Pre-tenancy tenant solvency calculator
Calculate tenant effort rates (debt-to-income ratio) and instantly assess the risk of financial default. Whether analyzing a new applicant or adjusting lease terms, our free tool calculates the real financial exposure and affordability limits in seconds.
Tenant Solvency Assessment
& Location
Terms
Property Location & Details
Financial Terms & Tenant Details
Analysing tenant solvency…
For information only. Not a substitute for professional legal advice.
- Step 1
Enter location and property details
Enter your municipality, parish, and property type in Portugal. This vital data maps real-world rental terms directly to Aluseg's local rental database.
- Step 2
Define financial terms and income
Provide the proposed monthly rent, security deposit terms, and the potential tenant's verified gross monthly income, along with existing debt obligations.
- Step 3
Review the risk assessment report
The tool instantly performs financial calculations to present the tenant's Simple and Global Effort Rates, their Net Financial Exposure in case of default, and a clear risk rating.
Institutional risk threshold levels
Aluseg filters tenants’ financial data through standard banking and insurance risk thresholds used across the Portuguese real estate sector. Assess where your applicant fits:
| Underwriting grade | Simple effort rate | Global debt profile | Recommended action for the landlord |
|---|---|---|---|
| Grade A (low risk) | ≤ 30% | ≤ 40% | Safe to issue the lease agreement under standard terms. Strong liquidity margins. |
| Grade B (moderate risk) | 30.1% - 40% | 40.1% - 45% | Conditional approval: Reaches maximum bank credit safety limits. Requires a Guarantor (Portuguese). |
| Grade C (high risk) | > 40% | > 45% | Critical danger. Violates the macroprudential limits of the Bank of Portugal. Do not proceed without advanced rent guarantee insurance. |
Underwriting metrics
Capital protection within the Portuguese rental framework
In Portugal, managing property cash flow requires rigorous upfront screening. Since 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 agreement blind.
Simple rent-to-income ratio
Identifies whether the base rent requested for the property overburdens the tenant household's pool of verifiable income.
Cross-liability verification
Analyzes the true budgetary impact of existing auto loans, personal loans, and credit lines that affect their net payment capacity.
Net cash exposure projection
Calculates your worst-case legal, administrative, and re-letting costs, balanced against the retained deposit during a standard 6-month Portuguese eviction cycle.
Compliance-ready recommendations
Delivers automated and legally sound safeguards, customized to the applicant's specific metric results.
After the analysis
Decide with more information
Aluseg tenant screening
Applications, Tenant Passport and one solvency check included per year, even on the Free plan.
See how it worksReview the applicant's file
A checklist to collect and confirm the right documents.
Read the checklistRent insurance, guarantor or deposit?
Compare the guarantees and choose the one that protects the landlord best.
CompareCreate the lease agreement
A free NRAU-compliant generator, ready to sign.
Generate the lease
Frequently asked questions
Risk management and asset protection questions
Why does the assessment calculate a 6-month exposure period?
Although the modern BAS system is designed to streamline tenant default situations, contested evictions, legal delays, and notification periods in Portugal conservatively take an average of 6 months to be fully executed. The tool models this reality to protect your cash reserves.
How should I verify 'Existing Monthly Liabilities'?
Request that the applicant provide their most recent Central de Responsabilidades de Crédito report, downloadable directly from the Bank of Portugal website. This document details their exact active monthly debt obligations.
Why does Aluseg collect my property data during this screening?
By securely collecting property types, features, and actual rental values indexed by (freguesia), Aluseg is building an independent, reality-based rental database. This dataset powers our advanced valuation engines to help you perfectly optimize your portfolio pricing over time.