AUGUST 2022 17 MONTHLY STATISTICAL BULLETIN The interest rate rose to 0.912%; the owed capital and the monthly loan repayment have increased and stood at €60,405 and €264, respectively In July 2022: • The implicit interest rate for all housing loan agreements rose to 0.912%, increasing by 5.4 basis points1 (bps) compared to the previous month (0.858%); • For contracts closed in the last three months, the interest rate rose from 1.158% in June to 1.289% in July; • The average value of owed capital for all contracts increased by €344 compared to June, standing at €60,405; Implicit interest rates in housing loans Average owed capital • The average value of the loan repayments increased to €264 (three euros more than the previous month); Of this amount, about €46 (17%) correspond to interest payments and €218 (83%) to amortized capital; • The implicit interest rate for total contracts for house purchase (the most relevant financing destination in the set of mortgage loans) rose to 0.928% (+5.4 bps than in June); For this type of contract signed in the last three months, the rate was 1.295% (+13.2 bps compared to the previous month). More information is available at: Interest rates implicit in housing loans – July 2022 18 August 2022 1 One basis point is the equivalent of 0.01 percentage points. 0.912% 0.780% 0.830% 0.880% 0.930% 0.980% 1.030% 1.080% Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 60,405 € 50,000 52,000 54,000 56,000 58,000 60,000 62,000 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22
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