3-month Euribor – July 2021
The average 3-month Euribor for July 2021 is -0.545 %, computed from 22 daily fixings (complete). The month opened at -0.540 %, closed at -0.544 %, with a low of -0.549 % and a high of -0.539 %. Versus June 2021 the average is down -0.002 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 3-month Euribor plus 1 pp would pay 0.46 % 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 2021
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| -0.544 % | 0.000 pp | |
| -0.544 % | +0.003 pp | |
| -0.547 % | -0.004 pp | |
| -0.543 % | +0.001 pp | |
| -0.544 % | 0.000 pp | |
| -0.544 % | +0.005 pp | |
| -0.549 % | -0.003 pp | |
| -0.546 % | -0.003 pp | |
| -0.543 % | +0.005 pp | |
| -0.548 % | 0.000 pp | |
| -0.548 % | 0.000 pp | |
| -0.548 % | -0.002 pp | |
| -0.546 % | 0.000 pp | |
| -0.546 % | -0.003 pp | |
| -0.543 % | 0.000 pp | |
| -0.543 % | +0.003 pp | |
| -0.546 % | +0.001 pp | |
| -0.547 % | -0.008 pp | |
| -0.539 % | +0.003 pp | |
| -0.542 % | +0.004 pp | |
| -0.546 % | -0.006 pp | |
| -0.540 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for July 2021?
-0.545 %, computed from 22 daily fixings. The ECB's official monthly average is -0.545 %.
My mortgage revises with the July average – what rate applies?
Reference -0.545 % plus your contractual spread; with a 1 pp spread the new rate is 0.46 %. 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