In July 2025

Average monthly repayment in housing loans in the Region decreased by 21 euros year-on-year

According to data released by Statistics Portugal (INE), in July 2025, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.420%, representing a decrease of 0.108 percentage points compared to the previous month. It is worth noting that in July 2024, the implicit interest rate was 4.618%.

The average value of loan repayments for all housing loan agreements decreased by 1 euro compared to the previous month, settling at 397 euros. Of this amount, 194 euros corresponded to interest payments (a reduction of 5 euros from the previous month), while capital amortisation rose to 203 euros (an increase of 4 euros compared to June 2025). In the same month of the previous year, the average value of loan repayment amounted to 418 euros.

Meanwhile, the average outstanding amount for housing loan agreements increased for the 27^th consecutive month, reaching 68 801 euros in June 2025 (68 463 euros in June 2025). A year earlier, the figure stood at 65 287 euros.

At the national level, the implicit interest rate for all housing loan agreements decreased to 3.385%, 0.094 pp lower than in the previous month. The average value of loan repayment for all agreements remained unchanged at 394 euros, while the average outstanding loan agreements rose to 72 270 euros (71 677 euros in the previous month). Nationwide, interest rates fell by 4 euros compared to the previous month, to 202 euros, whereas capital amortisation rose by 4 euros, to 192 euros.  

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