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Crédito habitação: Taxa de juro média das novas operações desce para 3,47%

Mortgage credit: Average interest rate for new operations decreases to 3.47%

Average interest rate of new housing credit operations decreased for the 11th consecutive month.  

20 Nov 20242 min

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It is the 11th consecutive month that the average interest rate on new home loans is decreasing.

In September, the average interest rate on new housing credit operations decreased for the 11th consecutive month, now standing at 3.47%. The average rate for new time deposits also fell for the 9th consecutive month, settling at 2.55%.

According to data from the Bank of Portugal (BdP), as seen on Notícias ao Minuto, the average interest rate on new housing credit operations (including both brand new contracts and renegotiated ones) dropped from 3.55% in August to 3.47% in September, maintaining a downward trend over the last 11 months.

In new housing credit contracts, the average interest rate decreased by 0.06 percentage points, reaching 3.37%. In renegotiated contracts, the average rate fell by 0.12 percentage points, to 3.85%.

In the eurozone, the average interest rate for new housing loans fell by 0.10 percentage points, reaching 3.59% - a slightly more pronounced decrease than in Portugal. Currently, Portugal has the seventh lowest average interest rate in the eurozone, below the European average.

Regarding consumer loans, the average interest rate for new operations decreased from 9.10% in August to 9.03% in September. For loans intended for other purposes, there was a reduction of 0.20 percentage points, now standing at 4.90%.

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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.