12-month Euribor – November 2024
The average 12-month Euribor for November 2024 is 2.506 %, computed from 21 daily fixings (complete). The month opened at 2.629 %, closed at 2.461 %, with a low of 2.393 % and a high of 2.642 %. Versus October 2024 the average is down -0.186 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 3.51 % 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 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.461 % | -0.002 pp | |
| 2.463 % | +0.015 pp | |
| 2.448 % | +0.055 pp | |
| 2.393 % | -0.023 pp | |
| 2.416 % | -0.073 pp | |
| 2.489 % | -0.002 pp | |
| 2.491 % | +0.026 pp | |
| 2.465 % | +0.017 pp | |
| 2.448 % | +0.016 pp | |
| 2.432 % | -0.043 pp | |
| 2.475 % | -0.019 pp | |
| 2.494 % | -0.001 pp | |
| 2.495 % | -0.007 pp | |
| 2.502 % | -0.026 pp | |
| 2.528 % | -0.006 pp | |
| 2.534 % | -0.029 pp | |
| 2.563 % | -0.079 pp | |
| 2.642 % | +0.012 pp | |
| 2.630 % | +0.011 pp | |
| 2.619 % | -0.010 pp | |
| 2.629 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for November 2024?
2.506 %, computed from 21 daily fixings. The ECB's official monthly average is 2.506 %.
My mortgage revises with the November average – what rate applies?
Reference 2.506 % plus your contractual spread; with a 1 pp spread the new rate is 3.51 %. 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