12-month Euribor – November 2021
The average 12-month Euribor for November 2021 is -0.487 %, computed from 21 daily fixings (complete). The month opened at -0.443 %, closed at -0.505 %, with a low of -0.505 % and a high of -0.443 %. Versus October 2021 the average is down -0.011 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in November on the 12-month Euribor plus 1 pp would pay 0.51 % 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.
November 2021
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| -0.505 % | -0.001 pp | |
| -0.504 % | -0.010 pp | |
| -0.494 % | +0.004 pp | |
| -0.498 % | -0.007 pp | |
| -0.491 % | 0.000 pp | |
| -0.491 % | +0.004 pp | |
| -0.495 % | -0.005 pp | |
| -0.490 % | -0.002 pp | |
| -0.488 % | +0.001 pp | |
| -0.489 % | -0.005 pp | |
| -0.484 % | -0.011 pp | |
| -0.473 % | +0.005 pp | |
| -0.478 % | +0.018 pp | |
| -0.496 % | +0.002 pp | |
| -0.498 % | +0.003 pp | |
| -0.501 % | -0.006 pp | |
| -0.495 % | -0.017 pp | |
| -0.478 % | +0.004 pp | |
| -0.482 % | -0.021 pp | |
| -0.461 % | -0.018 pp | |
| -0.443 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for November 2021?
-0.487 %, computed from 21 daily fixings. The ECB's official monthly average is -0.487 %.
My mortgage revises with the November average – what rate applies?
Reference -0.487 % plus your contractual spread; with a 1 pp spread the new rate is 0.51 %. 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