Overview
- November’s 12‑month Euribor average stands at 2.217%, up 0.030 points from October’s 2.187%, with the November 28 daily reading at 2.209%.
- Borrowers with annual resets see lower payments, saving about €22.29 per month on a typical €150,000, 25‑year loan at Euribor +1%, or roughly €267.45 over a year.
- Semiannual revisions face higher costs because June’s lower reference (2.081%) has rolled off, adding approximately €10.53 per month, or €63.15 per half‑year, on the same model loan.
- Analysts, including Roams’ Pablo Vega, say the index is holding in a narrow band that reduces month‑to‑month swings and improves predictability for households.
- The ECB kept policy rates at 2% in late October, helping anchor the benchmark, and market consensus has pointed to a year‑end deposit rate near 1.75%, indicating potential for a calmer 2026.