# Portugal mortgage comparison — qualcredito > Upload the FINE offer sheets Portuguese banks gave you. Priced on the same assumptions, ranked by net cost over your horizon. Read on your own computer. URL: https://qualcredito.com/en ## How it works 1. Upload the FINE (the Portuguese ESIS offer sheet) from each bank. Most fields are recognised in the browser. 2. Describe the purchase once: price, loan, term, ages, how long you expect to keep the loan. 3. Read the comparison: net cost, insurance, discounts, fees, taxes, Euribor sensitivity and early repayment — and which offer wins, by how much. ## Questions ### Is this for mortgages anywhere? No — only Portugal. It reads the offer documents Portuguese banks issue, prices Euribor-indexed loans the way they are sold in Portugal, and adds Portuguese purchase taxes (IMT and stamp duty) and deed costs. It is in English for people buying a home in Portugal who do not read Portuguese; the documents and the bank will still be in Portuguese. ### What is the FINE? The Ficha de Informação Normalizada Europeia — the Portuguese version of the European Standardised Information Sheet (ESIS) — is the document a Portuguese bank hands over with a mortgage offer: amount, term, TAN (nominal rate), TAEG (APR), spread, fees, required insurance and the payment plan. Because it is standardised, most fields are recognised on their own when you upload the PDF. ### Are the PDFs sent to a server? No. The FINE are read on your own computer, inside the browser, and no file leaves the page. Nothing you type is kept after you close the tab. ### Why can the offers not be compared as they come? Each bank quotes a different spread, bundles different optional products that buy rate discounts (bonificações), charges different fees and prices its own life insurance. The TAN, the monthly payment and sometimes even the TAEG they print are worked out on different assumptions — side by side, they mislead. ### What is the net cost over the horizon? Everything you pay during the years you expect to keep the loan — payments, insurance, fees and taxes — minus the principal you have repaid in that time. It is what the offers are ranked by, because it is the only measure that does not depend on which of the bank’s figures you choose to look at. ### Do I need more than one offer? One is enough to see the whole of a loan’s figures. Two or more to rank and compare them, which is what this page does differently. ### Does the comparison include the taxes due on completion day? Yes. IMT (the Portuguese property transfer tax) and stamp duty at the current rates, with the young buyers’ exemption when it applies, plus the deed and the land registry. ### Is this financial advice? No. It is a calculator: it takes the FINE you upload and the scenario you describe, and does the sums. The figures are estimates and depend on what was read from each PDF and on rates that change. Check the numbers with the bank before deciding anything. ## Pages - [Portugal mortgage comparison — qualcredito](https://qualcredito.com/en) - [Your offers — qualcredito, Portugal mortgages](https://qualcredito.com/en/proposals) - [Example comparison — qualcredito, Portugal mortgages](https://qualcredito.com/en/example) - [Portugal mortgage glossary — qualcredito](https://qualcredito.com/en/glossary) - [About — qualcredito, Portugal mortgages](https://qualcredito.com/en/about) - [Contact — qualcredito, Portugal mortgages](https://qualcredito.com/en/contact) - [Privacy — qualcredito, Portugal mortgages](https://qualcredito.com/en/privacy) - [Terms of use — qualcredito, Portugal mortgages](https://qualcredito.com/en/terms) --- This is not financial advice. The figures are estimates and depend on what was read from each PDF, on the assumptions chosen and on rates that change.