The implicit interest rate for all housing loan agreements increased from 4.593% in December 2023 to 4.657% in January 2024, the highest value since March 2009. For the contracts that were closed in the previous three months, the interest rate decreased for the third month in a row, from 4.342% to 4.315%. The average value of owed capital increased 193 Euros, reaching 64,790 Euros. The average value of loan repayments increased 4 euros to 404 euros, an increase of 89 euros compared to the value observed in January 2023 (28.3% 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 36% one year before. In the contracts celebrated in the last 3 months, the average value of loan repayments decreased 12 euros to 639 euros (20.3% higher than the same month of the previous year).