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Calculator

How much remains after the sale?

Deduct the loan, agency fee with VAT, charges and tax reserve to estimate the cash remaining.

Two people handing over house keys.
Photo: Alena Darmel · Pexels

How much remains after the sale?

Deduct the loan, agency fee with VAT, charges and tax reserve to estimate the cash remaining.

Rules and sources reviewed on .

Estimate Portuguese income tax with the capital gains calculator →

Complete all the costs shown. Enter 0 when a cost does not apply. The (i) controls explain what to include.

Sale and loan
Enter principal to repay. Interest and repayment fees belong in bank charges.
Selling costs
Use the quoted euro fee before VAT. Enter 0 if no agent is involved.
Use the rate from the invoice or quote. Enter 0 if no VAT applies.
Confirm interest until repayment, fees and applicable charges with the bank. Do not repeat principal.
For example, energy certificate and documents. Do not repeat agency fees, VAT or bank charges.
Your estimate. Use the capital gains calculator to prepare Portuguese income tax; this reserve is not a tax assessment.

You supply the tax reserve. Confirm payoff figures with your bank and applicable taxes with AT.

Rules and sources used
Banco de Portugal · crédito à habitação / home loansOpen official source

Understand the topic

Can you sell a home with an outstanding mortgage?

How to coordinate the outstanding balance, early repayment, mortgage discharge and completion while the property is still financed.

Read the guide