The implicit interest rate for all housing loan agreements decreased from 0.807% in November to 0.801% in December. For the contracts that were closed in the previous three months, the interest rate decreased from 0.692% to 0.682%. The average value of owed capital increased 123 Euros, reaching 58,207 Euros. The average value of loan repayments stood at 253 Euros.
In 2021, the average annual interest rate for total mortgage loans was 0.821%, down by 13.6 basis points from the previous year. When compared with 2020, the average mortgage owed capital rose 2,428 Euros to 56,668 Euros in 2021. The average value of loans repayments increased 1.7% (4 Euros) to 237 Euros.