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The Bank of Spain has published the official reference interest rates for July 2026. The resolution details Euribor values for various terms, the interest rate based on €STR, and the one-year Mibor (Art. 1, 3 and 4). These rates are determined in accordance with the process set out in Annex 8 of Bank of Spain Circular 5/2012 (Note 1).
For mortgage holders, these values serve as the basis for calculating instalments or reviewing rates according to the reference index specified in their contract (Art. 1, 3 and 4). The one-year Mibor only retains its status as an official rate for mortgage loans formalised before 1 January 2000 (Note 2).
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