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What do I need to be able to buy a house?

Tell us the house you want. We'll show you what's missing: down payment, costs, income, or too many credits. And in which month you'll be ready, with each change you make.
  • Bank rules and taxes for 2026
  • Public guarantee and Young IMT
  • No costs or commitment
How old are you?

Three questions and you'll know what's missing to buy a house

If buying with someone else, add both incomes and savings.
€

We assume €200,000, a reference value. Enter yours for an accurate calculation.
€

We assume €2,200 per month, a reference value.
€

We assume €15,000, a reference value.
We assume it's your first house, you're 30 years old, you save 10% of what you earn, and you have no other credits. We use a reference interest rate of 3.67%. These are assumptions.

How we calculate

We tell you whether you already have what it takes to buy a home and, if not, how long you still need.

  1. How much you need set aside

    Down payment, the promissory contract deposit, IMT, Stamp Duty and the deed. With the public guarantee, the down payment can be lower.Regulator's rule; Legal rule · DL n.º 44/2024; Assumption

  2. Whether the payment fits

    We test the hypothetical payment against the effort rate and the stressed rate.Regulator's rule

  3. How long is left

    If money is short, we divide what is missing by what you can save each month.Your data; Assumption

Illustrative Cases

Illustration: Íris and Gustavo with the key to their first home
Illustrative example

Íris and Gustavo thought they still had years to go.

Íris is 31 and Gustavo is younger. They live in Trofa. They want a T3 for €210,000. Together they earn €2,700 per month, have €9,500 in savings, and can set aside €450 per month.
  1. 1«With what we have set aside, how much longer until we can buy a house?»
  2. 2According to the rule of 10% down payment, they needed €24,174: they were short by €14,674, 2 years and 7 months to save. With the public guarantee, the bank can lend up to 100% of the price, and they only need €3,300 for the deed and the Stamp Duty on the loan. And the payment fits: it takes 37.3% of the income, with the rate 1.5 points higher.
  3. 3Since the guarantee is only valid for contracts until 12/31/26, they immediately asked CrediSegur to compare the loan across several banks.

Estimated monthly payment €810/month

With the public guaranteenow

With the public guarantee
now
instead of 2 years and 7 months waiting
Estimated monthly payment
€810/month
37.3% of income, with the rate 1.5 points higher
Young IMT
€5,922
in taxes saved
«We thought the problem was the salary. It was just the down payment.» — Íris
Illustration: Xavier with the car, looking at the house he wants to buy
Illustrative example

Xavier had the down payment. What held him back was the car loan.

He is 38 years old and lives in Felgueiras. He wants a T2 for €165,000, earns €1,750 per month, and has already saved €22,000. He pays €265 per month for the car. He never thought that payment counted towards the home loan.
  1. 1«I have more than 10% for the down payment. Why won't the bank lend me the rest?»
  2. 2For the down payment and costs, he needed €22,510 and had €22,000. The problem was different: with the car loan, the installments took up 59% of the income, and the limit recommended by Banco de Portugal is 45%. To compensate, he needed more €46,895 of his own money.
  3. 3The car loan ends in a year. By then, Xavier will have the down payment and the installment will fit. He asked CrediSegur to accompany him until then.

With the car loan 10 years and 1 month

Without the car installment2 months

Without the car installment
2 months
is what remains to be saved
With the car loan
10 years and 1 month
of waiting
Today, he can buy up to
€119,000
in price
«I was saving for the down payment and the obstacle was in the garage.» — Xavier
*Illustrative, non-binding example, with fictional characters and values that do not correspond to the offer of any credit institution. This does not constitute a credit offer and does not replace an assessment of each client’s personal and financial situation, nor the approval of the lending credit institution. TAN, TAEG and MTIC values are presented under the terms of Decree-Law no. 74-A/2017 and Banco de Portugal Notice no. 5/2024; the actual values are calculated by the lending credit institution in the European Standardised Information Sheet (ESIS). CrediSegur (CRRF – Brokerage, Lda.) — tied credit intermediary registered with Banco de Portugal under no. 0001290. Illustrative cases: characters, values, and conditions are fictional and serve only to demonstrate the simulator's functionality. Interest rates are assumptions and not credit offers. Credit approval is subject to bank approval.

What's True and What's Myth in Buying Your First Home

Four ideas we hear often, and what to do about each.
  • Myth«I need 20% for the down payment.»False. The bank lends up to 90% of the home's price to live in. Up to 35 years, with the public guarantee, it can lend up to 100%, in contracts signed until 12/31/26.What to do: Do the math with 10% and add the costs.
  • Depends«With the public guarantee, I don't need money.»You still need money for the deed and the Stamp Duty on the loan. And the installment is higher because you borrow more.What to do: See if the installment at 100% fits your income.
  • Truth«The car loan can block the home loan.»True. Banks add up all installments. A car or a card can leave little room for the home.What to do: See how much time you gain if you pay off those loans.
  • Myth«If I pay this rent, I can pay the installment.»False. The bank calculates with a higher interest rate than today and requires a down payment. Paying rent is not enough as proof.What to do: Test the installment with the higher rate, as banks do.

The next step

You already have this answer. Keep going — each tool prepares the next decision.

Support from a CrediSegur manager

A CrediSegur manager follows your request with the institutions we work with. Our intermediation service has no cost for you.

Frequently Asked Questions

At least 10% of the price for the down payment, plus costs: IMT, Stamp Duty, deed, and registrations. For a house of €200,000, without assistance, it's about €28,300. Up to 35 years old, for the first house, the IMT Jovem reduces costs to about €23,100.
The State guarantees up to 15% of the house price for those up to 35 years old buying their first home to live in, up to €450,000. Thus, the bank can lend up to 100% of the price. It applies to contracts signed until December 31, 2026. The law provides for it to be extended, but it hasn't been yet. There is an income limit and not all banks have joined.
Those up to 35 years old buying their first home to live in do not pay IMT or Stamp Duty on the price up to a certain amount, and above that, up to a second limit, only pay on the part that exceeds. It counts as a first home if you haven't owned any in the last three years.
They sum up the payments of all your credits and compare them with the family's income, after deductions. In variable or mixed rate, the house payment is calculated with an interest rate higher than the current one (up to 1.5 points above). The total should not exceed 45% of the income. It's a recommendation from Banco de Portugal, which banks follow.
Up to 35 years old, for 40 years. Between 36 and 40, for 35 years. After that, banks usually require the credit to end before 75 years old. It counts the age of the oldest person. The shorter the term, the higher the payment.
It accounts for a low annual return (2.5%), as an assumption. It's not guaranteed. You can change it or set it to zero in «Refine assumptions».
Official data verified on 10/20/2026 · Sources: Diário da República, Autoridade Tributária, Banco de Portugal, INE, Segurança Social, Assembleia da República · see sourcesData from INE – Portugal, reused under the CC BY 4.0 licence.
Important note: Informative simulation, with the IMT and Stamp Duty tables of 2026 for primary and permanent residence in the Mainland, the Banco de Portugal rules for mortgage credit, and the public guarantee scheme for young people. The interest rate and savings yield are assumptions you can change; they are not credit offers or guaranteed returns. This does not constitute tax or financial advice. Assumptions for preparation to buy (in Portuguese): Pressupostos CrediSegur. Public guarantee: DL n.º 44/2024 (garantia do Estado na primeira casa de jovens até 35 anos; contratos até 31/12/2026, com prorrogação possível). CRRF – BROKERAGE, LDA (CrediSegur) is a tied credit intermediary registered with Banco de Portugal (n.º 0001290) and an insurance agent registered with ASF (n.º 421571530); it does not charge fees for credit intermediation. The granting of credit is subject to bank approval. Insurance proposals only after analyzing the client's needs.