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Taxa de juro do crédito habitação desceu para 3,830% em fevereiro

The home loan interest rate dropped to 3.830% in February.

The interest rate on housing loans fell to 3.830% in February, 15.4 basis points lower than in January. However, in more recent contracts signed in the last three months, the rate increased to 3.200%.

25 Mar 20252 min

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Implicit interest rate decreases in February, but recent contracts show an increase.

The implicit interest rate on housing loans dropped in February, settling at 3.830%, 15.4 basis points less (b.p.) than in January (3.984%), according to data released this Wednesday by the National Statistics Institute (INE), cited in Notícias ao Minuto.

In our most recent contracts, signed in the last three months, the interest rate rose from 3.169% in January to 3.200% in February.

The average monthly installment was 400 euros, 1 euro more than the previous month, but 3 euros less than in February 2024. Last month, the portion allocated to interest payments represented 55% of the total installment.

In the contracts signed in the last three months, the average installment increased by 21 euros, reaching 622 euros, which represents a 1.0% reduction compared to the same period last year. The average outstanding amount in housing credit contracts increased by 560 euros, settling at 69,512 euros.

Do you want to take advantage now to contract your housing credit? The credit intermediaries at Poupança no Minuto find the best interest rate on the market for you! The agent accompanies you from start to finish, without worrying about any bureaucracy or cost. Simulate now:

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Financefy S.A. Credit Intermediary registered with Banco de Portugal (Bank of Portugal) as nº 0006860

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Poupança no Minuto is a brand owned by Financefy, S.A., a linked credit intermediary registered with the Bank of Portugal under number 0006860. Services authorized to provide: Presentation or proposal of credit agreements to consumers. Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work in relation to credit agreements that have not been presented or proposed by the company. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral De Depósitos, S.A., Banco BPIi S.A., Banco Santander Totta, S.A., Abanca Corporación Bancaria, S.A., Branch in Portugal, Banco Ctt, S.A., Novo Banco, S.A., Cofidis, BNP Paribas Personal Finance, S.A. - Branch in Portugal, Real Estate Credit Union, S.A., Credit Financial Establishment (Sole Proprietorship) - Branch in Portugal, Bni - International Business Bank (Europe), S.A., Banco Bic Português, Sa, Unicre - Credit Financial Institution, S.A.