Madeira housing loan rate rises to 3.246% in August
Madeira GuideMadeira's implicit housing credit interest rate rose in August, while the average monthly instalment reached €411.
The implicit interest rate on housing credit in the Autonomous Region of Madeira rose to 3.246% in August 2026. It was 0.038 percentage points higher than in the previous month but below the 3.338% recorded a year earlier.
The average monthly housing loan instalment due in Madeira rose by €3 from the previous month to €411. The increase was entirely due to the interest component, which rose by €3 to €196. The capital repayment component was unchanged.
The average instalment was €17 higher than in August 2025, when it was €394. Average outstanding capital on housing loan contracts reached €73,377, up €397 from the previous month and €4,283 from a year earlier.
Nationally, the implicit housing credit interest rate was 3.162% in August. Madeira's rate was 0.084 percentage points above the national average. The average instalment in Madeira was below the national figure of €418. Average outstanding capital was €73,377 in Madeira, compared with €80,188 nationally.
Sources
Madeira Guide
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