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The Bank of Spain has published the official reference interest rates for March 2026. These indices include the average rate for mortgage loans with a term of more than three years for the purchase of non-regulated housing in Spain (2.840%) and the average rate for housing loans with a term of one to five years in the eurozone (3.370%) (Annex 8 of Circular 5/2012).
For individuals with mortgages linked to reference indices, these figures serve as the basis for calculating monthly instalments or reviewing interest rates. For credit institutions, these percentages reflect the state of the Spanish and eurozone mortgage markets during March 2026.
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