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Stamp Duty Calculator (Portuguese Imposto do Selo)

How much Stamp Duty (Imposto do Selo) do you pay when buying a home in Portugal? You pay it twice: 0.8% on the purchase value and, if you take a mortgage, 0.5%–0.6% on the loan amount. This calculator estimates both parts and the total, from the deed price (or the VPT, if higher) and the credit.

The acquisition duty is charged on the higher of the deed price and the VPT (0.8%). If you buy with a mortgage, you also pay duty on the loan: 0.6% for terms of 5 years or more. Set the loan to 0 if buying with cash.

Stamp Duty to pay
€3,200.00

How the Stamp Duty is reached

Duty on the acquisition (0.8%)€2,000.00
Duty on the credit (0.6%)€1,200.00
= Stamp Duty to pay€3,200.00

Educational estimate, not tax or financial advice. It computes the Stamp Duty of buying a home in mainland Portugal (acquisition + credit); it does not include the other items of the General Table. Confirm the figures before the deed.

Video: how to use the calculator

What Stamp Duty is

Imposto do Selo (Stamp Duty) is a tax on a wide range of acts, contracts and documents: from buying property to credit, rentals, inheritances and some bank fees. The rates sit in the General Stamp Duty Table (TGIS), annexed to the Stamp Duty Code. This calculator focuses on the most common and most expensive case: the duty you pay when buying a home.

The two stamp duties of buying a home

Buying a home means paying Stamp Duty on two fronts, both at the deed. First, duty on the acquisition (TGIS item 1.1): 0.8% on the higher of the deed price and the property’s taxable value (VPT), the same base as IMT. Second, if you buy with a mortgage, duty on the use of credit (TGIS item 17.1): charged on the amount financed, at a rate that depends on the term.

The credit duty rates

The credit duty rate depends on the loan term: 0.60% for loans of 5 years or more (the normal mortgage case), 0.50% between 1 and 5 years, and 0.04% per month for terms under a year. Since a mortgage almost always runs 25–40 years, the 0.60% rate applies to the amount borrowed. A cash buyer, with no credit, pays only the 0.8% acquisition duty.

Worked example

Someone buying a home for €250,000 (with a lower VPT) and financing €200,000 over 30 years pays: €250,000 × 0.8% = €2,000 in acquisition duty, plus €200,000 × 0.6% = €1,200 in credit duty, a total of €3,200 in Stamp Duty. On top of this there is also IMT, which this calculator does not include (see the IMT calculator).

Frequently asked questions

How much is Stamp Duty when buying a home?
It is 0.8% on the higher of the deed price and the property’s VPT. If you buy with a mortgage, you also pay 0.6% on the loan amount (terms of 5 years or more). On a €250,000 home with a €200,000 loan, total Stamp Duty is around €3,200.
Is Stamp Duty the same as IMT?
No. They are different taxes, but paid at the same moment (before the deed). IMT has progressive bracket rates and can be exempt on an own permanent home up to €106,346; the acquisition Stamp Duty is always 0.8%, with no exemption for most purchases. Add the two for the total tax cost of the deed.
Do you pay Stamp Duty on a mortgage?
Yes. On top of the purchase duty, a mortgage pays Stamp Duty on the amount financed: 0.60% for terms of 5 years or more (the usual case), 0.50% between 1 and 5 years. It is charged once, by the bank, when the credit is contracted.
Is Stamp Duty charged on the price or the VPT?
The acquisition duty (0.8%) is charged on the higher of the two, just like IMT. The purchase price is usually above the VPT, but if the VPT is higher, the VPT is used. Enter both in the calculator and it uses the higher.
Does this calculator cover every Stamp Duty case?
No. It computes the Stamp Duty of buying a home in mainland Portugal: the acquisition (0.8%) and the credit (0.5%–0.6%). The General Table has many other items (rentals 10%, inheritances and gifts 10%, guarantees, bills of exchange, bank interest and fees) that are explained in the article but are not part of this calculator.

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Author: Thorben Rasmus Idel · Reviewed by: Nahar Geva · Last reviewed: 2026-06-03