Real Estate BOE Importance: 4/10

Bank of Spain publishes reference rates for calculating compensation in early mortgage cancellations (July 2026)

07 Jul 2026 Effective: 07 Jul 2026 1 views
Who is affected:
Holders of fixed-rate mortgages or loans who wish to cancel them early

Summary

The Bank of Spain publishes the IRS indices for June 2026 to calculate the cost of early cancellation of a mortgage or loan. These rates determine the interest rate risk compensation that the bank may charge.

Detailed analysis PRO

The Bank of Spain publishes monthly IRS (Interest Rate Swap) rates that serve as a reference for calculating the market value in interest rate risk compensation for mortgage loans, in accordance with Circular 5/2012. For June 2026, the rates range from 2.798% at two years to 3.224% at twenty years, with a slight decrea…

PRO exclusive content

Implicaciones prácticas, plazos y recomendaciones específicas para tu sector.

Crear cuenta gratis Ver planes PRO

Full official title

Resolución de 1 de julio 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.

View original source (BOE)

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

PRO Plan

Alerts, detailed analysis and private Telegram channel.

From 9.99 EUR/month
Sponsored space
Sponsor the Real Estate category

Your brand in front of thousands of businesses and freelancers tracking the legal changes in your sector.

I want to sponsor it

Related regulations