Mortgage
Monthly payment, interest, Stamp Duty and outstanding balance over time.
Estimated result
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Rules and sources used
Version: selo-pt-2026-v1 · In force since 01/01/2026
Table validated by NOZ on 15/10/2026.
Legal basis: TGIS, verba 1.1 (aquisição onerosa de imóveis), verbas 17.1.1 a 17.1.3 (utilização de crédito, Lei n.º 12-A/2010) e 17.3.1 (juros); CIS, art. 7.º-A (dedução para jovens, DL n.º 48-A/2024), com o limite do 1.º escalão da Tabela II do IMT em vigor em 2026.
- info.portaldasfinancas.gov.pt/pt/informacao_fiscal/codigos_tributarios/selo/Pages/ccod-selo-tabgiselo.aspx
- diariodarepublica.pt/dr/legislacao-consolidada/lei/1999-34540175
- info.portaldasfinancas.gov.pt/pt/informacao_fiscal/legislacao/instrucoes_administrativas/Documents/Oficio_circulado_40129_2026.pdf
Source consulted on 13/10/2026
Indicative result, calculated with the rules and sources shown. It does not replace the assessment made by the Portuguese Tax Authority (AT) or personalised tax, legal or financial advice.
English translation of tax explanations pending professional review. The binding rules are those in the Portuguese legislation cited (in Portuguese).