The implicit interest rate for all housing loan agreements decreased for the third month in a row, from 4.613% in March to 4.606% in April. For the contracts that were closed in the previous three months, the interest rate decreased for the sixth consecutive month, from 4.000% to 3.910%. The average value of owed capital increased 186 Euros, reaching 65,577 Euros. The average value of loan repayments stood at 404 euros, one euro more than in the previous month, an increase of 63 euros compared to the value observed in April 2023 (18.5% more). In the last month, interest represented 61% of the average repayments, which compares with 48% one year before. In the contracts celebrated in the last 3 months, the average value of loan repayments decreased 8 euros to 611 euros (3.6% higher than the same month of the previous year).