The implicit interest rate for all housing loan agreements decreased from 3.180% in October to 3.133% in November. For the contracts that were closed in the previous three months, the interest rate increased for the first time since April 2025, from 2.850% to 2.853%. The average value of owed capital increased 490 Euros, reaching 74,670 Euros. The average value of loan repayments stood at 394 euros, the same value as in the previous month, 9 euros less when compared to the value observed in November 2024 (-2.2%). In the last month, interest represented 49.0% of the average repayments. In the contracts signed in the last 3 months, the average value of loan repayments increased 2 euros from the previous month to 668 euros (5.7% higher than in the same month of the previous year).