Use net monthly figures. Add up every loan instalment (mortgage, car, personal, cards); leave out everyday bills like water, electricity or groceries.
| Net monthly income | €2,000 |
| Existing credit payments | €300 |
| New payment | €300 |
| Total payments | €600 |
| Effort rate | 30% |
Educational estimate, not financial advice. The recommended effort rate (about 35%) is a prudent benchmark; the 50% limit is the Banco de Portugal macroprudential ceiling, with exceptions and subject to revision. Always confirm the terms with your bank.
Debt-to-Income (Taxa de Esforço) Calculator, Portugal by Calculadora Capital