Financing
The payment, no small print
Today's Euribor, total cost and the bank's test.
Financing
Today's Euribor, total cost and the bank's test.
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Financing
Today's Euribor, total cost and the bank's test.
Monthly payment
APRC (TAEG)
4.17%
Total cost
€415,566
Interest
€173,564
The bank decides. This shows whether the payment, with the rate-rise test, stays within the Banco de Portugal reference limit (Recommendation 1/2026, since 1 August 2026).
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | €9,575 | €4,211 | €235,789 |
| 2 | €9,402 | €4,383 | €231,406 |
| 3 | €9,223 | €4,563 | €226,843 |
| 4 | €9,036 | €4,750 | €222,094 |
| 5 | €8,841 | €4,944 | €217,150 |
| 6 | €8,639 | €5,147 | €212,003 |
| 7 | €8,428 | €5,358 | €206,645 |
| 8 | €8,208 | €5,577 | €201,068 |
| 9 | €7,980 | €5,806 | €195,263 |
| 10 | €7,742 | €6,043 | €189,219 |
| 11 | €7,495 | €6,291 | €182,929 |
| 12 | €7,237 | €6,549 | €176,380 |
| 13 | €6,969 | €6,817 | €169,563 |
| 14 | €6,689 | €7,096 | €162,467 |
| 15 | €6,399 | €7,387 | €155,080 |
| 16 | €6,096 | €7,689 | €147,391 |
| 17 | €5,781 | €8,004 | €139,386 |
| 18 | €5,453 | €8,332 | €131,054 |
| 19 | €5,112 | €8,674 | €122,380 |
| 20 | €4,756 | €9,029 | €113,351 |
| 21 | €4,387 | €9,399 | €103,952 |
| 22 | €4,002 | €9,784 | €94,168 |
| 23 | €3,601 | €10,185 | €83,983 |
| 24 | €3,183 | €10,602 | €73,381 |
| 25 | €2,749 | €11,036 | €62,345 |
| 26 | €2,297 | €11,488 | €50,857 |
| 27 | €1,826 | €11,959 | €38,898 |
| 28 | €1,337 | €12,449 | €26,449 |
| 29 | €827 | €12,959 | €13,490 |
| 30 | €296 | €13,490 | €0 |
Euribor 6M at 2.922% (monthly average to 30/09/2026). The APRC includes interest, stamp duty on the loan, fees and valuation; the total cost is everything you pay to the end.
The bank approves only if the payment, calculated with higher-than-today rates, stays under 45% of income, and lends up to 90% of the value (80% for investment).