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The Bank of Spain has published the official reference interest rates for April 2026. These figures include the average rate for mortgage loans exceeding three years for the purchase of residential property in Spain (2.882%) and the average rate for housing loans between one and five years in the eurozone (3.360%), in accordance with the determination process set out in Annex 8 of Circular 5/2012.
For individuals with mortgages indexed to these rates, these values determine the evolution of their instalments or the application of new rates to housing loans. Credit institutions must use these official percentages to calculate reference interest rates in compliance with current regulations (Annex 8 of Circular 5/2012).
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