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Taxa de juro na habitação desce pelo 14.º mês consecutivo para 3,735%

Housing interest rate drops for the 14th consecutive month to 3.735%.

In March, the implicit interest rate in housing credit contracts fell again, reaching 3.735%.

02 May 2025 • 2 min

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Interest rate for home loans lowers to 3.735% in March.

The data is from the National Institute of Statistics (INE), shared on Notícias ao Minuto, and indicate another decrease in the interest rate on housing credit.

The implicit interest rate on home loans recorded a new decrease in March, falling to 3.735%. This is the 14th consecutive month of decline, reflecting the trend of slowing interest rates in the real estate market.  

According to INE, this reduction represents a decrease of 0.015 percentage points compared to the previous month. The continued decrease in interest rates has a direct impact on the monthly payments of housing credit contracts, potentially easing the financial burden on families.

However, the effect of this decrease varies depending on the type of contract and the frequency of interest rate review. Contracts with variable rates and more frequent reviews may benefit more quickly from this trend.

This evolution occurs in a context of adjustment of monetary policies, with the European Central Bank (ECB) maintaining a cautious stance towards inflation and economic growth in the eurozone.

Do you want to take advantage of the decrease in interest rates to contract your home loan now? Save yourself the headaches of the process and leave everything in the hands of the credit intermediaries at Poupança no Minuto! Through a free service, we find the best offer on the market for you and take care of all the bureaucracy, simply simulate now:

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Eleito Produto do Ano 2025
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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.