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Spain Published Loan Rates
Variable and mixed-rate mortgages remain common alongside fixed.
EUR Active Currency
Launch Calculator →
Lowest Published APR
3.15%
Best rate benchmark currently on record
Market Average APR
3.32%
Mean across tracked lending products
Available Products
63 Benchmarks
Fixed, variable & personal credit
Statutory System
Hipoteca a tipo fijo o variable referenciada al Euríbor
Verified statutory framework
Spain Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-22T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-21T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-20T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-19T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-18T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-18T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-17T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-16T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-15T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-14T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-13T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-12T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-11T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-10T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-09T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-07T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-06T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-05T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-04T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-03T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-03T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-02T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-10-01T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-28T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-27T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-27T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-26T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-25T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-24T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-23T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-22T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-21T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-20T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-19T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-18T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-18T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-17T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-16T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-15T00:00:00Z | Calculate → |
|
ES Variable Euribor+1% (Banco de España)
⚡ Live
Stub for BdE API: Euribor 12m
|
🏠 Mortgage | 25 Years (300 mo) | 3.25% | variable | 2026-09-15T00:00:00Z | Calculate → |
|
Spain Hipoteca Tipo Fijo 25Y Media
|
🏠 Mortgage | 25 Years (300 mo) | 3.15% | fixed | Active Benchmark | Calculate → |
|
Spain Hipoteca Variable Euribor+0.75%
|
🏠 Mortgage | 25 Years (300 mo) | 3.95% | variable | Active Benchmark | Calculate → |
|
Spain Préstamo Personal Barómetro
|
👤 Personal Loan | 5 Years (60 mo) | 6.95% | fixed | Active Benchmark | Calculate → |
🏛️
Spain Underwriting Guidelines
Statutory Borrowing Rule
Ley Hipotecaria 5/2019: 80% standard LTV limit, recommended 30%–35% DTI debt burden
Mortgage System
Hipoteca a tipo fijo o variable referenciada al Euríbor
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference