Total rate
Euribor plus bank spread. Variable-rate mortgages in Portugal are typically reviewed every 6 or 12 months. A 1% rise on a €196,000 loan at 30 years adds roughly €110/month to the payment.
Free calculator
Portugal Euribor cash flow stress test.
Enter your property's financing details and rent. The calculator shows monthly payment, cash flow, and DSCR for three scenarios: current Euribor, +1%, and +2% — so you know what the deal looks like before rates move.
How to read the result
A good deal survives +2% Euribor.
DSCR under stress
DSCR below 1.0x means rent no longer covers debt service. A safe deal maintains DSCR above 1.10x even in the +2% scenario. If it falls below 1.0x under stress, the deal needs a larger down payment or higher rent.
Safety margin
Negotiate price or increase your equity contribution until the stressed DSCR stays above 1.10x. A deal that fails only at +2% is acceptable; one that fails at the base rate needs immediate revision.
Formulas used
How each scenario is calculated.
Payment calculation
LoanProperty value × LTV (%)
Monthly rate(Euribor + spread) / 12
PaymentConstant amortisation (French method)
NOIAnnual rent − vacancy − operating costs
DSCRNOI / annual debt service
2026 Euribor context
In June 2026, 12-month Euribor ranged between 2.5% and 3.5%. For a conservative stress test, use your current rate plus 2 percentage points as the adverse scenario and plus 3 points as the extreme scenario. Confirm your contract's reference rate with your bank.
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