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BOE-A-2026-1376 ·20 January 2026 ·Resolution Low impact
Administrative

Publication of official reference interest rates for the mortgage market for December 2025

The Bank of Spain has published the official reference interest rates for the mortgage market for December 2025. An average rate of 2.788% has been set for mortgage loans exceeding three years for the purchase of new housing granted in Spain, and an average rate of 3.350% for housing loans between one and five years within the euro area (Annex 8 of Bank of Spain Circular 5/2012).

In 2 key points

  1. Average rate for mortgage loans >3 years (new housing, Spain): 2.788% (punto 1)
  2. Average rate for housing loans 1-5 years (euro area): 3.350% (punto 2)

Lifecycle

2026-01-20PublishedPublished in the BOE
Official text Based on BOE data (boe.es). Information, not advice.

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This analysis is informational only and does not constitute legal advice or create a client-adviser relationship. BM Consulting.
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