3-month Euribor – November 2024
The average 3-month Euribor for November 2024 is 3.007 %, computed from 21 daily fixings (complete). The month opened at 3.085 %, closed at 2.934 %, with a low of 2.898 % and a high of 3.085 %. Versus October 2024 the average is down -0.160 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 3-month Euribor plus 1 pp would pay 4.01 % 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 |
|---|---|---|
| 2.934 % | -0.005 pp | |
| 2.939 % | +0.027 pp | |
| 2.912 % | +0.014 pp | |
| 2.898 % | -0.087 pp | |
| 2.985 % | -0.037 pp | |
| 3.022 % | +0.017 pp | |
| 3.005 % | +0.005 pp | |
| 3.000 % | -0.013 pp | |
| 3.013 % | +0.009 pp | |
| 3.004 % | +0.006 pp | |
| 2.998 % | -0.007 pp | |
| 3.005 % | -0.018 pp | |
| 3.023 % | -0.011 pp | |
| 3.034 % | -0.006 pp | |
| 3.040 % | +0.008 pp | |
| 3.032 % | 0.000 pp | |
| 3.032 % | -0.017 pp | |
| 3.049 % | -0.008 pp | |
| 3.057 % | -0.018 pp | |
| 3.075 % | -0.010 pp | |
| 3.085 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for November 2024?
3.007 %, computed from 21 daily fixings. The ECB's official monthly average is 3.007 %.
My mortgage revises with the November average – what rate applies?
Reference 3.007 % plus your contractual spread; with a 1 pp spread the new rate is 4.01 %. 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