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The Bank of Spain has published the indices and reference rates for February 2026 to calculate the market value for interest rate risk compensation in mortgage loans (Art. 1.A). It also establishes the rate required to calculate the differential in loans or credits subject to early repayment (Art. 1.B). These indices follow 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 for calculating the differential in early loan repayments (Art. 1.A and 1.B). For individuals, these indices determine the calculation of compensation or economic adjustments they must receive or pay when making changes to contractual terms or repaying debt early.
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