Mortgage terms in Portugal are typically for periods of 20 to 30 years, although shorter or longer terms may be available depending on the lender and your individual circumstances. The mortgage term is the length of time you will be required to make monthly mortgage payments to repay the loan.

A longer mortgage term may result in lower monthly payments, as the loan is spread out over a longer period of time. However, it may also result in higher overall costs due to the longer repayment period and the accumulation of interest. A shorter mortgage term may result in higher monthly payments, but it may also result in lower overall costs due to the shorter repayment period and the accumulation of less interest.

It is a good idea to consider your financial situation and future plans when deciding on the mortgage term that is right for you. You may also want to use a mortgage calculator or speak with a financial advisor or mortgage broker to compare the costs and benefits of different mortgage terms.