AFFORDABILITY CALCULATOR
Work out your affordability ratio
In a few steps, you see where your case stands today against Banco de Portugal’s typical limits, with recommendations to improve the scenario.
- 1Your numbers
- 2Conditions
- 3Result
Step 1 of 3Your numbers
Your numbers
Income, commitments and the property you have in mind. With these figures we work out how much you can finance.
Questions about the calculator
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Every case is different. Having one or more indicators above the reference does not mean the loan is refused, nor that banks stop making offers. What these indicators do is show where it is worth working on the application: that is where we start preparing a solid, sustainable application for your family.
It is the share of the household’s monthly income used to repay loans. Banco de Portugal’s reference limit is 45%, in force since 1 August 2026; FINOVA recommends keeping it lower, typically up to 30 to 35%, to leave more room in the budget.
The simulation runs in your browser. We only receive your details if you choose to email the result or request a call.
No. It is a starting point. A personalised analysis takes your full profile and each bank’s current terms into account.
The Quick Estimate gives an estimated repayment in seconds; the Repayment Calculator works it out with the Euribor and spread of your choice; the Affordability Calculator checks whether the loan fits the ratios banks require.