Do you have housing credit? See what will happen to your loan here
The simulations carried out by CNN Portugal based on the Banco de Portugal simulator allow us to verify that in all deadlines there is a reduction in the installment payable to the bank. Check your case
KNOW MORE Lower interest rates will come to a halt again but the installment payable to the bank will decrease
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How much has already increased and how the house payment will evolve in April
30-year loan with 1% spread
EURIBOR 3 MONTHS
Loan of 25 thousand euros
paid
Variation
April 2023
118.07
July 2023
126.65
8.58
October 2023
131.28
4.63
January 2024
131.59
0.31
April 2024
130.95
-0.64
Face increase a year ago
12.88
Loan of 50 thousand euros
paid
Variation
April 2023
236.15
July 2023
253.29
17.14
October 2023
262.55
9.26
January 2024
263.17
0.62
April 2024
261.91
-1.26
Face increase a year ago
25.76
Loan of 75 thousand euros
paid
Variation
April 2023
354.22
July 2023
379.94
25.72
October 2023
393.83
13.89
January 2024
394.76
0.93
April 2024
392.86
-1.90
Face increase a year ago
38.64
Loan of 100 thousand euros
paid
Variation
April 2023
472.30
July 2023
506.58
34.28
October 2023
525.10
18.52
January 2024
526.34
1.24
April 2024
523.81
-2.53
Face increase a year ago
51.51
Loan of 125 thousand euros
paid
Variation
April 2023
590.37
July 2023
633.23
42.86
October 2023
656.38
23.15
January 2024
657.93
1.55
April 2024
657.77
-0.16
Face increase a year ago
67.40
Loan of 150 thousand euros
paid
Variation
April 2023
708.45
July 2023
759.88
51.43
October 2023
787.65
27.77
January 2024
789.51
1.86
April 2024
785.72
-3.79
Face increase a year ago
77.27
EURIBOR 6 MONTHS
Loan of 25 thousand euros
paid
Variation
April 2023
123.23
October 2023
133.54
10.31
April 2024
130.55
-2.99
Face increase a year ago
7.3
Loan of 50 thousand euros
paid
Variation
April 2023
246.47
October 2023
267.09
20.62
April 2024
261.1
-5.99
Face increase a year ago
14.6
Loan of 75 thousand euros
paid
Variation
April 2023
369.7
October 2023
400.63
30.93
April 2024
391.65
-8.98
Face increase a year ago
22.0
Loan of 100 thousand euros
paid
Variation
April 2023
492.94
October 2023
534.18
41.24
April 2024
522.2
-11.98
Face increase a year ago
29.3
Loan of 125 thousand euros
paid
Variation
April 2023
616.17
October 2023
667.72
51.55
April 2024
652.75
-14.97
Face increase a year ago
36.6
Loan of 150 thousand euros
paid
Variation
April 2023
739.4
October 2023
801.27
61.87
April 2024
783.3
-17.97
Face increase a year ago
43.9
EURIBOR 12 MONTHS
Loan of 25 thousand euros
paid
Variation
April 2023
128.86
April 2024
127.89
Face increase a year ago
-1.0
Loan of 50 thousand euros
paid
Variation
April 2023
257.53
April 2024
255.78
Face increase a year ago
-1.7
Loan of 75 thousand euros
paid
Variation
April 2023
386.59
April 2024
383.66
Face increase a year ago
-2.9
Loan of 100 thousand euros
paid
Variation
April 2023
515.46
April 2024
511.55
Face increase a year ago
-3.9
Loan of 125 thousand euros
paid
Variation
April 2023
644.32
April 2024
639.44
Face increase a year ago
-4.9
Loan of 150 thousand euros
paid
Variation
April 2023
773.19
April 2024
763.23
Face increase a year ago
-10.0
NOTE 1 | What are Euribor rates
Euribor is the abbreviation for Euro Interbank Offered Rate. Euribor rates are based on the interest rates that a set of European banks are willing to pay to lend money to each other. In the calculation, the highest and lowest 15% of all collected quotes are eliminated. The remaining rates are calculated as an average and rounded to three decimal places. The value of Euribor rates is determined and published daily. There are five different Euribor rates, all with different maturities (one week, one month, three months, six months and 12 months).
NOTE 2 | The ECB has three reference interest rates:
– The rate for main refinancing operations, under which banks can borrow from the ECB for a period of one week: is 4.50%, but was set at zero between March 2016 and July last year;
– The deposit rate, which determines the interest that banks receive on deposits made with the ECB: is 4%. But between July 2012 and June 2013 it was zero. And between June 2013 and July last year it was negative, forcing banks to pay for the deposits they made with the ECB;
– And the liquidity provision rate, which determines the interest that banks pay when they take out loans from the ECB for a period of one day (overnight). It is currently at 4.75%.