The implicit interest rate for all housing loan agreements decreased from 0.801% in December 2021 to 0.798% in January 2022. For the contracts that were closed in the previous three months, the interest rate increased from 0.682% to 0.684%. The average value of owed capital increased 350 Euros, reaching 58,557 Euros. The average value of loan repayments rose 1 euro to 254 Euros.