State guarantee news in Portugal

Latest news and stories about state guarantee in Portugal for expats and residents.

Recent articles

Bankinter lends 175 million in state-guaranteed home loans

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Bankinter Portugal has granted 175 million euros in home loans backed by a state guarantee. The bank's management expects to exhaust its full 60-million-euro quota by the end of the year. The state guarantee, available for young people up to 35 years old, allows for up to 100% financing of the property value. Additionally, the bank aims to become the sixth-largest in Portugal by business volume within five years, focusing on organic growth in corporate and mortgage lending.

Diário de Notícias1 Apr

Bankinter lends 175 million in state-guaranteed home loans

Housing: Public guarantee to help young people accounts for 17% of new loans

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The Bank of Portugal warns that loans with state guarantees have contributed to increasing debt levels and the debt-to-income ratio for those taking out mortgages to buy a home.

RTP Notícias30 Mar

Housing: Public guarantee to help young people accounts for 17% of new loans

Public guarantee leads to surge in high-risk home loans

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The public guarantee on housing credit for young people led to a surge in borrowers with a high-risk profile last year, according to data released this Monday by the Banco de Portugal. A risk that now lies with the State. In 2025, 21% of new housing credit operations involved such borrowers.

ECO30 Mar

Public guarantee leads to surge in high-risk home loans

One in four first-time homebuyer loans in 2025 financed at 90%

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Approximately 24% of new permanent home loans in 2025 were financed above 90%, driven by a state guarantee for young buyers under 35. The Bank of Portugal reported that this increase, which aligns with pre-macroprudential measure levels, is largely due to the state acting as a guarantor for up to 15% of transaction values. While the average loan-to-value (LTV) ratio for total new housing credit rose to 75%, loans under the state guarantee reached an average LTV of 99%. The report also highlights a trend toward longer loan maturities, with 35% of new contracts exceeding 35 years, and notes that 21% of borrowers were classified as high-risk based on debt-service-to-income and LTV ratios.

Diário de Notícias30 Mar

One in four first-time homebuyer loans in 2025 financed at 90%

Bankinter wants to lend more using State guarantees

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Spanish bank Bankinter posted record profits and is expected to surpass them this year. In Portugal, lending to households jumped 11%, has used up one-third of the State guarantee for young people, but the bank says it may request more.

Público22 Jan

Bankinter wants to lend more using State guarantees

Bankinter has so far used only 30% of the public guarantee but is already considering a top-up

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Bankinter has already used 30% of its €60 million allocation from the State guarantee scheme for mortgages for young people, launched a year ago, but it wants more and intends to ask the Government for an increase. “Our objective is to use 100% of the guarantee. If there is the option to request more, we will also ...”

ECO22 Jan

Bankinter has so far used only 30% of the public guarantee but is already considering a top-up

Caixa receives a further €250 million in public guarantee to help young people buy homes

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Banco CTT has also requested extra support and will receive an additional €25.8 million in guarantees. Under the measure, the State acts as guarantor for between 10% and 15% of loans requested by young people up to 35 years old.

Público7 Jan

Caixa receives a further €250 million in public guarantee to help young people buy homes

Government strengthens public guarantee for young people at CGD and Banco CTT

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In September last year the government had already approved a strengthening of the State's personal guarantee.

Correio da Manhã7 Jan

Government strengthens public guarantee for young people at CGD and Banco CTT

Young people's home purchases backed by the State declined in November

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The State guarantee allowing young people aged 18 to 35 to buy a home without having to provide a deposit peaked in October 2025. In November, 52.8% of the total amount allocated by the State for this support scheme had been used.

Expresso5 Jan

Young people's home purchases backed by the State declined in November

State Guarantee is 25.9% of Total Housing Credit

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October was, therefore, the month with the highest absolute and relative values since the implementation of this programme, with significant data since the beginning of this year.

Observador28 Nov

State Guarantee is 25.9% of Total Housing Credit

State guarantee represents 25.9% of total housing credit until October

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Since the beginning of the year, 551 million euros have been used under this scheme.

Correio da Manhã28 Nov

State guarantee represents 25.9% of total housing credit until October

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State guarantee news in Portugal

Recent articles

Bankinter lends 175 million in state-guaranteed home loans

Housing: Public guarantee to help young people accounts for 17% of new loans

Public guarantee leads to surge in high-risk home loans

One in four first-time homebuyer loans in 2025 financed at 90%

Bankinter wants to lend more using State guarantees

Bankinter has so far used only 30% of the public guarantee but is already considering a top-up

Caixa receives a further €250 million in public guarantee to help young people buy homes

Government strengthens public guarantee for young people at CGD and Banco CTT

Young people's home purchases backed by the State declined in November

State Guarantee is 25.9% of Total Housing Credit

State guarantee represents 25.9% of total housing credit until October

Recent articles

Bankinter lends 175 million in state-guaranteed home loans

Housing: Public guarantee to help young people accounts for 17% of new loans

Public guarantee leads to surge in high-risk home loans

One in four first-time homebuyer loans in 2025 financed at 90%

Bankinter wants to lend more using State guarantees

Bankinter has so far used only 30% of the public guarantee but is already considering a top-up

Caixa receives a further €250 million in public guarantee to help young people buy homes

Government strengthens public guarantee for young people at CGD and Banco CTT

Young people's home purchases backed by the State declined in November

State Guarantee is 25.9% of Total Housing Credit

State guarantee represents 25.9% of total housing credit until October