In January 2026

Implicit interest rate on housing loan agreements in the Autonomous Region was approximately 1 percentage point lower than in the same month of the previous year

According to information released by Statistics Portugal (INE), in January 2026, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.145%, representing a decrease of 0.012 percentage points (pp) compared to the previous month. It should also be noted that, in January 2025, the implicit interest rate on housing loans stood at 4.084%.

The average value of loan repayments for all housing loan agreements (397 euros), the interest payments (184 euros) and the capital amortisation (213 euros) showed no change when compared to the previous month. In the corresponding month of the previous year, the average value of loan repayment stood at 410 euros.

In turn, the average outstanding amount for housing loan agreements continued to increase, reaching 70 782 euros in January 2026 (70 519 euros in the previous month). One year earlier, this figure stood at 67 017 euros.

At the national level, considering all housing loan agreements, the implicit interest rate stood at 3.111%, down by 0.019 percentage points compared with the previous month. The average value of loan repayment for all housing agreements increased to 399 euros, while the average outstanding amount rose to 75 994 euros (75 270 euros in the preceding month). Nationwide, interest and amortised capital increased by 1 euro compared to the previous month, rising to 195 euros and 204 euros, respectively.

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