In November 2025

Implicit interest rate on housing loans in the Region continued to decline

According to data released by Statistics Portugal (INE), in November 2025, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.157%, representing a decrease of 0.047 percentage points (pp) compared with the previous month. It is also worth noting that, as of November 2024, the implicit interest rate on housing loans was 4.322%.

The average value of loan repayments for all housing loan agreements decreased by 1 euro compared with the previous month, reaching 393 euros. Interest payments decreased by 2 euros, totalling 183 euros, while the capital amortisation increased by 1 euro, amounting to 210 euros. In the same month of the previous year, the average value of loan repayment was 417 euros.

Meanwhile, the average outstanding amount for housing loan agreements continued to rise, standing at 70 235 euros in November 2025 (compared with 69 860 euros in the preceding October). One year earlier, the value stood at 66 363 euros.

At the national level, and considering all housing loan agreements, the implicit interest rate fell to 3.133%, down 0.047 pp from the previous month. The average value of loan repayment for all agreements remained unchanged in 394 euros, and the average outstanding amount rose to 74 670 euros (74 180 euros in the previous month). Across the country, interest rates decreased by 1 euro, to 193 euros, while the capital amortisation increased by 1 euro, reaching 201 euros.

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