Real Estate BOE Importance: 6/10

Bank of Spain publishes official mortgage interest rates for July 2026

04 Aug 2026 Effective: 04 Aug 2026 11 views
Who is affected:
Holders of variable-rate mortgages referenced to Euribor or Mibor

Summary

The Bank of Spain publishes official interest rates for July 2026. The one-year Euribor stands at 2.855%.

Detailed analysis PRO

The Bank of Spain publishes monthly official reference interest rates for the mortgage market in accordance with Circular 5/2012. In July 2026, the one-year Euribor stands at 2.855%, the same value as Mibor. The five-year IRS reaches 2.957%, while the one-year €STR remains at 1.979%, notably lower than Euribor. These i…

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Full official title

Resolución de 3 de agosto 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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Affected sectors

Self-employed SMEs Construction

Categories

Tax & Revenue Labour & Employment Corporate & Business Data Protection Social Security European Regulations Grants & Subsidies Other Regulations Public Sector Education Energy Agriculture & Fisheries Real Estate

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