The state guarantee can enable up to 100% financing for a first permanent home, for buyers aged 18 to 35 inclusive. The transaction value, the lower of the purchase price and appraisal, must not exceed €450,000. A lower appraisal can still mean a cash deposit. Contracts must be signed by 31 December 2026 under the current rules.

All buyers must qualify, including Portuguese tax residence, income within the eighth IRS bracket, no residential property ownership, no previous use of this guarantee and tax and social security affairs in order. The bank assesses affordability and may refuse. The borrower still owes the full loan. Banco de Portugal

IMT Jovem is separate, with its own conditions, including not being an IRS dependent and no residential ownership in the previous three years. In 2026, eligible buyers can receive full IMT and purchase stamp-duty relief up to €330,539 in mainland Portugal or €413,174 in Madeira and the Azores. Partial relief may apply above these amounts. Mortgage stamp duty and other costs can still apply. Tax Authority conditions

Ask the credit partner to check which support applies to your purchase.