Bank of Spain publishes reference rates for early mortgage cancellations in September 2026
12 Oct 2026Effective: 12 Oct 20261 views
Who is affected:
Holders of fixed-rate mortgages canceling early and financial institutions
Summary
The Bank of Spain publishes the IRS indices for September 2026 to calculate compensation in early cancellations of mortgage loans. The rates range from 3.129% at one year to 3.595% at fifteen years.
Detailed analysis
PRO
The Bank of Spain publishes monthly the IRS (Interest Rate Swap) rates necessary to calculate market value in two scenarios: compensation for interest rate risk in fixed-rate mortgage loans and the differential applicable in early cancellations of loans or credits. For September 2026, the one-year IRS stands at 3.129%,…
PRO exclusive content
Implicaciones prácticas, plazos y recomendaciones específicas para tu sector.
Resolución de 1 de octubre 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.
The Cadastre and the Bar Association of Terrassa will collaborate to facilitate cadastral declarations, electronic notifications and legal aid. A Cadastral Info...
Lawyers registered in Terrassa and their clients with cadastral procedures
The INE and the College of Registrars agree to share data on mortgages, property transfers and commercial companies to produce official statistics. The agreemen...
INE, Property and Commercial Registrars, companies with data in public registries
Spain, the UN and the Municipality of Castellón sign a collaboration agreement to improve human settlements. The agreement was formalized in Nairobi and Castell...
Municipality of Castellón, Spanish administration and bodies linked to UN-Habitat
The Cadastre and the Bar Association of Reus agree to collaborate to facilitate cadastral procedures for citizens. Lawyers will be able to consult cadastral dat...
Lawyers registered in Reus and citizens of Tarragona with cadastral procedures
The contest to fill 55 vacant positions in registers throughout Spain is resolved. The selected registrars are communicated to the Autonomous Communities for th...
Property, Commercial and Personal Property Registrars participating in the contest
The Generalitat de Cataluña resolves competition no. 325 by assigning six vacant property, commercial and personal property registers to specific registrars.
Property, commercial and personal property registrars who participated in the competition
