The implicit interest rate for all housing loan agreements increased from 3.649% in June to 3.878% in Jule, the highest value since April 2009. For the contracts that were closed in the previous three months, the interest rate increased from 4.132% to 4.173%. The average value of owed capital increased 259 Euros, reaching 63,555 Euros. The average value of loan repayments increased 9 euros to 370 Euros, an increase of 106 euros compared to the value observed in July 2022 (40.2% more). In the last month, interest represented 55% of the average repayments, which compares with only 17% one year before. In the contracts celebrated in the last 3 months, the average value of loan repayments decreased 5 euros to 604 euros (42.1% higher than the same month of the previous year).