The bank caps your debt-service ratio at 45%. Tested with rates 1.5 points above today's for long terms. It lends at most 90% of the value; the rest, plus transfer tax, stamp duty and deed, must come from savings.

Maximum term is 40 years up to age 35 and 35 years after. If the loan ends after age 70, income counts at 80%. 6-month Euribor at 2.922%; INE medians by municipality (national median 2,168 €/m²).