Bank of Spain publishes reference rates for calculating compensation in early mortgage cancellations
13 May 2026Effective: 04 May 2026103 views
Who is affected:
Holders of mortgage loans and financial institutions managing early cancellations
Summary
The Bank of Spain updates the reference rates used to calculate what the bank or customer pays when canceling a mortgage early. These indices determine whether there is compensation for interest rate risk.
Detailed analysis
PRO
The Bank of Spain periodically publishes the indices and reference rates necessary to calculate the market value in compensation for interest rate risk in mortgage loans, in accordance with Ley 2/1994 and related regulations. These values are essential to determine whether, when canceling a mortgage early, the customer…
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Resolución de 4 de mayo de 2026, del Banco de España, por la que se publican los índices y tipos de referencia aplicables para el cálculo del valor de mercado en la compensación por riesgo de tipo de interés de los préstamos hipotecarios, así como para el cálculo del diferencial que se ha de aplicar para la obtención del valor de mercado de los préstamos o créditos que se cancelan anticipadamente.
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