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Vai comprar casa? Este é o valor mínimo que precisa de ter poupado

Are you buying a house? This is the minimum amount you need to have saved.

Are you planning to buy a house? Then you better prepare your wallet.

16 Jun 20251 min

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Buying a house: The list of initial expenses is long and some are mandatory.

In addition to the price of the property, there are several expenses associated with the acquisition process, especially if you resort to housing credit.  

More than 61,000 euros in initial costs: The practical example

According to DECO PROTeste, the amount to save for buying a house can be surprising, and many of these expenses are inevitable.

If you intend to purchase a property worth 250 thousand euros and obtain financing of 80% of the value through a home loan, you should prepare for a minimum initial charge of 61,690.08 euros, distributed as follows:

  • Initial commissions (banking): between 543 € and 1,338.48 €
  • Signal (delivered in CPCV): €25,000
  • IMT and Stamp Duty: €9,247.08
  • Writing (via Casa Pronta): around €700
  • Stamp duty on financing: €1,200
  • Remaining unpaid amount: 25,000 euros

"The list is long, but those who buy a house cannot escape most of these expenses, especially if they cannot avoid the hiring of a mortgage," warns DECO PROTeste.

But note that there are banks that finance up to 90% of the property value and it is important to seek help to find the best proposal on the market for you. Need help with this? With Poupança no Minuto, we find the best proposal for you, without you having to worry about anything! Our credit intermediaries handle the entire process for you at no cost. Simulate now: https://www.poupancanominuto.com/artigos/credito-habitacao/financiamento-a-100-no-credito-habitacao-e-possivel

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Financefy S.A. Credit Intermediary registered with Banco de Portugal (Bank of Portugal) as nº 0006860

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Poupança no Minuto is a brand owned by Financefy, S.A., a linked credit intermediary registered with the Bank of Portugal under number 0006860. Services authorized to provide: Presentation or proposal of credit agreements to consumers. Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work in relation to credit agreements that have not been presented or proposed by the company. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral De Depósitos, S.A., Banco BPIi S.A., Banco Santander Totta, S.A., Abanca Corporación Bancaria, S.A., Branch in Portugal, Banco Ctt, S.A., Novo Banco, S.A., Cofidis, BNP Paribas Personal Finance, S.A. - Branch in Portugal, Real Estate Credit Union, S.A., Credit Financial Establishment (Sole Proprietorship) - Branch in Portugal, Bni - International Business Bank (Europe), S.A., Banco Bic Português, Sa, Unicre - Credit Financial Institution, S.A.