Guides
What you need to know before you sign anything — with euro examples and official sources at the end of every guide.
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1 August 2026
DSTI at 45%: what changes in mortgage lending in 2026
From 1 August 2026 Banco de Portugal recommends a maximum 45% DSTI. What changes, who's affected, and how to check how much you can still borrow.
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27 July 2026
Buying a home in Portugal in 2026: the step-by-step process
The complete map of buying a home, in the right order: the three sums before house-hunting, the CPCV, the bank and deed day, with real costs.
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27 July 2026
CPCV: what to check before signing (and the deposit at risk)
What to ask for and which clauses to demand in the CPCV — and why a 10% deposit can be the biggest cheque you write before you have any real guarantee.
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27 July 2026
The hidden costs of buying a home in Portugal
What buying a home in Portugal really costs beyond the listing price: the full math on the deed, first month and first year, with real 2026 examples.
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27 July 2026
Euribor explained: how it reaches your monthly payment
Your bank doesn't invent Euribor. See the exact mechanism — index rate, spread, review — and the maths on how much the payment rises if it goes up 1 point.
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27 July 2026
ICF, LSF or traditional: the wrong question is price per m²
Traditional, LSF or ICF: the price bands overlap almost entirely. What decides your build is the timeline, the crew available, and what the bank can value.
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27 July 2026
Garantia pública: how 100% financing works in 2026
The State solves the missing deposit, not the cost of borrowing. See the eight criteria, the payment math, and who this guarantee really benefits.
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27 July 2026
The new RJUE (DL 108/2026): what changes in licensing
DL 108/2026 takes effect on 3 August and reshapes building licensing — what changes, what doesn’t, and what to do with a project mid-transition.
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27 July 2026
Regime jovem: the IMT and stamp duty exemption's three traps
Buyers aged 35 or under can be exempt from IMT and stamp duty up to €330,539. But three common mistakes make you lose the benefit — avoid them.