The implicit interest rate for all housing loan agreements decreased from 4.277% in October to 4.186% in November. For the contracts that were closed in the previous three months, the interest rate decreased from 3.533% to 3.423%. The average value of owed capital increased 437 Euros, reaching 68,129 Euros. The average value of loan repayments stood at 403 euros, 1 euro less than in the previous month, an increase of 7 euros compared to the value observed in November 2023 (1.8% more). In the last month, interest represented 58% of the average repayments. In the contracts celebrated in the last 3 months, the average value of loan repayments decreased 2 euros to 632 euros (3.5% less than in the same month of the previous year).