Simulador de Crédito PT

Author José RebeloTotal Visits 20Visits in 7 Days 0

// preview

// description

Simulate Portuguese mortgage and personal loan costs and limits

This is an educational credit simulator for the Portuguese market. It has two calculators, one for housing loans and one for personal or consumer credit, plus a reference page that explains the rules being applied. The housing calculator takes the property value, valuation, purpose and region, then the loan amount, term, rate type, Euribor and spread. It gives a monthly instalment including insurance, an estimated TAEG and MTIC, the cash needed at signing, and a full amortisation schedule. It also checks the simulation against loan-to-value, debt-to-income and term limits from Banco de Portugal Recommendation 1/2026, including the interest-rate stress test. The personal credit calculator handles different consumer products, applies stamp duty on consumer credit, checks the debt-to-income ratio, the ten-year term guidance and the usury ceiling, and shows an amortisation schedule. A Normas page lists the source rules and tax details. Everything runs in the browser without an account.

Highlights

Housing calculator

Instalment and MTIC

Personal loans

Credit and usury cap

Rule checks

LTV, DSTI and stress

Amortisation plan

Monthly breakdown

How to Use

Open the housing tab
By default the site opens on the housing credit tab. Fill in the property acquisition value, the valuation used as collateral, the purpose and the region. You can also tick options such as rural property, first home for buyers aged 35 or under, or a public guarantee. Then enter the loan amount, term in years, rate type and the Euribor and spread values. The TAN field is filled from those.
Read the housing results
Press the Simular crédito habitação button. The result panel shows the monthly instalment including insurance, the estimated TAEG, the MTIC and the total cash needed at signing. Below that, coloured bars compare your loan-to-value, contracted DSTI and post-stress-test DSTI against the recommended limits, and a table breaks down the entry payment, IMT, stamp duty and fees. A second table lists the amortisation schedule, showing a few months per year and the final payment.
Use the personal credit tab
Switch to the Crédito Pessoal tab to simulate a personal, auto, leasing or revolving product. Enter the product type, amount, term, TAN, age, net monthly income, other monthly credit and fees. Pressing Simular crédito pessoal shows the monthly payment, estimated TAEG, MTIC and net amount received, plus checks against the DSTI limit, the term guidance, the usury ceiling and the age-at-maturity practice. A stamp duty line and an amortisation table are also shown.
Check the rules page
Open the Normas tab to read which rules the tool applies. It summarises Recommendation 1/2026 for LTV, DSTI, the stress test and loan terms, then the tax section on IMT, the youth exemption and stamp duty, and finally the section on TAEG and usury. This page is text only and does not change the calculations; use it to understand where the limits in the results come from.