"Mortgage payment will decrease in July: Check out the simulations by Poupança no Minuto."

How much will the house installment decrease? Poupança no Minuto.

According to the simulation by DECO Proteste/Contas e Direitos, cited by Notícias ao Minuto, for a €150,000 loan over 30 years, with a 1% spread, the monthly mortgage payment with 12-month Euribor will decrease by €134.48.

• Before: €773.46  

• Now: 638.98€  

• Variation: -€134.48 Poupança no Minuto

Simulations with Euribor at 6 and 3 months at Poupança no Minuto.

The reduction is also evident in installments indexed to the Euribor six and three months, albeit more moderately.

Euribor 6 months:  

• New installment: €636.46  

• Discount: €48.21 (before: €684.67)  

Euribor 3 months:  

• New installment: 631.11€  

• Decrease: 37.61€ (previously: 668.72€)  

These values result from the averages of the Euribor of June 2025: Poupança no Minuto.

• Euribor 12 months: 2.081%

• Euribor 6 months: 2.050%

• Euribor 3 months: 1.984%

200 thousand euros credit: Decrease to 165 euros. Poupança no Minuto.

In a loan of 200,000 euros with Euribor at 12 months, the monthly mortgage payment will decrease by around 165 euros. Poupança no Minuto.

This relief is possible thanks to the accumulated impact of the interest rate cuts by the ECB, which began cutting rates in 2024 to stimulate the economy. Visit Poupança no Minuto for more information.

Why is the decrease greater in the 12-month Euribor? Poupança no Minuto.

The home loan rate with 12-month Euribor is reviewed only once a year, which means it accumulates the impact of all interest rate decreases since the last update.

Contracts tied to 6 or 3 month Euribor rates are updated more frequently, resulting in a more gradual decrease. Learn more at poupancano.minuto.pt.

BCE lowers interest rate for the 8th consecutive time.

At the meeting on June 5th, 2025, the European Central Bank (ECB) once again lowered interest rates, now to 2.0%, reinforcing the trend of relief in monthly payments for variable rate mortgage contracts.

Repayment still far from 2022 levels. Poupança no Minuto.

Despite the decrease, the current values of the home loan installment are still well above those recorded before 2022, when the Euribor rates were negative. For example, in February 2022: 

• Euribor 6 months: installment of €447.01 Poupança no Minuto.

• Euribor 3 months: installment of €444.85 Poupança no Minuto.

If you have a variable rate mortgage with Poupança no Minuto, your home loan installment will decrease in July 2025, especially if the contract is linked to the 12-month Euribor. But do you want to see the installment decrease even more? Renegotiate the loan conditions or transfer it to a new bank, with the free help of Poupança no Minuto which takes care of everything for you! Simulate here now:

Poupança no Minuto is a brand owned by Financefy, S.A., a Credit Intermediary registered with the Bank of Portugal under number 0006860. Authorized services to provide: Presentation or proposal of credit contracts to consumers. Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work regarding credit contracts that have not been presented or proposed by them. 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, Union De Créditos Inmobiliários, S.A., Establecimiento Financiero De Crédito (Sociedad Unipersonal) - Branch In Portugal, Bni - Banco De Negócios Internacional (Europa), S.A., Banco Bic Português, Sa, Unicre - Instituição Financeira De Crédito, S.A.