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The Bank of Spain has published the official mortgage market reference interest rates for January 2026. An average rate of 2.762% has been established for mortgage loans with a term exceeding three years for the purchase of new housing granted in Spain (Annex 8 of Circular 5/2012). Additionally, the average rate for housing loans with a term between one and five years in the eurozone has been set at 3.370% (Annex 8 of Circular 5/2012).
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