Real Estate BOE Importance: 4/10

Bank of Spain publishes official mortgage interest rates for July 2026

20 Aug 2026 Effective: 20 Aug 2026 211 views
Who is affected:
Holders of variable-rate mortgages and financial entities with referenced loans

Summary

The Bank of Spain publishes mortgage reference indices for July 2026. The average rate for free housing over three years stands at 3.077%.

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The Bank of Spain publishes these official reference rates monthly, which serve as the basis for calculating revisions of variable-rate mortgages. In July 2026, the average rate for mortgage loans over three years for free housing in Spain stands at 3.077%, while the average rate for housing loans between one and five …

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Full official title

Resolución de 19 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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