The implicit interest rate for all housing loan agreements increased from 4.433% in October to 4.524% in November, the highest value since March 2009. For the contracts that were closed in the previous three months, the interest rate decreased for the first time in 20 months, from 4.380% to 4.366%. The average value of owed capital increased 252 Euros, reaching 64,438 Euros. The average value of loan repayments increased 4 euros to 396 euros, an increase of 108 euros compared to the value observed in November 2022 (37.5% more), achieving its maximum value since the beginning of the series (January 2009). In the last month, interest represented 61% of the average repayments, which compares with only 29% one year before. In the contracts celebrated in the last 3 months, the average value of loan repayments increased 11 euros to 655 euros (29.2% higher than the same month of the previous year).