In October 2025
Implicit interest rate on housing loan agreements in the Region decreased for the twenty-first consecutive month

According to data released by Statistics Portugal (INE), in October 2025, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.204%, representing a decrease of 0.048 percentage points (pp) compared with the previous month. It should also be noted that, in October 2024, the implicit interest rate on housing loans was 4.411%.

The average value of loan repayments for all housing loan agreements increased by 1 euro compared with the previous month, reaching 394 euros. Interest payments decreased by 1 euro, totalling 185 euros, while the capital amortisation increased by 2 euros, amounting to 209 euros. In the same month of the previous year, the average value of loan repayment was 415 euros.

Meanwhile, the average outstanding amount for housing loan agreements continued to rise, standing at 69 860 euros in October 2025 (compared with 69 374 euros in the preceding September). One year earlier, the value stood at 66 091 euros.

At the national level, and considering all housing loan agreements, the implicit interest rate fell to 3.180%, down 0.048 pp from the previous month. The average value of loan repayment for all agreements increased to 394 euros, and the average outstanding amount rose to 74 180 euros (73 496 euros in the previous month). Across the country, interest rates decreased by 1 euro, to 194 euros, while the capital amortisation increased by 2 euros, reaching 200 euros.

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