DSTI in Portugal: Banco de Portugal lowers the maximum debt ratio from 50% to 45% What’s changing and what it means for your property project On July 2, 2026, Banco de Portugal announced a revision of its Macroprudential Recommendation applicable to new mortgage and consumer credit. At the heart of

The Portuguese real estate market is evolving. Under Decreto-Lei n.° 97/2026, which came into force on May 20th, Portugal introduced a flat 7.5% IMT rate for non-resident buyers acquiring urban residential property. For anyone looking to buy a home in Portugal as a non-resident — whether it is a holiday

The Portuguese government has approved one of the most significant housing tax reforms in recent years. By reducing construction taxes, encouraging long-term rentals and introducing new incentives for housing investment, the measures aim to tackle the country’s housing shortage while maintaining Portugal’s attractiveness to domestic and international buyers. Portugal’s housing