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The Bank of Spain has published the official reference interest rates for June 2026. These values, determined according to the process set out in Annex 8 of Circular 5/2012, include the average rate for mortgage loans with a term of more than three years for the purchase of non-regulated housing in Spain (3.049%) and the average rate for housing loans with a term of one to five years in the euro area (3.470%) (Annex 8 of Circular 5/2012).
For holders of variable-rate mortgage loans, these values serve as a reference for updating monthly instalments or reviewing contractual conditions as agreed. Credit institutions must use these official rates for the reference calculations required by regulations in the Spanish mortgage market.
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