The implicit interest rate for all housing loan agreements decreased from 3.228% in September to 3.180% in October. For the contracts that were closed in the previous three months, the interest rate decreased from 2.873% to 2.850%. The average value of owed capital increased 684 euros, reaching 74,180 euros. The average value of loan repayments increased 1 euro to 394 euros, 10 euros less when compared to the value observed in October 2024 (-2.5%). In the last month, interest represented 49.2% of the average repayments. In the contracts signed in the last 3 months, the average value of loan repayments also increased 1 euro from the previous month to 667 euros (5.2% higher than in the same month of the previous year).