3-month Euribor – July 2022
The average 3-month Euribor for July 2022 is 0.037 %, computed from 21 daily fixings (complete). The month opened at -0.176 %, closed at 0.232 %, with a low of -0.176 % and a high of 0.267 %. Versus June 2022 the average is up +0.276 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 1.04 % 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 2022
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 0.232 % | -0.035 pp | |
| 0.267 % | +0.029 pp | |
| 0.238 % | +0.026 pp | |
| 0.212 % | -0.021 pp | |
| 0.233 % | +0.033 pp | |
| 0.200 % | +0.055 pp | |
| 0.145 % | +0.020 pp | |
| 0.125 % | +0.083 pp | |
| 0.042 % | -0.005 pp | |
| 0.047 % | -0.025 pp | |
| 0.072 % | +0.070 pp | |
| 0.002 % | +0.054 pp | |
| -0.052 % | +0.006 pp | |
| -0.058 % | +0.012 pp | |
| -0.070 % | +0.017 pp | |
| -0.087 % | +0.054 pp | |
| -0.141 % | +0.011 pp | |
| -0.152 % | -0.007 pp | |
| -0.145 % | +0.020 pp | |
| -0.165 % | +0.011 pp | |
| -0.176 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for July 2022?
0.037 %, computed from 21 daily fixings. The ECB's official monthly average is 0.037 %.
My mortgage revises with the July average – what rate applies?
Reference 0.037 % plus your contractual spread; with a 1 pp spread the new rate is 1.04 %. 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