garantia pública do Estado
Published 8 November 2026, 22:51
garantia pública do Estado — state loan guarantee for young people aged up to 35
The state acts as guarantor to the bank for part of the price of a first permanent home, which allows 85 to 100% of the purchase to be financed — that is, with little or no deposit. The home must cost no more than €450,000; the guarantee itself covers no more than 15% of the price and lasts for up to ten years.
Where you come across it. Someone aged 35 or under buying a first home with a loan.
The scheme is time-limited: the contract must be signed by 31 December 2026. And the bank is not obliged to lend, even if you meet all the conditions.
Official website: clientebancario.bportugal.pt/pt-pt/o-que-e-e-diferentes-regimes