Despite the descent, the average value of benefits remains high due to the increase in the price of houses.
Housing credit interest continues to download. In July, the average interest rate was set at 3.385%, a decrease of almost a tenth of the previous month.
This is good news, especially for those who remembered the peak registered in January 2024, when the rate reached almost 4.7%.
According to data from in the contracts celebrated in the last three months, The interest rate also felllocated at 2.90% in July.
The average value of monthly provision of these recent contracts is now 636 euros, An increase of 3.9% compared to contracts made in the same month as last year.
Considering all contracts, the average value of the monthly installment is 394 euros, less 11 euros than in July 2024.
Of the value of the installment, 202 euros (51%) correspond to the payment of interest, while 192 euros (49%) are intended for the amortization of capital, being practically divided in the middle.
O average capital of debt to all housing credits continues to risereflecting the increase in the price of houses: it has a addition of 593 euros, now reaching 72 thousand euros per property.
