{"article":{"annotation":{"article_id":"portugal-mortgage-interest-rate-rises-september-2026","available_at":"2026-10-21T11:12:05.988275Z","geography_revision":"ef6ee0010dda5fe7b240fd514749b43e214c57da73222d2e40ec83b276dd0977","id":"5c62f0f36b6acf3836d65fca5fef8d1102d1479d63990f480967c6901f7d7632","input_sha256":"2e1a3582817579dc5b4067481a62b0f9427a85472d27bf988a59e26dc850fffb","limitations":["Rule-derived subjects are candidates, not verified editorial labels or calibrated model probabilities.","Coverage is distinct from event location. Unknown country/city/coordinates remain absent; no automatic geocoding.","Article geometries keep their stated precision and methodology; reproducing them is not independent coordinate verification."],"method":"controlled-rules-v1","places":[{"admin1":null,"city":null,"coordinate_note":null,"coordinate_reference_system":"OGC:CRS84","coordinate_source":null,"country":"PT","evidence":[{"field":"country","language":"en","note":"Explicit preserved editorial country/region; no city or national centroid inferred","source_urls":["https://www.ine.pt/xportal/xmain?xpid=INE&xpgid=ine_destaques&DESTAQUESdest_boui=770292518&DESTAQUESmodo=2&xlang=pt"]}],"geometry":null,"id":"iso3166-1:PT","kind":"country-or-area","labels":{"ar":"البرتغال","en":"Portugal","es":"Portugal","fr":"Portugal"},"match_status":"candidate","precision":"regional","role":"coverage","uncertainty_m":null}],"rules_sha256":"fb5ad3c27c91cb840f7a0a05f7f64a5cb26ad0374409ff9457f277c7092e22b4","schema_version":1,"subjects":[{"concept_id":"medtop:20000371","confidence":null,"confidence_method":null,"evidence":[{"field":"en.title+en.summary","language":"en","note":"Subject suggested from the title or summary: interest rate, basis points","source_urls":["https://www.ine.pt/xportal/xmain?xpid=INE&xpgid=ine_destaques&DESTAQUESdest_boui=770292518&DESTAQUESmodo=2&xlang=pt"]}],"method":"controlled-rules-v1","rule_id":"interest-rates","status":"candidate"}],"taxonomy_revision":"1f2db31d811fca07e99b16d402c10e2cc2965c9df1c7b41d9be348b40a24e7fb","taxonomy_version":"IPTC Media Topics 2026-Q2"},"api_url":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026?lang=en","category":"economy","content":{"key_points":[],"paragraphs":["The average implicit interest rate on Portuguese home loans rose to 3.194% in September 2026, an increase of 3.2 basis points from the previous month, Statistics Portugal reported on 21 October. For contracts signed in the latest three months, the rate increased from 2.910% in August to 2.959%.","The average monthly mortgage payment was €423, up €5 from August and €30 from September 2025. Interest again accounted for more than half of the average payment, at 50.4%.","For loans contracted in the latest three months, the average payment rose to €757, 13.7% higher than a year earlier. The average outstanding principal across all home loans increased by €655 to €80,843."],"sections":[]},"corrections":[],"country":"PT","data":{"blocks":[{"columns":[{"key":"indicator","label":{"ar":"المؤشر","de":"Kennzahl","en":"Indicator","es":"Indicador","fr":"Indicateur","pt":"Indicador","tr":"Gösterge"},"language":"en","type":"text"},{"key":"value","label":{"ar":"القيمة بالنسبة المئوية","de":"Prozentwert","en":"Percent value","es":"Valor porcentual","fr":"Valeur en pourcentage","pt":"Valor percentual","tr":"Yüzde değer"},"type":"number","unit":"percent"}],"description":{"ar":"البرتغال، سبتمبر 2026؛ قيم الهيئة الإحصائية","de":"Portugal, September 2026; von INE gemeldete Werte","en":"Portugal, September 2026; figures reported by INE","es":"Portugal, septiembre de 2026; cifras del INE","fr":"Portugal, septembre 2026 ; chiffres publiés par l’INE","pt":"Portugal, setembro de 2026; valores divulgados pelo INE","tr":"Portekiz, Eylül 2026; INE tarafından yayımlanan değerler"},"id":"release-data","methodology":{"ar":"نُقلت المؤشرات والتغيرات الشهرية والسنوية عن الهيئة دون تحويل الوحدات.","de":"Kennzahlen und Monats- sowie Jahresveränderungen aus der INE-Veröffentlichung; keine Umrechnung der Einheiten.","en":"Indicators and monthly and annual changes reproduced from INE; no unit conversions were made.","es":"Indicadores y variaciones mensuales e interanuales tomados del INE; no se convirtieron unidades.","fr":"Indicateurs et variations mensuelles et annuelles repris de l’INE ; aucune conversion d’unité.","pt":"Indicadores e variações mensais e homólogas reproduzidos do INE; não houve conversão de unidades.","tr":"Göstergeler ve aylık ve yıllık değişimler INE’den aktarılmıştır; birimler dönüştürülmemiştir."},"rowTranslations":[{"indicator":{"ar":"متوسط سعر الفائدة الضمني، جميع العقود","de":"Durchschnittlicher impliziter Zinssatz, alle Verträge","en":"Average implicit interest rate, all contracts","es":"Tipo de interés implícito medio, todos los contratos","fr":"Taux d’intérêt implicite moyen, tous contrats","pt":"Taxa de juro implícita média, todos os contratos","tr":"Tüm sözleşmelerde ortalama örtük faiz oranı"}},{"indicator":{"ar":"سعر الفائدة الضمني، عقود الأشهر الثلاثة الأخيرة","de":"Impliziter Zinssatz, Verträge der letzten drei Monate","en":"Implicit rate, contracts from latest three months","es":"Tipo implícito, contratos de los tres últimos meses","fr":"Taux implicite, contrats des trois derniers mois","pt":"Taxa implícita, contratos dos três meses mais recentes","tr":"Son üç aydaki sözleşmelerin örtük faiz oranı"}},{"indicator":{"ar":"حصة الفائدة من القسط المتوسط","de":"Zinsanteil an der Durchschnittsrate","en":"Interest share of average payment","es":"Parte de intereses en la cuota media","fr":"Part des intérêts dans la mensualité moyenne","pt":"Parcela dos juros na prestação média","tr":"Ortalama taksit içindeki faiz payı"}},{"indicator":{"ar":"التغير السنوي في متوسط قسط العقود الحديثة","de":"Jahresveränderung der Durchschnittsrate jüngerer Verträge","en":"Year-on-year change in average payment for recent contracts","es":"Variación interanual de la cuota media de contratos recientes","fr":"Variation annuelle de la mensualité moyenne des contrats récents","pt":"Variação homóloga da prestação média dos contratos recentes","tr":"Yeni sözleşmelerin ortalama taksitinde yıllık değişim"}}],"rows":[{"indicator":"Average implicit interest rate, all contracts","value":3.194},{"indicator":"Implicit rate, contracts from latest three months","value":2.959},{"indicator":"Interest share of average payment","value":50.4},{"indicator":"Year-on-year change in average payment for recent contracts","value":13.7}],"sourceUrls":["https://www.ine.pt/xportal/xmain?xpid=INE&xpgid=ine_destaques&DESTAQUESdest_boui=770292518&DESTAQUESmodo=2&xlang=pt"],"title":{"ar":"القروض السكنية","de":"Wohnungsbaukredite","en":"Mortgage credit","es":"Crédito hipotecario","fr":"Crédit immobilier","pt":"Crédito à habitação","tr":"Konut kredileri"},"type":"table","updatedAt":"2026-10-21T11:01:05Z"}],"version":1},"data_downloads":[{"formats":{"csv":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026/data/release-data?lang=en&format=csv","json":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026/data/release-data?lang=en&format=json"},"id":"release-data"}],"data_types":["table"],"editorial_illustration":{"alt":"Conceptual illustration of the global economy and trade 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illustration of the global economy and trade 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Portugal (INE)","publishedAt":"2026-10-21","url":"https://www.ine.pt/xportal/xmain?xpid=INE&xpgid=ine_destaques&DESTAQUESdest_boui=770292518&DESTAQUESmodo=2&xlang=pt"}],"summary":"The average implicit interest rate on Portuguese home loans rose to 3.194% in September 2026, an increase of 3.2 basis points from the previous month, Statistics Portugal reported on 21 October. For contracts signed in the latest three months, the rate increased from 2.910% in August to 2.959%.","text":"The average implicit interest rate on Portuguese home loans rose to 3.194% in September 2026, an increase of 3.2 basis points from the previous month, Statistics Portugal reported on 21 October. For contracts signed in the latest three months, the rate increased from 2.910% in August to 2.959%.\n\nThe average implicit interest rate on Portuguese home loans rose to 3.194% in September 2026, an increase of 3.2 basis points from the previous month, Statistics Portugal reported on 21 October. For contracts signed in the latest three months, the rate increased from 2.910% in August to 2.959%.\n\nThe average monthly mortgage payment was €423, up €5 from August and €30 from September 2025. Interest again accounted for more than half of the average payment, at 50.4%.\n\nFor loans contracted in the latest three months, the average payment rose to €757, 13.7% higher than a year earlier. The average outstanding principal across all home loans increased by €655 to €80,843.","title":"Portugal’s mortgage interest rate rises to 3.194% in September","topics":[],"translations":[{"api_url":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026?lang=tr","language":"tr","url":"https://newsverum.com/tr/news/portugal-mortgage-interest-rate-rises-september-2026"},{"api_url":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026?lang=en","language":"en","url":"https://newsverum.com/en/news/portugal-mortgage-interest-rate-rises-september-2026"},{"api_url":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026?lang=ar","language":"ar","url":"https://newsverum.com/ar/news/portugal-mortgage-interest-rate-rises-september-2026"},{"api_url":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026?lang=fr","language":"fr","url":"https://newsverum.com/fr/news/portugal-mortgage-interest-rate-rises-september-2026"},{"api_url":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026?lang=es","language":"es","url":"https://newsverum.com/es/news/portugal-mortgage-interest-rate-rises-september-2026"},{"api_url":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026?lang=de","language":"de","url":"https://newsverum.com/de/news/portugal-mortgage-interest-rate-rises-september-2026"},{"api_url":"https://newsverum.com/api/v1/articles/portugal-mortgage-interest-rate-rises-september-2026?lang=pt","language":"pt","url":"https://newsverum.com/pt/news/portugal-mortgage-interest-rate-rises-september-2026"}],"url":"https://newsverum.com/en/news/portugal-mortgage-interest-rate-rises-september-2026"},"version":"1"}