The implicit interest rate for all housing loan agreements decreased from 3.663% in April to 3.570% in May. For the contracts that were closed in the previous three months, the interest rate decreased from 3.060% to 3.057%. The average value of owed capital increased 629 Euros, reaching 71,042 Euros. The average value of loan repayments decreased 1 euro to 395 euros, 9 euros less when compared to the value observed in May 2024 (-2.2%). In the last month, interest represented 53% of the average repayments. In the contracts signed in the last 3 months, the average value of loan repayments stood at 641 euros, 20 euros more than in the previous month (6.3% higher than in the same month of the previous year).