The implicit interest rate for all housing loan agreements decreased from 4.091% in December 2024 to 3.978% in January 2025. For the contracts that were closed in the previous three months, the interest rate decreased from 3.349% to 3.113%. The average value of owed capital increased 522 Euros, reaching 68,992 Euros. The average value of loan repayments decreased 2 euros to 401 euros, 3 euros less when compared to the value observed in January 2024 (-0.7%). In the last month, interest represented 56% of the average repayments. In the contracts celebrated in the last 3 months, the average value of loan repayments stood at 600 euros, 32 euros less than in the previous month (6.1% below than in the same month of the previous year).