Housing payments can decrease by more than 100€ in April.

Home installments with a decrease that can exceed 100€ in the month of April.

The monthly payment for those with a variable rate home loan is set to decrease in April, reflecting the drop in Euribor rates. For contracts tied to the 12-month Euribor, the reduction will be 114.52 euros, according to a simulation by DECO PROteste/Contas e Direitos shared on Notícias ao Minuto.

The simulations were based on a credit of 150,000 euros for 30 years and a spread of 1%. Thus, a contract indexed to the 12-month Euribor will see the installment decrease to 665.06 euros, 114.52 euros less than the amount paid since April last year.

For loans linked to the 6-month Euribor, the new installment will be 663.97 euros, a reduction of 74.64 euros compared to the amount paid since September. Those with a loan linked to the 3-month Euribor will see the installment decrease to 668.72 euros, a reduction of 32.35 euros compared to the last revision in January.

The decrease in installments has been progressive since the beginning of 2024, following the reduction in interest rates by the European Central Bank (ECB). At its last meeting on March 6th, the ECB cut rates by 25 basis points, marking the sixth reduction since the beginning of this cycle.

The biggest drop occurs in contracts indexed to the 12-month Euribor, as the revision only happens once a year, reflecting the cumulative impact of interest rate cuts.

Despite this reduction, the installment amounts remain above those recorded before the ECB started raising interest rates to curb inflation in July 2022. In February 2022, for example, a loan indexed to the six-month Euribor had an installment of 447.01 euros, and one to three months was around 444.85 euros.

The review of the installments is based on the average of the Euribor from the month prior to the contract renewal. For the calculations in April, the averages of March 2025 were considered: 2.385% for six months, 2.442% for three months, and 2.398% for twelve months.

Read more: What impact have the drops in Euribor had on home installments?

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