In December 2025
Implicit interest rate on housing loan agreements in the Region remained unchanged compared with the previous month

According to information released by Statistics Portugal (INE), in December 2025, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.157%, recording the same value as in the previous month. This stabilisation brought to an end a sequence of 22 consecutive months of declines. It should also be noted that, in December 2024, the implicit interest rate on housing loans stood at 4.214%.

The average value of loan repayments for all housing loan agreements increased by 4 euros compared with the previous month, reaching 397 euros. Interest payments rose by 1 euro month-on-month, amounting to 184 euros, while the capital amortisation increased by 3 euros, to 213 euros. In the corresponding month of the previous year, the average value of loan repayment stood at 413 euros.

In turn, the average outstanding amount for housing loan agreements continued to increase, reaching 70 519 euros in December 2025 (70 235 euros in the previous month). One year earlier, this figure stood at 66 606 euros.

At the national level, considering all housing loan agreements, the implicit interest rate stood at 3.130%, down by 0.003 percentage points compared with the previous month. The average value of loan repayment for all housing agreements increased to 397 euros, while the average outstanding amount rose to 75 270 euros (74 670 euros in the preceding month). Nationwide, interest rates increased by 1 euro compared with the previous month, to 194 euros, whereas the capital amortisation rose by 2 euros, reaching 203 euros.

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