Your debt-to-income ratio and how much you can borrow
The debt-to-income ratio is the slice of your income already committed to credit. It is what the bank decides on. Work out yours, see what instalment fits your budget and what house that reaches.
What actually lands in the account every month.
Car, personal, cards. Add it all up.
Instalment that fits the budget
Capital the bank could lend
30 years at 3,3%
Your deposit
Debt-to-income ratio at the limit
Banking criterion: 35,0%. Today you already commit 0,0%.
Figures and tables for 2026. Indicative result — confirmed by the bank and by the State services at the time of the transaction.
To use this simulator you need to know
- The household's net monthly income — what actually lands in the account
- How much you already pay each month on other loans (car, personal, cards)
- The term and the rate you expect to get
- How much you have as a deposit
What this result includes — and what it does not
This result is indicative and is there to help you get your bearings. The final figures are confirmed by the bank and by the State services at the time of the transaction — and our credit adviser checks them with you, at no cost.
The 35% ceiling is the criterion banks usually work with and the one the Banco de Portugal recommends. It is not law: each bank decides, and it also looks at your savings, at job stability and at your credit history.
Every credit commitment counts, not just the house. That is how the bank does the sum, and it is why this figure is usually lower than people expect.
Having capacity is not having approval: the bank also assesses the property and your profile.
Frequently asked questions
These almost always come next
How much it costs to buy a home
IMT, Stamp Duty and the deed. The money nobody counts and that is missing at the end.
Open simulatorWhat will my monthly instalment be?
The monthly instalment, the total interest and what the term does to both.
Open simulatorHow much do I save if I transfer my loan
The difference between what you pay today and what you could pay, monthly and in total.
Open simulator