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Simulate your mortgage Code of Best Practices 2022 Payment account transfer service Become a customer Evolution of the Euribor Más Sabadell
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12-month Euribor

Find out the updated Euribor 

 Information about mortgages
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Evolution of the Euribor monthly historical rate

Check out the evolution of the Euribor over the last 12 months and look up its average monthly values for last year.
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2.398

2.407

2.525

2.436

2.506

2.691

2.936

3.166

3.526

3.650

3.680

3.703
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Frequently asked questions about the Euribor
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It's a rate that reflects the average interest rate at which a group of banks in the Eurozone lend one another money.

It is mainly used in financial contracts, especially in variable and mixed-rate mortgages.
  • 1-month Euribor
  • 3-month Euribor
  • 6-month Euribor
  • 12-month Euribor
    (most often used in mortgages)

The Euribor goes up when the European Central Bank raises interest rates to control inflation.

The Euribor goes down when the European Central Bank lowers interest rates to stimulate the economy.

Yes, there are other rates such as the LIBOR (used in international markets), the IRPH (an alternative in some Spanish mortgages) or the €STR (used for short-term operations in the Eurozone).
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Take out your mortgage in just 4 steps

Use our mortgages simulation and find out how much you would pay for yours.
Choose your offer and upload your documents to our 100% secure online mortgage portal.
Find out what your personalised monthly fee1 will be with our simulator and the help of our experts.

Once your application has been reviewed and approved, you will be able to sign the mortgage contract and the deed before a notary.
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Do you want to switch your mortgage?

If you already have a mortgage loan with another bank, you can switch your motgage and save on your instalments. Ask for a personalised study with an expert to help you find the solution that best suits you. Change bank mortgageChange bank mortgage
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We answer your most frequently asked questions

How much can my mortgage cover?
As a general rule, the mortgage can cover up to 80% of the purchase price or the valuation (the lesser of the two) for a first residence. The financing percentages tend to be lower for second homes.

How much should my monthly mortgage expense be?
The maximum debt-to-income ratio (mortgage, personal loan, etc.) should not exceed 35%.

What are the discounts and how can they benefit me?
At Banco Sabadell we offer some services (discounts) that help to lower your mortgage interest rate (APR). You can take out one or more, but the more services you take out, the lower your interest rate will be. The services that include discounts are: direct deposit of salary, taking out Life Insurance, Home Insurance and Payment Protection Insurance.

What documentation do I need to submit to apply for my mortgage?
  • Your national identity document (DNI/NIF).
  • Proof of other income, if you have it (rent, commissions, interest on accounts, overtime, etc.).
  • The last 2 bills of your regular payments indicating outstanding balances (mortgages, personal loans, credit cards, alimony and maintenance payments, rent payments, other debts, etc.).
  • Work history. You can request this through the Social Security website or by calling 901 502 050. If you are employed, submit your last income tax return and your last 2 payslips/pension receipts.
  • If you are self-employed, you will need the tax return for the last 2 years and the quarterly income tax and VAT payments for the current year.
  • If you are not a Banco Sabadell customer, we will need a bank statement for the last 6 months from your usual account (pay slips, main bills, etc.).
     

Glossary: NIR, APR and other mortgage-related concepts
 
  • APR (Annual Percentage Rate)
The total cost of the loan for the borrower, expressed as an annual percentage of the total amount of the loan granted, plus related costs, as appropriate, equivalent, on an annual basis, to the current value of all future and existing commitments, such as drawdowns, repayments and costs, agreed upon by the lender and the borrower.
  • NIR (Nominal Interest Rate)
The amount paid to obtain an amount of money as a loan (or received to lend it) expressed as a percentage of said amount.
  • Euribor
Interest rate applied by European banks when they lend money to each other. It is used as a benchmark figure for part of the interest rate for variable mortgages.
  • Valuation of the property
An expert determines the real value of the home you are going to buy.
  • Registry verification
The Property Registry checks the status of the property you are going to buy. This will confirm whether the property is free of charges such as mortgages and analyses the data on its situation, property and ownership.

Valuation of the property
An expert determines the real value of the home you are going to buy.

Registry verification
The Property Registry checks the status of the property you are going to buy. This will confirm whether the property is free of charges such as mortgages and analyses the data on its situation, property and ownership.

What steps are involved from the moment you choose your mortgage to the moment you sign it?
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Condiciones legales

1 The personalised price included in this assessment is neither binding nor a substitute for the European Standardised Information Sheet (ESIS).
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HomeMortgages Euribor