The Euribor rose to 2,267% in December, but fell in annual evolution, according to the Bank of Spain
It has reached its highest rate since March at the end of the year. However, the annual decline will make it possible to lower the variable mortgage rates that are reviewed annually,although\u00A0 more than in previous months.
Bank of Spain. Stock Photo: Europa Press
The one-year euro, the most widely used indicator in Spain for calculating variable mortgages , has stood at 2,267%in December2025 and has risen for the fifth consecutive month, although thelast twelve months has fallen 0.17 points from .
In December, the Eurybor has recorded the highest rate since March . However, the annual decline will reduce the share of variable mortgages reviewed annually, albeit in a lower way than in previous months.
If the average mortgage is around 150,000 euros, for 25 years, and has 1% interest on the Euribor, it will save about 150 euros a year, so that if you have a mortgage of 300,000 euros you can save 25 euros a month and about 300 euros a year.
However, mortgages reviewed every six months, although less frequently, will increase quotas forthe third consecutive month, since in June the average rate was lower than it is now, at 2.081%.
Experts predict that by 2026the Eurybor will stabilize between 2.25% and 2.50%, and will remain at current levels in the first months of the year, making variable mortgage quotas that will be reviewed annually for next spring significantly more expensive.
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