The implicit interest rate for all housing loan agreements decreased from 1.051% in October to 1.049% in November. For the contracts closed in the last three months, the interest rate dropped 0.7 base points in November, reaching 1.452%. The average value of loan repayments was 243 Euros, the same as in the previous month. The average value of owed capital increased 192 Euros to 52,352 Euros.