Interest rates implied in housing loans
Interest rate in housing increased to 3.135%
- July 2026
20 August 2026
Summary
The implicit interest rate for all housing loan agreements increased from 3.101% in June to 3.135% in July. For the contracts that were closed in the previous three months, the interest rate increased from 2.853% to 2.910%. The average value of owed capital increased 598 Euros, reaching 79,463 Euros. The average value of loan repayments increased 3 Euros to 414 Euros, 20 Euros above the value observed in July 2025. In the last month, interest represented 49.5% of the average repayments. In the contracts signed in the last 3 months, the average value of loan repayments increased 16 Euros from the previous month to 731 euros (15.1% higher than in the same month of the previous year).
