12-month Euribor – December 2024
The average 12-month Euribor for December 2024 is 2.436 %, computed from 20 daily fixings (complete). The month opened at 2.431 %, closed at 2.460 %, with a low of 2.348 % and a high of 2.484 %. Versus November 2024 the average is down -0.070 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in December on the 12-month Euribor plus 1 pp would pay 3.44 % 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.
December 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.460 % | +0.006 pp | |
| 2.454 % | -0.011 pp | |
| 2.465 % | -0.006 pp | |
| 2.471 % | +0.010 pp | |
| 2.461 % | -0.023 pp | |
| 2.484 % | +0.015 pp | |
| 2.469 % | -0.005 pp | |
| 2.474 % | 0.000 pp | |
| 2.474 % | +0.031 pp | |
| 2.443 % | +0.038 pp | |
| 2.405 % | -0.016 pp | |
| 2.421 % | -0.008 pp | |
| 2.429 % | -0.010 pp | |
| 2.439 % | -0.011 pp | |
| 2.450 % | +0.051 pp | |
| 2.399 % | +0.011 pp | |
| 2.388 % | +0.040 pp | |
| 2.348 % | -0.008 pp | |
| 2.356 % | -0.075 pp | |
| 2.431 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for December 2024?
2.436 %, computed from 20 daily fixings. The ECB's official monthly average is 2.436 %.
My mortgage revises with the December average – what rate applies?
Reference 2.436 % plus your contractual spread; with a 1 pp spread the new rate is 3.44 %. 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