12-month Euribor – July 2024
The average 12-month Euribor for July 2024 is 3.526 %, computed from 23 daily fixings (complete). The month opened at 3.567 %, closed at 3.390 %, with a low of 3.390 % and a high of 3.602 %. Versus June 2024 the average is down -0.124 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 4.53 % 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.
July 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.390 % | -0.016 pp | |
| 3.406 % | -0.019 pp | |
| 3.425 % | -0.001 pp | |
| 3.426 % | -0.055 pp | |
| 3.481 % | -0.047 pp | |
| 3.528 % | +0.020 pp | |
| 3.508 % | -0.003 pp | |
| 3.511 % | +0.009 pp | |
| 3.502 % | -0.001 pp | |
| 3.503 % | 0.000 pp | |
| 3.503 % | -0.003 pp | |
| 3.506 % | -0.016 pp | |
| 3.522 % | -0.042 pp | |
| 3.564 % | -0.031 pp | |
| 3.595 % | -0.007 pp | |
| 3.602 % | +0.009 pp | |
| 3.593 % | -0.006 pp | |
| 3.599 % | +0.011 pp | |
| 3.588 % | -0.004 pp | |
| 3.592 % | -0.004 pp | |
| 3.596 % | +0.007 pp | |
| 3.589 % | +0.022 pp | |
| 3.567 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for July 2024?
3.526 %, computed from 23 daily fixings. The ECB's official monthly average is 3.526 %.
My mortgage revises with the July average – what rate applies?
Reference 3.526 % plus your contractual spread; with a 1 pp spread the new rate is 4.53 %. 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