value=\"main\" checked>\n\t\t\t\t<label for=\"ssmc-rKB9Ar-u1\">Mijn hoofdverblijf<\/label>\n\t\t\t\t<input type=\"radio\" id=\"ssmc-rKB9Ar-u2\" name=\"use\" value=\"other\">\n\t\t\t\t<label for=\"ssmc-rKB9Ar-u2\">Vakantiewoning of belegging<\/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-rKB9Ar-cur\">Uw valuta<\/label>\n\t\t\t\t<select id=\"ssmc-rKB9Ar-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-rKB9Ar-inc\">Netto maandinkomen van het huishouden<\/label>\n\t\t\t\t<input id=\"ssmc-rKB9Ar-inc\" name=\"inc\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"6.000\">\n\t\t\t\t<small>Na belastingen, alle kredietnemers samen<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-rKB9Ar-debt\">Huidige maandelijkse aflossingen<\/label>\n\t\t\t\t<input id=\"ssmc-rKB9Ar-debt\" name=\"debt\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" value=\"0\">\n\t\t\t\t<small>Hypotheken, autoleningen, creditcards. Vul 0 in als u geen heeft<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-rKB9Ar-cash\">Beschikbaar spaargeld voor de aankoop<\/label>\n\t\t\t\t<input id=\"ssmc-rKB9Ar-cash\" name=\"cash\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"150.000\">\n\t\t\t\t<small>Aanbetaling plus belastingen en kosten<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-rKB9Ar-age\">Leeftijd van de oudste kredietnemer<\/label>\n\t\t\t\t<input id=\"ssmc-rKB9Ar-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-rKB9Ar-price\">Prijs van de woning (\u20ac)<\/label>\n\t\t\t\t<input id=\"ssmc-rKB9Ar-price\" name=\"price\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"450.000\">\n\t\t\t\t<small>De prijs die u overweegt<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-rKB9Ar-dep\">Uw aanbetaling (\u20ac)<\/label>\n\t\t\t\t<input id=\"ssmc-rKB9Ar-dep\" name=\"dep\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"135.000\">\n\t\t\t\t<small>Eigen geld, zonder belastingen en kosten<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-rKB9Ar-term\">Looptijd (jaren)<\/label>\n\t\t\t\t<input id=\"ssmc-rKB9Ar-term\" name=\"term\" type=\"number\" inputmode=\"numeric\" min=\"5\" max=\"40\" value=\"30\">\n\t\t\t\t<small>Tot 40 jaar, afhankelijk van leeftijd<\/small>\n\t\t\t<\/div>\n\t\t\t<div class=\"ssmc__f\">\n\t\t\t\t<label for=\"ssmc-rKB9Ar-age2\">Leeftijd van de oudste kredietnemer<\/label>\n\t\t\t\t<input id=\"ssmc-rKB9Ar-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>Rente aanpassen<\/summary>\n\t\t\t<div class=\"ssmc__f ssmc__f--rate\">\n\t\t\t\t<label for=\"ssmc-rKB9Ar-rate\">Rente (%)<\/label>\n\t\t\t\t<input id=\"ssmc-rKB9Ar-rate\" name=\"rate\" type=\"number\" step=\"0.05\" min=\"0.5\" max=\"10\">\n\t\t\t\t<small>Standaard gebaseerd op de gemiddelde rente op nieuwe Portugese hypotheken, plus een opslag voor niet-ingezetenen<\/small>\n\t\t\t<\/div>\n\t\t<\/details>\n\n\t\t<button type=\"button\" class=\"ssmc__btn\">Bereken mijn 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\">Dit is een indicatieve schatting, geen hypotheekaanbod of financieel advies. Elke bank hanteert eigen criteria en het uiteindelijke bedrag hangt af van een volledige kredietbeoordeling.<\/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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Zie hoeveel u kunt lenen, uw aanbetaling, IMT en aankoopkosten, op basis van de regels van de Banco de Portugal 2026.<\/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-121979","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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