Property Details
€
€
0%
90%
Options
Apartment or house = Urban. Rural land = 5% flat IMT. Building plots = 6.5% flat.
Fees
€
€
€
Cost Breakdown
Mortgage amount
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Equity (your money for property)
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Taxes
IMT
Imposto Municipal sobre Transmissões (IMT)
Progressive property transfer tax paid once at purchase. Rates vary by property purpose. First-time buyers ≤35 may be exempt up to ~€330k. —
Progressive property transfer tax paid once at purchase. Rates vary by property purpose. First-time buyers ≤35 may be exempt up to ~€330k. —
Selo — property
Imposto do Selo — Property
Stamp duty of 0.8% on the purchase price. Paid once at deed signing. Young buyers (≤35) get a discount on urban primary residence. (0.8%) —
Stamp duty of 0.8% on the purchase price. Paid once at deed signing. Young buyers (≤35) get a discount on urban primary residence. (0.8%) —
Selo — mortgage
Imposto do Selo — Mortgage
Stamp duty of 0.6% on the mortgage amount. Only applies with bank financing. (0.6%) —
Stamp duty of 0.6% on the mortgage amount. Only applies with bank financing. (0.6%) —
Fees
Lawyer
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Notary
Notary (Notário)
Deed signing (escritura) for purchase and mortgage, plus certidões. Includes 23% IVA. Typically €400–€800. —
Deed signing (escritura) for purchase and mortgage, plus certidões. Includes 23% IVA. Typically €400–€800. —
Max Property Price
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Maximum you can afford
Total Upfront Capital
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Equity + taxes + fees
Breakdown
Disclaimer:
This calculator is for estimation purposes only and does not constitute financial, tax, or legal advice. It uses 2026 IMT brackets for mainland Portugal (CIMT Art. 17, Lei 73-A/2025). Autonomous regions (Madeira/Azores) may have reduced rates set by regional decree. Includes IMT Jovem and IS Jovem benefits for urban primary residences. Always consult a qualified professional before making any purchase decisions. No data is collected — all calculations happen locally in your browser.