12-month Euribor – July 2022
The average 12-month Euribor for July 2022 is 0.992 %, computed from 21 daily fixings (complete). The month opened at 0.961 %, closed at 0.921 %, with a low of 0.821 % and a high of 1.200 %. Versus June 2022 the average is up +0.139 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in July on the 12-month Euribor plus 1 pp would pay 1.99 % for the coming period.
Every number on this page is an official published fixing, not an estimate: daily values are the Euribor fixings as published in the ECB / Eurosystem's official statistics, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are refreshed every 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.
July 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 0.921 % | -0.123 pp | |
| 1.044 % | +0.031 pp | |
| 1.013 % | -0.020 pp | |
| 1.033 % | -0.007 pp | |
| 1.040 % | -0.160 pp | |
| 1.200 % | +0.058 pp | |
| 1.142 % | -0.022 pp | |
| 1.164 % | +0.112 pp | |
| 1.052 % | +0.037 pp | |
| 1.015 % | -0.042 pp | |
| 1.057 % | +0.105 pp | |
| 0.952 % | +0.087 pp | |
| 0.865 % | -0.061 pp | |
| 0.926 % | -0.043 pp | |
| 0.969 % | -0.003 pp | |
| 0.972 % | +0.151 pp | |
| 0.821 % | -0.018 pp | |
| 0.839 % | -0.100 pp | |
| 0.939 % | +0.042 pp | |
| 0.897 % | -0.064 pp | |
| 0.961 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for July 2022?
0.992 %, computed from 21 daily fixings. The ECB's official monthly average is 0.992 %.
My mortgage revises with the July average – what rate applies?
Reference 0.992 % plus your contractual spread; with a 1 pp spread the new rate is 1.99 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 07/09/2026