In September 2025

Implicit interest rate on housing loans in the Region continued to decline, contributing to a decrease in the average repayment to 393 euros

According to data released by Statistics Portugal (INE), in September 2025, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.252%, representing a decrease of 0.086 percentage points compared to the previous month. It is worth noting that in September 2024, the implicit interest rate was 4.496%.

The average value of loan repayments for all housing loan agreements decreased by 1 euro compared to the previous month, settling at 393 euros. Of this amount, 186 euros corresponded to interest payments (a reduction of 4 euros from the previous month), while capital amortisation rose to 207 euros (an increase of 3 euros compared to August 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 continued to increase, reaching 69 374 euros in September 2025 (69 094 euros in August 2025). A year earlier, the figure stood at 65 848 euros.

At the national level, the implicit interest rate for all housing loan agreements decreased to 3.228%, 0.079 pp lower than in the previous month. The average value of loan repayment for all agreements down to 393 euros, while the average outstanding loan agreements rose to 73 496 euros (72 862 euros in the previous month). Nationwide, interest rates fell by 4 euros compared to the previous month, to 195 euros, whereas capital amortisation rose by 3 euros, to 198 euros.

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