2022 Edition 12 MONTHLY STATISTICAL BULLETIN Interest rate rose to 1.011%; debt capital and monthly loan repayment increased, standing at €60,750 and €264, respectively In August 2022: • The implicit interest rate for all house loan agreements was 1.011%, rising 9.9 basis points1 (p.b.) compared to the previous month (0.992%); • For contracts closed over the last three months, the interest rate rose to 1.523% (1.289% in July); • The average value of owed capital for all contracts increased by €345 compared to July, standing at €60,750; Implicit interest rates in housing loans Average owed capital • The average value of installment payments increased to €268 (four euros more than the previous month); Of this amount, €51 (19%) correspond to interest payments and €217 (81%) to amortised capital; • For contracts concluded in the last 3 months, the average value of the loan increased by €20 to €445; • The implicit interest rate for the total contracts for housing purchase (the most relevant financing destination in the set of mortgage loans) rose to 1.027% (+9.9 b.p. than in July); For such contracts concluded in the last 3 months, the rate was 1.528% (+23.3 b.p. compared to the previous month). More information is available at: Interest rates implicit in housing loans – August 2022 20 September 2022 1 A base point is the equivalent of 0.01 p.p. 1.011% 0.780% 0.830% 0.880% 0.930% 0.980% 1.030% 1.080% Aug-19 Nov-19 Feb-20 May-20 Aug-20 Nov-20 Feb-21 May-21 Aug-21 Nov-21 Feb-22 May-22 Aug-22 60,750 € € 50,000 52,000 54,000 56,000 58,000 60,000 62,000 Aug-19 Nov-19 Feb-20 May-20 Aug-20 Nov-20 Feb-21 May-21 Aug-21 Nov-21 Feb-22 May-22 Aug-22
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