taxa de juro implícita
Published 8 November 2026, 22:51
taxa de juro implícita — average rate on loans already granted
Not the rate a bank offers today, but the average rate on all the mortgages people are currently paying off. INE calculates it every month from bank reports. In August 2026 it was 3.162%, up for the fourth month in a row. A separate rate is calculated for contracts signed in the last three months: 2.910% in August.
Where you come across it. INE's monthly summaries on housing loans, news about mortgage rates.
It doesn't tell you what rate you would be offered: the average includes old contracts at old rates. For today's terms, look at the rate on new contracts.