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BOE-A-2026-17994 ·20 August 2026 ·Resolution Low impact
Corporate

Bank of Spain: publication of July 2026 mortgage market reference interest rates

The Bank of Spain has published the official reference interest rates for July 2026. These figures include the average rate for mortgage loans exceeding three years for the purchase of non-social housing in Spain (3.077%) and the average rate for housing loans between one and five years in the eurozone (3.520%), in accordance with the determination process set out in Circular 5/2012 (Annex 8).

In 2 key points

  1. Average rate for non-social housing mortgages (>3 years) in Spain: 3.077% (julio de 2026 Tipos de referencia 1)
  2. Average rate for housing loans (1-5 years) in the eurozone: 3.520% (julio de 2026 Tipos de referencia 2)

Lifecycle

2026-08-20PublishedPublished 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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