Financing a Mobile Home: Credit Options in Portugal (2026)
By Matheus Agueda · 11 September 2026
Last updated: 18 September 2026
Financing options for mobile homes
Not all buyers have the capital to pay for a mobile home upfront — and they don't need to. There are several ways to finance the purchase, each with different advantages and requirements.
For an exhaustive analysis, see the complete mobile home financing guide.
The three main options
1. Personal loan
The most common way to finance a mobile home in Portugal.
- Amount: up to 75,000 EUR
- Term: 24 to 120 months
- Rate (APR): 10% nominal (APR 11.8%)
- Approval: set by the credit institution
- Requirements: regular documented income, no incidents with Banco de Portugal
- Guarantee: no mortgage or guarantor required (up to certain amounts)
Practical example: Mobile home at 35,000 EUR, term 84 months (7 years) — the monthly payment depends on the rate (APR) set by the credit institution.
2. Asset leasing
A specific solution that treats the mobile home as equipment.
- Amount: no defined limit
- Term: 24 to 84 months
- Rate: set by the credit institution
- Deposit: set by the credit institution
- Purchase option: at end of contract, for residual value (5 to 15%)
- Tax advantage: payments are deductible for sole traders and companies
3. Direct staged payment
Some suppliers, including Green Village, offer payment plans without a finance company.
- Deposit: agreed case by case on reservation
- Balance: in 3 to 12 instalments before or after delivery
- Rate: agreed case by case (cost incorporated in the price)
- Approval: agreed case by case, no bank analysis
Comparison of options
| Factor | Personal Loan | Leasing | Staged Payment |
|---|---|---|---|
| Maximum amount | 75,000 EUR | No limit | Depends on supplier |
| Maximum term | 120 months | 84 months | 12 months |
| Rate | 10% nominal (APR 11.8%) | Set by the credit institution | Agreed case by case |
| Deposit | Not required | Set by the credit institution | Agreed case by case |
| Approval | Set by the credit institution | Set by the credit institution | Agreed case by case |
| Mortgage | No | No | No |
| Tax deduction | No | Yes (companies) | No |
Mortgage: does not apply
It's important to clarify: mobile homes cannot be financed by a mortgage. Mortgages require a charge on a property registered at the land registry — and a mobile home is a movable asset. It's not worth pursuing this route.
The exception: if you purchase land + prefabricated house with foundation, that combination is eligible for a mortgage. But you lose the advantages of mobility and simplicity that a mobile home offers.
How to simulate financing
Green Village provides a financing simulator directly on the website. Enter the value of the unit you're interested in, choose the term and get a monthly payment estimate in seconds.
For units in the catalogue, you can request a personalised financing proposal by contacting us. We work with financial partners who know the segment; the application is reviewed by the credit institution.
Tips for a better rate
- Compare at least 3 proposals — banks, finance companies and the supplier's offer
- Negotiate the APR, not the spread — the APR includes all real costs
- Shorter term = less interest — 60 months instead of 120 saves thousands of euros
- Larger deposit = better rate — a higher deposit tends to improve the conditions set by the credit institution
- Clean credit record with Banco de Portugal is the #1 approval factor