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Portugal Published Loan Rates

Variable-rate mortgages indexed to Euribor are common.

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Lowest Published APR

3.60%

Best rate benchmark currently on record

Market Average APR

5.45%

Mean across tracked lending products

Available Products

2 Benchmarks

Fixed, variable & personal credit

Statutory System

Crédito à habitação referenciado à Euribor

Verified statutory framework

Portugal Rate Directory

Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.

Lender / Benchmark	Category	Term	Rate (APR)	Type	Effective Date	Calculate
Portugal Crédito Habitação Taxa Fixa 30A	🏠 Mortgage	30 Years (360 mo)	3.60%	fixed	Active Benchmark	Calculate →
Portugal Crédito Pessoal Médio	👤 Personal Loan	5 Years (60 mo)	7.30%	fixed	Active Benchmark	Calculate →

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Statutory Borrowing Rule

Banco de Portugal: 90% max LTV for permanent home, max 50% DSTI, age-based term caps

Mortgage System

Crédito à habitação referenciado à Euribor

Default Insurance / Guarantee

Standard lender risk provisions apply.

Regulatory Reference