Real Estate BOE Importance: 3/10

Bank of Spain publishes reference mortgage interest rates for August 2026

18 Sep 2026 Effective: 18 Sep 2026 120 views
Who is affected:
Holders of mortgages referenced to official rates of the Bank of Spain

Summary

The Bank of Spain publishes official mortgage indices for August 2026. The average rate for free housing exceeds 3.13% and the European rate 3.57%.

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The Bank of Spain publishes monthly official reference interest rates for the mortgage market in accordance with Circular 5/2012. For August 2026, the average rate for mortgage loans over three years for free housing in Spain stands at 3.134%, while the average rate for housing loans between one and five years in the e…

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Full official title

Resolución de 17 de septiembre de 2026, del Banco de España, por la que se publican determinados tipos de interés oficiales de referencia del mercado hipotecario.

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