In May 2025

Average loan repayment in the Region fell below the 400 euros threshold

According to data released by Statistics Portugal (INE), in May 2025, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.634%, representing a decrease of 0.105 percentage points compared to the previous month. It is worth noting that in May 2024, the implicit interest rate was 4.687%.

The average value of loan repayments for all housing loan agreements decreased by 2 euros compared to the previous month, settling at 399 euros. Of this amount, 203 euros corresponded to interest payments (a reduction of 5 euros from the previous month), while capital amortisation rose to 196 euros (an increase of 3 euros compared to April 2025). In the same month of the previous year, the average value of loan repayment amounted to 417 euros. It is noteworthy that this indicator last fell below the 400 euro mark in October 2023.

Meanwhile, the average outstanding amount for housing loan agreements increased for the 25th consecutive month, reaching 68 023 euros in May 2025 (67 745 euros in April 2025). A year earlier, the figure stood at 64 868 euros.

At the national level, the implicit interest rate for all housing loan agreements decreased to 3.570%, 0.093 pp lower than in the previous month. The average value of loan repayment for all agreements declined to 395 euros, while the average outstanding loan agreements rose to 71 042 euros (70 413 euros in the previous month). Nationwide, interest rates fell by 3 euros compared to the previous month, to 210 euros, whereas capital amortisation rose by 2 euros, to 185 euros.  

 
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