Bank of Spain publishes reference rates for early mortgage cancellation in July 2026
11 Aug 2026Effective: 11 Aug 202655 views
Who is affected:
Holders of fixed-rate mortgage loans who wish to cancel early
Summary
The Bank of Spain publishes the IRS indices for July 2026 to calculate compensation in early cancellations of mortgage loans. The rates range from 2.718% at one year to 3.315% at twenty years.
Detailed analysis
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The Bank of Spain publishes monthly IRS (Interest Rate Swap) rates that serve as a reference for calculating market value in compensation for interest rate risk in fixed-rate mortgage loans. For July 2026, the rates range from 2.909% at two years to 3.248% at thirty years, with a maximum of 3.315% at twenty years. Thes…
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Implicaciones prácticas, plazos y recomendaciones específicas para tu sector.
Resolución de 3 de agosto 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.
El Banco de España publica los índices de referencia hipotecarios de julio de 2026. El tipo medio para vivienda libre a más de tres años se sitúa en el 3,077%.
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