The implicit interest rate for all housing loan agreements decreased from 3.133% in November to 3.130% in December. For the contracts that were closed in the previous three months, the interest rate decreased from 2.853% to 2.850%. The average value of owed capital increased 600 Euros, reaching 75,270 Euros. The average value of loan repayments increased 3 Euros to 397 Euros, 6 Euros less (-1.5%) when compared to the value observed in December 2024 In the last month, interest represented 48.9% of the average repayments. In the contracts signed in the last 3 months, the average value of loan repayments increased 7 euros from the previous month to 675 euros (6.8% higher than in the same month of the previous year).  

In 2025, the average annual interest rate for total mortgage loans was 3.414% (4.372% in the previous year). When compared to 2024, the average mortgage owed capital rose 5,806 Euros to 72,314 Euros. The average value of loans repayments decreased 2.0% (8 Euros) to 396 Euros.