12-month Euribor – January 2021
The average 12-month Euribor for January 2021 is -0.504 %, computed from 21 daily fixings (complete). The month opened at -0.499 %, closed at -0.512 %, with a low of -0.513 % and a high of -0.493 %. Versus December 2020 the average is down -0.008 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in January on the 12-month Euribor plus 1 pp would pay 0.50 % for the coming period.
Every number on this page is a published fixing, not an estimate: daily values come from the Bank of Finland's copy of the Euribor series, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are rebuilt each business day after the previous day's fixing appears. Tenors use the ACT/360 convention. Where a monthly average differs from the ECB figure by more than a hundredth of a point the methodology page lists the case.
What does it mean for a mortgage?
Annuity formula; assumes the rate applies for the whole remaining term. Your bank may round or use a different convention.
January 2021
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| -0.512 % | +0.001 pp | |
| -0.513 % | -0.008 pp | |
| -0.505 % | -0.001 pp | |
| -0.504 % | -0.011 pp | |
| -0.493 % | +0.005 pp | |
| -0.498 % | +0.007 pp | |
| -0.505 % | +0.001 pp | |
| -0.506 % | -0.004 pp | |
| -0.502 % | +0.001 pp | |
| -0.503 % | +0.005 pp | |
| -0.508 % | -0.003 pp | |
| -0.505 % | -0.007 pp | |
| -0.498 % | +0.008 pp | |
| -0.506 % | -0.003 pp | |
| -0.503 % | +0.007 pp | |
| -0.510 % | -0.001 pp | |
| -0.509 % | 0.000 pp | |
| -0.509 % | -0.006 pp | |
| -0.503 % | -0.001 pp | |
| -0.502 % | -0.003 pp | |
| -0.499 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for January 2021?
-0.504 %, computed from 21 daily fixings. The ECB's official monthly average is -0.505 %.
My mortgage revises with the January average – what rate applies?
Reference -0.504 % plus your contractual spread; with a 1 pp spread the new rate is 0.50 %. Check whether your contract uses the previous month or the month before that.
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. 07/09/2026