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The Bank of Spain has published the official reference interest rates for August 2026. An average rate of 3.134% has been set for mortgage loans exceeding three years for the purchase of non-subsidised housing in Spain, and an average rate of 3.570% for housing loans between one and five years within the euro area (Annex 8 of Bank of Spain Circular 5/2012).
For individuals with mortgages linked to official reference rates, these values will determine the adjustment of their instalments or the application of new rates to newly granted loans. Credit institutions must use these percentages to calculate interest in accordance with the methodology set out in Bank of Spain Circular 5/2012.
The tax team reviews your specific situation.
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