In June 2025

Implicit interest rate on housing loans in the Region continued to decline

According to data released by Statistics Portugal (INE), in June 2025, the implicit interest rate on housing loan agreements in the Autonomous Region of Madeira (ARM) stood at 3.528%, representing a decrease of 0.106 percentage points compared to the previous month. It is worth noting that in June 2024, the implicit interest rate was 4.645%.

The average value of loan repayments for all housing loan agreements decreased by 1 euro compared to the previous month, settling at 398 euros. Of this amount, 199 euros corresponded to interest payments (a reduction of 4 euros from the previous month), while capital amortisation rose to 199 euros (an increase of 3 euros compared to May 2025). In the same month of the previous year, the average value of loan repayment amounted to 417 euros.

Meanwhile, the average outstanding amount for housing loan agreements increased for the 26^th consecutive month, reaching 68 463 euros in June 2025 (68 023 euros in May 2025). A year earlier, the figure stood at 65 046 euros.

At the national level, the implicit interest rate for all housing loan agreements decreased to 3.479%, 0.091 pp lower than in the previous month. The average value of loan repayment for all agreements declined to 394 euros, while the average outstanding loan agreements rose to 71 677 euros (71 042 euros in the previous month). Nationwide, interest rates fell by 4 euros compared to the previous month, to 216 euros, whereas capital amortisation rose by 3 euros, to 188 euros.  

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