In August 2026
Implicit interest rate on housing loans in the Region rose to 3.246%

According to information provided by Statistics Portugal (INE), in August 2026, the implicit interest rate on housing loans in the Autonomous Region of Madeira (ARM) stood at 3.246%, recording an increase of 0.038 percentage points (pp) compared with the previous month. It should also be noted that, in August 2025, the implicit interest rate on housing loans was 3.338%.

The average value of loan repayments for all housing loan agreements increased by 3 euros compared with the previous month, standing at 411 euros. Interest grew by 3 euros compared with the previous month, standing at 196 euros, while the amortisation component remained unchanged compared with the previous month. In the same month of the previous year, the average value of the loan repayment was 394 euros.

In turn, the average outstanding amount of housing loan agreements continued to increase, reaching, in August 2026, 73 377 euros (72 980 euros in the previous month). A year earlier, it stood at 69 094 euros.

At the national level, and considering the whole of housing loan contracts, the implicit interest rate stood at 3.162%, 0.027 pp higher than in the previous month. The average value of loan repayments for all housing loan agreements grew to 418 euros, with the average amount of capital outstanding growing to 80 188 euros (79 463 euros in the previous month). Nationally, interest rose by 4 euros compared with the previous month, to 209 euros, while amortised capital remained at 209 euros.

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