The implicit interest rate for all housing loan agreements decreased for the first time since March 2022, from 4.657% in January to 4.641% in February. For the contracts that were closed in the previous three months, the interest rate decreased for the fourth month in a row, from 4.315% to 4.197%. The average value of owed capital increased 368 Euros, reaching 65,158 Euros. The average value of loan repayments decreased for the first time since February 2021, to 403 euros, an increase of 84 euros compared to the value observed in February 2023 (25.2% more). In the last month, interest represented 62% of the average repayments, which compares with only 41% one year before. In the contracts celebrated in the last 3 months, the average value of loan repayments decreased 11 euros to 628 euros (10.4% higher than the same month of the previous year).