In March 2026
Implicit interest rate on housing loans in the Region rose to 3.133% after 25 months of decline

According to data released by Statistics Portugal (INE), in March 2026, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.133%, representing an increase of 0.017 percentage points compared to the previous month. It is worth noting that in March 2025, the implicit interest rate was 3.818%.

The average value of loan repayments for all housing loan agreements increased by 5 euros compared to the previous month, settling at 396 euros. Of this amount, 184 euros corresponded to interest payments (down 2 euros from the previous month), while capital amortisation rose to 212 euros (an increase of 3 euros compared to February 2025). In the same month of the previous year, the average value of loan repayment amounted to 403 euros.

Meanwhile, the average outstanding amount for housing loan agreements increased, reaching 71 379 euros in March 2026 (70 878 euros in February 2026). A year earlier, the figure stood at 67 532 euros.

At the national level, the implicit interest rate for all housing loan agreements increased to 3.088%, 0.009 pp higher than in the previous month. The average value of loan repayment for all agreements went up to 402 euros, while the average outstanding loan agreements rose to 77 078 euros (76 494 euros in the previous month). Nationwide, interest rates up by 2 euros compared to the previous month, to 196 euros, whereas capital amortisation rose by 3 euros, to 206 euros.  

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