El 12-month Euribor Today it registered a slight movement within the range of recent sessions. With a reading that consolidates the stabilization seen in the fall, the indicator remains very close to the 2,20% level that markets are watching closely.
In today's session, Friday November 7The Euribor stands at 2,212%, a variation of +0,001 points compared to yesterday's value. This trajectory confirms a trend of slight oscillations without any significant incidents.
Euribor today: daily data and immediate trend
Today's daily figure is 2,212%., barely one thousandth above the previous close ( 2,211%.With the first few days of the month counted, the provisional average for November It advances to 2,208%, consistent with the recent behavior of the indicator.
This has been the sequence of the last sessions (daily rate):
- 07/11/2025: 2,212%
- 06/11/2025: 2,211%
- 05/11/2025: 2,212%
- 04/11/2025: 2,206%
- 03/11/2025: 2,199%
- 31/10/2025: 2,196%
- 30/10/2025: 2,186%
With this series, the Euribor moves in a narrow fork between 2,19% and 2,21% at the start of November, suggesting a stretch of stability short term.
Evolution by month: from the beginning of the year to November
After the consecutive declines since the beginning of the year and the slight rebound in autumn, the progressive normalization It is set in 2025, reflecting a recovery from the peaks of the previous cycle.
Recent monthly averages of the 12-month Euribor (the euro area):
- November 2025 (provisional): 2,208%.
- October 2025: 2,187%
- September 2025: 2,172%
- August 2025: 2,114%
- July 2025: 2,079%
- June 2025: 2,081%
- May 2025: 2,081%
- April 2025: 2,143%
- March 2025: 2,398%
- February 2025: 2,407%
- January 2025: 2,525%
- December 2024: 2,436%
- November 2024: 2,506%
The year-on-year difference compared to November of 2024 round the -0,30 pointsThis relief translates into lower reference interest rates for loans indexed to the Euribor.
How it affects your mortgage in Spain
It is worth closely following the upcoming decisions of ECB monetary policy and the evolution of inflation in the eurozone, factors that are usually reflected in the Euribor with some advance notice.
What is the Euribor and how is it calculated?
El Euribor (Euro Interbank Offered Rate) It reflects the average interest rate at which a panel of European banks lend money to each other in the interbank market. dominant reference for variable-rate mortgages in Spain.
It is published from Monday to Friday, around 11:00, and its use as a benchmark index extends to loans and other financial products. In Spain, the official value is also published in the State official newsletter.
Its evolution is conditioned by the macroeconomic environment and by interest rate expectations of ECBTherefore, episodes of inflation or changes in the path of interest rates are usually reflected quickly in the indicator.
With the latest data on the table, the Euribor remains anchored near the 2,20%.This paints a picture of a transitional phase following the year's declines and the slight rebounds in the fall. For households and businesses, this implies a scenario of some stability In the short term, we await further signals from the monetary cycle.
