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New annual limit on interest subsidies

23 СЕНТЯБРЯ 2023
Темы
Bancos Comprar Casa em Portugal Governo Crédito Habitação Bonificação Juros
The calculation will be based on the value of the index above 3 per cent and will no longer differentiate between IRS brackets, in line with the government's new updates.
New annual limit on interest subsidies
Source: Freepik
Author: Redaction


António Costa's government announced three new subsidies at the Council of Ministers last Thursday, which aim to respond to the housing crisis and combat the need for Portuguese families to pay for their homes. Among these is one that had already been approved by the government, which concerns the interest subsidy on home loans. 

With the new support measure, the rules on interest subsidies have been simplified:
  • It now covers a greater number of households;
  • A new base calculation is made, on the index value above 3%;
  • It will no longer take into account the income bracket, now covering the sixth bracket, unlike before;
  • The annual limit, according to these updates, increases from €720 to €800. 

Fernando Medina, Minister of Finance, explained these updates: "We have significantly lowered the threshold for access to the measure. The threshold is now a 3 per cent index. This means that, in practice, by this criterion, all contracts are now eligible", unlike the previous model. 

The interest rate to be subsidised has also been extended, as he stressed: "when the effort rate is between 35% and 50%, we subsidise 75% of the increase [in interest]. When the effort rate is higher than 50 per cent, for families with the greatest needs, the state will subsidise 100 per cent of the difference".

This support is part of the package of measures approved this Thursday, which includes a 30 per cent discount on the Euribor rate that will make it possible to reduce the value of the instalment by postponing part of the monthly payment for 24 months. 

The Minister emphasised: "This is undoubtedly the most serious problem facing families. We want the measures to be effective, concrete and to solve a problem, helping families to overcome the rise in interest rates, which are very high". 

Темы
Bancos Comprar Casa em Portugal Governo Crédito Habitação Bonificação Juros
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