The implicit interest rate for all housing loan agreements increased from 1.053% in December 2018 to 1.054% in January 2019. For the contracts closed in the last three months, the interest rate dropped 14.2 base points in January, reaching 1.282%. The average value of loan repayments maintained its previous level at 244 Euros. The average value of owed capital increased 128 Euros, reaching 52,504 Euros.