The 12‑month EURIBOR, the official mortgage market reference rate, was 2.267% in December, a decline of 0.169 percentage points from the same month a year earlier. This figure is provided by the Bank of Spain. The rate remained almost unchanged, indicating stable mortgage conditions. The data was released on January 2, 2026. The decline reflects a gradual easing of borrowing costs over the past year. The Bank of Spain continues to monitor the EURIBOR as part of its oversight of the mortgage market. The EURIBOR is calculated by averaging rates of Eurozone banks offering euro‑denominated loans to other banks. A stable rate suggests predictability for home‑buyers and financial institutions alike. Analysts note that the slight drop aligns with broader trends of declining interest rates across the region. The Bank of Spain will continue to publish monthly updates to inform stakeholders of market movements.
© Banco de España 2009.
Summary adapted from material on the Banco de España website (https://www.bde.es ).
https://www.bde.es/wbe/en/noticias-eventos/actualidad-banco-espana/notas-banco-espana/el-euribor-se-situa-en-el-2267-en-diciembre.html
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