Housing
Mixed-rate loans lead the housing mortgage market in Portugal
Data from the Banco de Portugal for July 2026 show that mixed-rate mortgages now account for 48.3% of the total stock of home loans, overtaking variable-rate contracts at 47%. This trend is driven by new financing, where 85.8% of new contracts signed in July adopted a mixed-rate structure, while fixed-rate loans remain a small minority.
Why it matters
If you are currently looking for a mortgage or considering renegotiating your existing loan, the market has shifted significantly toward mixed-rate products, which offer more predictable payments in the initial years compared to the traditional variable-rate contracts linked to Euribor.SIC NotíciasRead original ↗
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