howto.pt
ENPTESRU
TOOLS/TAXES

Imposto do Selo (Stamp Duty) Calculator

Stamp Duty Calculator: compra + crédito

Work out the Imposto do Selo (stamp duty) of buying a home in Portugal: 0.8% on the purchase, plus the mortgage rate based on the loan term. See the purchase, the loan and the total, instantly.

By Elijah·UPDATED JULY 2026·4 MIN·OFFICIAL SOURCES
KEY FACTS
Selo on the purchase
0.8% of the value
On the loan (≥ 5 years)
0.6% of the amount
On the loan (1 to 5 years)
0.5% of the amount
On which base
The higher of price or VPT
O selo incide sobre o maior entre preço e VPT. Deixe vazio se o preço for mais alto.
SimNão
≥ 5 anos → 0,6% (verba 17.1.3)
ESTIMATIVA DO IMPOSTO DO SELO
Na compra0,8% · 250 000 €-
No crédito0,6% · 200 000 €-
Total do imposto do selo-

How this works

Buying a home in Portugal triggers two separate Imposto do Selo charges: one on the acquisition, one on the loan (if any). The rates are set in the Tabela Geral do Imposto do Selo and have been stable for years. This calculator applies the verbas exactly as written, for the 2026 tax year.

  1. 1
    Selo on the purchase (verba 1.1)
    A flat 0.8% on the higher of the purchase price or the property’s tax value (VPT). It uses the same base as the IMT transfer tax.
  2. 2
    Selo on the loan (verba 17.1)
    If you take a loan, the bank charges Imposto do Selo on the borrowed amount. The rate depends on the term: 0.6% for terms of 5 years or more, 0.5% from 1 to 5 years. A standard home loan almost always lands at 0.6%.
  3. 3
    The total and who pays
    The total is the purchase selo plus the loan selo. Both are settled at or before the escritura (deed): the purchase duty is paid alongside the IMT; the loan duty is withheld by the bank.

Frequently asked

Is the Imposto do Selo on the price or the VPT?
On the higher of the two. The law applies it to whichever is greater: the price stated in the escritura or the property’s tax value (VPT). In most purchases the price is higher, so that is what counts. The calculator has a VPT field for the rare case where the tax value is higher.
Do I pay selo on the purchase even without a loan?
Yes. The 0.8% on the acquisition (verba 1.1 of the Tabela Geral) applies to any property purchase, financed or not. The loan selo only arises if you borrow.
Why does the loan term change the rate?
Verba 17.1 splits by term: loans of 5 years or more pay 0.6% (verba 17.1.3), 1 to 5 years pay 0.5% (verba 17.1.2), and under 1 year it is 0.04% per month. Since home loans usually run 20, 30 or 40 years, they almost always sit at 0.6%.
Does this include the IMT?
No. They are separate taxes paid together. The IMT is progressive by bands and is usually the larger of the two; the purchase selo is a flat 0.8%. This tool covers only the Imposto do Selo: use the IMT Calculator for the other part.
Are there other selo charges on a mortgage?
Yes, but minor ones. Bank fees tied to the loan (such as the processing fee) carry 4% Imposto do Selo. The mortgage charge, when constituted together with the loan, is usually exempt as an accessory guarantee (art. 7(1)(h) of the CIS), so it is not an extra duty for the buyer. This tool computes the main part: the duty on the loan amount and on the purchase.
OFFICIAL SOURCES
DISCLAIMER
Estimate for the 2026 tax year based on the Tabela Geral do Imposto do Selo rates (verba 1.1 and verba 17.1). It excludes IMT, registration, escritura fees and the 4% duty on bank commissions. Final figures are set by the AT and the bank. Not tax advice.