2022 Edition 8 MONTHLY STATISTICAL BULLETIN Interest rate decreased to 0.801%, while the owed capital and monthly loan repayments stood at €58,207 and €253, respectively In December 2021: • The implicit interest rate in all the housing loan agreements was 0.801% (0.807% in the previous month); • For contracts closed in the last three months, the interest rate fell to 0.682% (0.692% in November); • The average owed capital for all contracts increased by €123 compared with the previous month, to €58,207; Implicit interest rates in housing loans Average owed capital • The average value of the loan repayments remained at €253; • The implicit interest rate for total mortgage loans for house purchase (the most relevant financing destination in the set of mortgage loans) decreased to 0.816% (-0.5 b.p. concerning the previous month); For these contracts entered in the last 3 months, the rate decreased by 0.2 b.p. when compared with the previous month, standing at 0.680%. In 2021, as a whole: • The average annual interest rate for total mortgage loans was 0.821% (-13.6 b.p. vis-à-vis the previous year); • The average mortgage owed capital increased by €2,428 to €56,668; • The average monthly repayment increased by 1.7% (€4), to €237. More information is available at: Interest rates implicit in housing loans – December 2021 (19 January 2022) € 58,207 € 49,000 € 50,000 € 51,000 € 52,000 € 53,000 € 54,000 € 55,000 € 56,000 € 57,000 € 58,000 € 59,000 Dez-18 Mar-19 Jun-19 Set-19 Dez-19 Mar-20 Jun-20 Set-20 Dez-20 Mar-21 Jun-21 Set-21 Dez-21 0.801% 0.730% 0.780% 0.830% 0.880% 0.930% 0.980% 1.030% 1.080% Dez-18 Mar-19 Jun-19 Set-19 Dez-19 Mar-20 Jun-20 Set-20 Dez-20 Mar-21 Jun-21 Set-21 Dez-21
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