In February 2026

Implicit interest rate on housing loan agreements in the Region continued to decrease

According to information made available by Statistics Portugal (INE), in February 2026, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.116%, recording a decrease of 0.029 percentage points (pp) compared to the previous month. It should also be noted that in February 2025, the implicit interest rate on housing credit was 3.924%.

The average value of loan repayments for all housing loan agreements decreased by 6 euros compared to the previous month, standing at 391 euros. Interest decreased by 2 euros compared to the previous month, standing at 182 euros, whilst the amortisation component fell by 4 euros, to 209 euros. In the same month of the previous year, the average value of the loan repayment due was 404 euros.

In turn, the average outstanding amount for housing loan agreements continued to increase, reaching, in February 2026, 70 878 euros (70 782 euros in the previous month). One year earlier, it stood at 67 159 euros.

At the national level, and across all housing loan agreements, the implicit interest rate stood at 3.079%, 0.032 pp lower than in the previous month. The average value of loan repayments for all housing loan agreements fell to 397 euros, with the average outstanding amount growing to 76 494 euros (75 994 euros in the preceding month). Nationwide, interest and amortised capital decreased by 1 euro compared with the previous month, moving to 194 euros and 203 euros, respectively.

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