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Housing loans hit record in July, before the BdP's small 'brake'Photo by Kindel Media on Pexels
Business

Housing loans hit record in July, before the BdP's small 'brake'

Público2 September 2026 at 19:15

Housing loans in Portugal hit a new record in July, according to the most recent sector data. This growth occurred before a small 'brake' implemented by the Bank of Portugal (BdP), which aimed to cool the real estate market and household indebtedness.

The option for mixed rate in new contracts has never been so high, reaching 85.88% of the total. This modality, which combines fixed and variable rate periods, has clearly become the preferred choice of borrowers seeking protection against interest rate hikes.

For the first time, the mixed rate regime also surpassed variable rate in the overall housing loan portfolio. This data reflects a significant shift in Portuguese consumers' behavior, who are seeking greater predictability in their monthly mortgage payments.

The BdP had warned about the risks of excessive credit in the real estate sector, implementing macroprudential measures to limit the accelerated growth of Portuguese households' indebtedness.

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