Take advantage of the IMT and IS Exemption and State Guarantee programs for young people up to 35 years old, decree-law nº30-A/2024 approved on June 20th and came into force on August 1st, 2024. See below how; https://conselhosdoconsultor.com/isencao-de-imt-e-is-para-jovens-ate-aos-35-perguntas-e-respostas/ https://www.deco.proteste.pt/dinheiro/comprar-vender-casa/noticias/credito-habitacao-jovem-como-vai-funcionar-a-garantia-estado See the updated IMT tables here Simulate the IMT and IS here Calculate and compare your real estate loan here