In April 2026
Implicit interest rate on housing loans in the Region decreased again, after having risen in the previous month

According to data released by Statistics Portugal (INE), in April 2026, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.125%, representing a decrease of 0.008 percentage points compared to the previous month. It is worth noting that in April 2025, the implicit interest rate was 3.739%.

The average value of loan repayments for all housing loan agreements increased by 4 euros compared to the previous month, settling at 400 euros. Of this amount, 185 euros corresponded to interest payments (up 1 euro from the previous month), while capital amortisation rose to 215 euros (an increase of 3 euros compared to March 2025). In the same month of the previous year, the average value of loan repayment amounted to 401 euros.

Meanwhile, the average outstanding amount for housing loan agreements increased, reaching 71 841 euros in April 2026 (71 379 euros in March 2026). A year earlier, the figure stood at 67 745 euros.

At the national level, and across all housing loan agreements, the implicit interest rate stood at 3.077%, 0.011 pp lower than in the previous month. The average value of loan repayments for all housing loan agreements rose to 404 euros, with the average outstanding amount growing to 77 614 euros (77 078 euros in the preceding month). Nationwide, interest and amortised capital increased by 1 euro compared with the previous month, moving to 197 euros and 207 euros, respectively.

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