Portuguese property taxes,no surprises.
What buying costs, what the bank lends and what a rental leaves you.
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A home for €300,000 to live in
Costs on top of the price
€15,824
Monthly payment
€1,292
Cash needed
€45,824
An 90% mortgage over 30 years, 6-month Euribor at 2.922% (30/09/2026) plus a 1.1% spread, estimated market rent.
The numbers almost nobody checks.
−€650/month
Buying to let1
Out of pocket each month on a Lisbon two-bed. Mostly your own capital.
- Capital that stays yours
- €467
- Real cost
- €183
€10,895
Buying as a non-resident2
On the same home, just for not being resident. And recoverable.
- A resident pays
- €11,606
- A non-resident pays
- €22,500
10%
Letting a home3
Income tax, on rents up to the moderate-rent cap.
- Base rate
- 25%
- Rent up to €2,300
- 10%
- 1An 80 m² Lisbon two-bed, INE medians, 80% mortgage.
- 2A €300,000 home, against a resident (second-home table).
- 3Residential rent up to €2,300/month, any length.
The rent book that fills itself in.
Rents, costs, income tax and deadlines for every property, in one place.
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€400,000
T2 · 85 m² · Arroios
Apartamento T2 remodelado em Arroios, com varanda e elevador
€400,000 · T2 · 85 m² · Arroios · Energia C
Not worth it
−€555a month
What you put in every month: the rent does not cover the mortgage, the running costs and income tax. Of that, €460 repays the loan and stays yours.
€105,682
Cash needed
deposit and taxes
€425,682
Total cost
with taxes
3.3%
Yield
net, per year
Adjust the numbers
Change a value and the numbers above follow.
€320,000 borrowed, with a €80,000 deposit.
Repayment of €1,550 a month, over 30 years.
Apartamento T2 remodelado em Arroios, com varanda e elevador
€400,000 · T2 · 85 m² · Arroios · Energia C
Not worth it
−€555a month
What you put in every month: the rent does not cover the mortgage, the running costs and income tax. Of that, €460 repays the loan and stays yours.
€105,682
Cash needed
deposit and taxes
€425,682
Total cost
with taxes
3.3%
Yield
net, per year
Adjust the numbers
Change a value and the numbers above follow.
€320,000 borrowed, with a €80,000 deposit.
Repayment of €1,550 a month, over 30 years.
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