Adorei o atendimento do José. Um profissional de excelência que não só me ajudou a ter a melhor prestação possível para a minha situação, mas também me apoiou nos momentos mais stressaantes do processo. Recomendo vivamente este serviço!
Choose the best mortgage offer in Portugal for you
- Get personalised offers from various banks. We will tell you more about their content.
- Complete the whole process from home. Send us your information and we will take care of everything.
- Completely free: we have agreements with the banks so they'll cover our costs.
We compare offers from the banks we work with
Banco Comercial Português, S.A.
Caixa Geral de Depósitos, S.A.
Banco Santander Totta, S.A.
Novo Banco, S.A
Banco BPI, S.A.
Bankinter, S.A.- Sucursal em Portugal
Banco CTT, S.A.
UCI - Unión de Créditos Inmobiliários, S.A. - Sucursal em Portugal
Abanca Corporación Bancaria, S.A. - Sucursal em Portugal
Banco BIC Português, S.A.
SICAM - Caixa Central e Caixas de Crédito Agrícola Mútuo
Reviews of idealista/créditohabitacão
Since 2019, we have helped over 100,000 customers find their mortgage.
pessoal sempre disponible, queria dizer um muito obrigado au sr ricardo uma pesso sempre disponible por qualquer pergunta , ajudou me muito , uma pessoa excelente mesmo professional. mais uma vez muito obrigado sr ricardo e tudos colegas.
Desde o início tive pessoas que me acompanharam em todo o processo com total disponibilidade, mas em especial quero agradecer à Vanessa Rebelo, que foi simplesmente incansável. Todas as minhas solicitações ou pedidos de opinião foram sempre tratados com rapidez e atenção. Muito obrigado, Vanessa! =)
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Mortgage FAQs
Shoud I choose a mortgage with a fixed or variable interest rate?
Variable rate: The installment will vary over the life of the loan depending on fluctuations in Euribor or the index used. Although its current value, it's important to know how high it can go and how it can impact your installment.
Fixed rate: you will pay the same monthly instalments throughout the life of the loan. The security that comes with this type of loan means a higher initial interest rate than variable rate mortgages.
What are the main taxes when buying a house?
IMT - Municipal Property Transfer Tax
This is a unique tax, which must be paid before the transaction of the property takes place. Without proof of payment of this tax it is not possible sign the deed.
The amount of IMT payable depends on the type of property (urban or rustic) and the purpose for which the property is intended (main residence or second home).
Stamp Duty – Purchase
It consists on the collection of a tax of 0,80% on the deed value.
Stamp duty – Mortgage
If you take out a mortgage to buy a property, you will have to pay stamp duty at a rate of 0,60% of the value of the loan (the rate is lowered to 0,50% if the term of the loan does not exceed 5 years).
IMI - Municipal Property Tax
This tax is defined by the municipalities and has to be paid for the previous year by the owner of the property on 31 December of that year.
What do you need to get a mortgage?
- Savings: Banks do not usually finance more than 80% of the purchase price, i.e. you will need to contribute around 20% of the purchase price for the down payment, plus any purchase costs and taxes.
- Debt: Banks usually grant mortgages with repayments not exceeding 35% of the net monthly income (income - debts from other loans), although they can go up to 40% in some cases.
- Job stability: Banks will take into account your employment history, length of service, periods of unemployment, sector of work, etc.
Which documents do the banks require?
- Valid ID of each of the applicants.
- Application form of the corresponding entity signed by all the applicants.
- Last income tax return for each of the applicants and the respective proof of payment.
- Account movements for the last 3-6 months.
- Proof of debt of all loans and cards
Employees:
- 3 last payslips of each of the applicants with employment contract;
- Declaration of seniority and employment relationship.
Self-employed:
Green receipts issued in the last 6 months.
Other documents:
Pre-sale agreement (CPCV), if applicable.
Why is the idealista/créditohabitação service free?
Thanks to the volume of mortgages we generate, banks save costs by acquiring clients through us. This allows us to charge a commission directly from the bank, and the service is completely free of charge for you.