The implicit interest rate for all housing loan agreements decreased from 3.307% in August to 3.228% in September. For the contracts that were closed in the previous three months, the interest rate decreased from 2.883% to 2.873%. The average value of owed capital increased 634 Euros, reaching 73,496 Euros. The average value of loan repayments decreased 1 Euro to 393 euros, 11 euros less when compared to the value observed in September 2024 (-2.7%). In the last month, interest represented 49.6% of the average repayments, the first time since May 2023 that is below 50%. In the contracts signed in the last 3 months, the average value of loan repayments increased 15 euros from the previous month to 666 euros (7.1% higher than in the same month of the previous year).