The implicit interest rate for all housing loan agreements decreased from 0.897% in December 2020 to 0.873% in January 2021. For the contracts that were closed in the previous three months, the interest rate decreased from 0.790% to 0.744%. The average value of owed capital increased 199 Euros, reaching 55,286 Euros. The average value of loan repayments stood at 227 Euros.