General Assessment

Variable(2018)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
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Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements 
Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements  
Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements  
Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements  
Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements  
Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements  
Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements  
Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements  
Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements  
Notes: - Up to 90% for residential immovable property for the purchase or construction of own and permanent residence - Up to 80% for residential immovable property or credit secured a mortgage for other purposes than own and permanent residence - Up to 100% for residential immovable property and credit secured by a mortgage or equivalent guarantee for purchasing immovable property held by the institutions themselves and for property financial leasing agreements
Notes: 2011 housing census shows 73.24 owner occupied units
Notes: According to ECBC, 10 firms account for 95% of the mortgage market.
Notes: According to ECBC, 10 firms account for 95% of the mortgage market.
Notes: According to ECBC, 10 firms account for 95% of the mortgage market.
Notes: Authorization from the Data Protection Authority (CNPD) is required when processing personal data related to credit/solvency of subjects.
Notes: Authorization from the Data Protection Authority (CNPD) is required when processing personal data related to credit/solvency of subjects. 
Notes: Authorization from the Data Protection Authority (CNPD) is required when processing personal data related to credit/solvency of subjects. 
Notes: Authorization from the Data Protection Authority (CNPD) is required when processing personal data related to credit/solvency of subjects. 
Notes: Based on the price index.
Notes: Caixa Geral de Depositos is the largest public bank, second largest overall.
Notes: Caixa Geral de Depositos is the largest public bank, second largest overall.
Notes: Conventional Dwellings Estimate: Conventional dwellings includes vacant and second homes
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: Credit Bonficado (a subsidy program) expired at the end of 2002.
Notes: figures calculated by households, not units
Notes: figures calculated by households, not units 
Notes: figures calculated by households, not units 
Notes: Includes rural transactions. However, Portugal is largely urban.
Notes: Includes rural transactions. However, Portugal is largely urban.
Notes: Includes rural transactions. However, Portugal is largely urban.
Notes: Includes rural transactions. However, Portugal is largely urban.
Notes: Includes rural transactions. However, Portugal is largely urban.
Notes: Includes rural transactions. However, Portugal is largely urban.
Notes: Includes rural transactions. However, Portugal is largely urban.
Notes: Includes rural transactions. However, Portugal is largely urban.
Notes: Includes rural transactions. However, Portugal is largely urban.
Notes: Levied by municipalities at a maximum rate of 6% on the transfer of residential property, 5% on the transfer of rural property, 6.5% on the transfer of urban property and 10% if the purchaser is located in a listed tax haven.
Notes: Levied by municipalities at a maximum rate of 6% on the transfer of residential property, 5% on the transfer of rural property, 6.5% on the transfer of urban property and 10% if the purchaser is located in a listed tax haven.
Notes: Levied by municipalities at a maximum rate of 6% on the transfer of residential property, 5% on the transfer of rural property, 6.5% on the transfer of urban property and 10% if the purchaser is located in a listed tax haven.
Notes: Levied by municipalities at a maximum rate of 6% on the transfer of residential property, 5% on the transfer of rural property, 6.5% on the transfer of urban property and 10% if the purchaser is located in a listed tax haven.
Notes: Levied by municipalities at a maximum rate of 6% on the transfer of residential property, 5% on the transfer of rural property, 6.5% on the transfer of urban property and 10% if the purchaser is located in a listed tax haven.
Notes: Net of taxes and contributions to social security. Up to 50% with the following exceptions on the total amount of credit granted by each institution in each year: up to 20% of mortgage: ratio of up to 60%; up to 5% of mortgage: no ratio limit
Notes: Net of taxes and contributions to social security. Up to 50% with the following exceptions on the total amount of credit granted by each institution in each year: up to 20% of mortgage: ratio of up to 60%; up to 5% of mortgage: no ratio limit  
Notes: Net of taxes and contributions to social security. Up to 50% with the following exceptions on the total amount of credit granted by each institution in each year: up to 20% of mortgage: ratio of up to 60%; up to 5% of mortgage: no ratio limit  
Notes: Non-performing loan defined as 30 days past due
Notes: Residential loans only
Notes: Residential real estate prices have increased an average of 5.3% since 2014. This figure is based on the price index.
Notes: Residential real estate prices have increased an average of 5.3% since 2014. This figure is based on the price index.
Notes: Residential real estate prices have increased an average of 5.3% since 2014. This figure is based on the price index.  
Notes: Residential real estate prices have increased an average of 5.3% since 2014. This figure is based on the price index.  
Notes: The government provides a subsidized credit (65% of the European reference rate) rate for disabled people.
Notes: The government provides a subsidized credit (65% of the European reference rate) rate for disabled people.
Notes: The government provides a subsidized credit (65% of the European reference rate) rate for disabled people.
Notes: The government provides a subsidized credit (65% of the European reference rate) rate for disabled people. This law was established 2014.