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Pre-Lease Tenant Solvency Calculator
Calculate tenant effort rates (taxa de esforço) and evaluate financial default risk instantly. Whether you are vetting a new applicant or adjusting lease terms, our free tool calculates actual cash exposure and affordability bounds in seconds.
Free · No Account Required
Three Steps to Evaluate Tenant Risk
Step 1 — Input Location & Property Details
Step 2 — Define Financial Terms & Income
Provide the proposed monthly rent, security deposit terms, and the prospective tenant’s verified monthly gross income along with existing debt obligations.
Step 3 — Review the Risk Assessment Report
The tool instantly runs financial calculations to return the tenant’s Simple and Global Effort Rates, your Net Financial Exposure during a default, and a clear risk classification.
Tenant Solvency Assessment
& Location
Terms
Property Location & Details
Financial Terms & Tenant Data
Analysing tenant solvency…
For informational use only. Not a substitute for professional legal advice.
Institutional Risk Threshold Tiers
Aluseg filters tenant financial data through standard banking and insurance risk thresholds utilized across the Portuguese property sector. Assess where your applicant falls:
| Underwriting Grade | Simple Effort Rate | Global Debt Profile | Recommended Landlord Action |
|---|---|---|---|
| Grade A (Low Risk) | ≤ 30% | ≤ 40% | Safe to issue lease agreement under standard terms. Strong liquid buffers. |
| Grade B (Moderate Risk) | 30.1% - 40% | 40.1% - 45% | Conditional approval: Reaches maximum bank credit safety limits. Require a Portuguese Fiador (Guarantor). |
| Grade C (High Risk) | > 40% | > 45% | Critical danger. Breaches Banco de Portugal macroprudential boundaries. Do not proceed without advanced default insurance. |
Protecting Capital in the Portuguese Rental Framework
In Portugal, property cash flow management requires strict upfront vetting. Because resolving non-payment through the Balcão do Arrendatário e do Senhorio (BAS) or local courts can tie up your asset for months, defensive underwriting is your highest-leverage task. Aluseg ensures you never sign a lease blindly.
Simple Taxa de Esforço
Identifies if the property’s baseline asking rent strains the tenant household's verifiable income pool.
Responsabilidades Crosscheck
Analyzes the true budget impact of existing car loans, personal credits, and lines of credit affecting their liquid payment capacity.
Net Cash Exposure Projection
Calculates your worst-case legal, administrative, and turn costs balanced against the held deposit during a standard 6-month Portuguese eviction cycle.
Compliance-Ready Recommendations
Delivers automated, legally sound safeguards customized to the applicant’s specific metric scores.
Risk Management and Asset Protection Queries
Why does the assessment calculate a 6-month exposure timeline?
While the modern BAS system is designed to streamline tenant defaults, contested evictions, legal backlogs, and notification timelines in Portugal conservatively average 6 months to completely execute. The tool models this reality to protect your cash reserves.
How should I verify the "Existing Monthly Liabilities" field?
Request that the applicant provide their latest Central de Responsabilidades de Crédito map, downloadeable directly from the Banco de Portugal website. This document details their exact active monthly debt obligations.
Why does Aluseg collect my property data during this check?
By securely collecting property types, features, and actual lease values indexed by parish (freguesia), Aluseg is building an independent, real-world rental database. This dataset feeds our advanced valuation engines to help you perfectly optimize your portfolio prices over time.