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The Bank of Spain has published the indices and reference rates for September 2026 used to calculate the market value for interest rate risk compensation in mortgage loans (A) and the spread for early repayments (B). These values are based on Interest Rate Swaps (IRS) for various maturities, in accordance with the methodology set out in Bank of Spain Circular 5/2012 (Art. 1).
For financial institutions, these rates are the mandatory parameters for determining interest rate risk compensation in mortgages and the applicable spread for early repayments of loans or credits. For individuals, these indices determine the amount of compensation that the institution may charge or must pay during mortgage debt renegotiation or cancellation processes.
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