Porta 65 Rent Subsidy Calculator

A percentage of the rent, which depends on the scoring band and on how long you have been receiving the support. In the top band it is 50 % up to the 12th instalment, 35 % from the 13th to the 24th and 25 % from the 25th to the 60th; in the second band 40 %, 30 % and 20 %; in the third band 30 %, 20 % and 10 %. The percentage does not apply to the whole rent: it applies to the lower of the reference rent and the rent paid, under art. 2.º(2). For a T1 in Lisbon at 800 €, with a reference rent of 1,006 €, the top band in the first year gives 400 € a month.

You do not lose the support, but you lose the part of the rent above the reference. Until 2024 a rent above the limit excluded the application; Decreto-Lei n.º 42/2024 revoked art. 7.º(2)(a) and (b) and ended that exclusion. In exchange, Portaria n.º 238/2024/1 began applying the percentage to the lower of the reference and the rent paid, and that is what caps the support. If you pay 1,200 € for a T1 in Lisbon, the sum is done on 1,006 € and the remaining 194 € is not subsidised. The calculator shows that amount separately.

By Quadro V of the regulation, with four criteria totalling at most 240 points. Criterion A is worth up to 90 points and measures the household by the formula A = 1 + 0.7 × (candidates minus one) + 0.25 × dependants + 0.25 × members with a disability of 60 % or more + 0.25 × dependants in a single-parent situation. Criterion B is worth up to 90 and compares the real effort rate with the maximum. Criterion C is worth up to 30 and measures income in multiples of the reference rent. Criterion D is worth up to 30 and measures the rent against that same reference. Criterion E, which scored the financial situation of the ascendants, was revoked by Portaria n.º 238/2024/1.

120. Quadro I places applications scoring «≥ 120 e ≤ 240» in the first band, 90 to 120 in the second and below 90 in the third. Note that the published wording makes the first two bands touch at exactly 120 points; the original 2010 text wrote the second band as «≥ 90 e < 120», with no overlap, so we treat 120 points as the first band, which is both the original intent and the reading favourable to the candidate. The ceiling of 240 is exactly the maximum score attainable once criterion E was revoked.

Up to five, and the amount falls along the way. Each approved application lasts 12 months and has to be renewed, and Quadro I lowers the percentage in each of the three instalment bands: up to the 12th, from the 13th to the 24th and from the 25th to the 60th. Sixty instalments are precisely five years. It is the feature of the programme that appears least in summaries, because the three Quadro I columns are frequently read as income bands when they are in fact the passage of time.

They increase the score, and so can raise the band, but the effect is smaller than it looks. Each dependant adds 0.25 to the A factor, which is worth 7.5 points while A stays below 3. A household only reaches the 90 points of criterion A when A hits 3, which for a couple takes more than nine dependants. What moves the score most is the proportionality of the effort rate, criterion B, which is worth up to 90 points on its own.

Not necessarily, and this is the most important limitation of this calculator. Art. 6.º(4) of the regulation says applications to Porta 65 Jovem are approved according to the criteria in art. 7.º, up to the limit of the annual budget. The Quadro V score does two jobs at once: it sets the percentage you receive and it ranks candidates against each other. That means the same number of points can be enough in one year and not in another. The calculator tells you what you would receive if approved, and shows all three bands so you can see the range.

Not any more. Decreto-Lei n.º 42/2024 opened the application to candidates without a contract, and the IHRU indicates that an estimated rent may be given. In exchange, art. 7.º(7) conditions payment on registering the tenancy agreement with the tax authority within two months of the results being published, on pain of exclusion. The same decree also allows using the housing pool listed on the Portal da Habitação instead.