The implicit interest rate for all housing loan agreements decreased from 4.362% in September to 4.277% in October. For the contracts that were closed in the previous three months, the interest rate decreased from 3.569% to 3.533%. The average value of owed capital increased 406 Euros, reaching 67,692 Euros. The average value of loan repayments stood at 404 euros, the same value as in the previous month, an increase of 12 euros compared to the value observed in October 2023 (3.1% more). In the last month, interest represented 59% of the average repayments. In the contracts celebrated in the last 3 months, the average value of loan repayments increased 12 euros to 634 euros (1.6% less than in the same month of the previous year).