Mortgages
How Foreign Investors Are Cutting Their Mortgage Costs in Half by Buying in Portugal
Dec 9, 20258 min read
The Mortgage Rate Arbitrage
U.S. rates: 7%+. Portugal: 2.5-3.5%. On €300,000 property with 75% financing, that saves €186,000 over 25 years.
Monthly Payment Comparison
€225,000 mortgage over 25 years: Portugal (3%): €1,067/month. US (7%): €1,590/month. Monthly saving: €523.
Who Qualifies?
Banks evaluate global income, debt-to-income ratio (max 35-40%), credit history, and down payment (20-40%).
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