The implicit interest rate for all housing loan agreements decreased from 1.011% in December 2019 to 1.000% in January 2020. For the contracts that were closed in the previous three months, the interest rate increased from 1.065% to 1.090%. The average value of owed capital increased 148 Euros, reaching 53,608 Euros. The average value of loan repayments decreased 1 Euro to 247 Euros.