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Implicit interest rate

Home loan interest rate drops for the 14th consecutive month to 3.735%.

In March, the interest rate implied in housing credit contracts fell again, reaching 3.735%.

The home loan interest rate dropped to 3.830% in February.

The interest rate on housing loans fell to 3.830% in February, 15.4 basis points lower than in January. However, in more recent contracts signed in the last three months, the rate increased to 3.200%.

Housing Credit Acquisition

Mortgage credit: Implicit interest rate decreases again in January.

Reduction in rates reflects in lower monthly installments for newer contracts.

Housing Credit Acquisition

Mortgage credit: Interest rate decreases again in December.

The mortgage interest rate fell to 4.091% in December, showing a decrease from the previous month, but still above the value of the same period in 2023, according to INE data.

Housing Credit Acquisition

Interest rate on housing loans drops for the 10th month in November to 4.186%.

The implicit interest rate on home loans fell by 9.1 basis points in November, settling at 4.186%, down from 4.524% in November 2023.

Housing Credit Acquisition

Interest rate on housing loans drops to 4.277% for the 9th month in October.

The implicit interest rate on housing credit continued to fall in October, marking the 9th consecutive month of decline, reaching 4.277%.

Housing Credit Acquisition

Mortgage credit: Interest rate dropped for the 8th consecutive month.

In September, the implicit interest rate on housing loans fell for the 8th consecutive time, reaching 4.362%. Although still higher than the same period last year, according to the National Institute of Statistics (INE).

Housing Credit Acquisition

Mortgage credit: Interest rate decreases for the 7th consecutive month.

Implicit interest rate on mortgage loans decreased for the 7th consecutive month in August, to 4.417%. Read the numbers below.