Bank of Spain publishes reference rates for early mortgage cancellations in October 2026
12 Nov 20261 views
Who is affected:
Fixed-rate mortgage holders, banking entities and financial advisors
Summary
The Bank of Spain publishes the IRS indices for October 2026 to calculate compensation in early cancellations of mortgage loans. These rates range from 3.115% at one year to 3.585% at fifteen years.
Detailed analysis
PRO
The resolution publishes the IRS (Interest Rate Swap) rates for October 2026 that financial entities must use to calculate market value in two scenarios: compensation for interest rate risk in mortgage loans and the differential applicable in early cancellations of loans or credits. The published rates range from 3.115…
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Resolución de 3 de noviembre 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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