6-month Euribor – July 2022
The average 6-month Euribor for July 2022 is 0.466 %, computed from 21 daily fixings (complete). The month opened at 0.238 %, closed at 0.653 %, with a low of 0.226 % and a high of 0.706 %. Versus June 2022 the average is up +0.305 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 6-month Euribor plus 1 pp would pay 1.47 % 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 |
|---|---|---|
| 0.653 % | -0.007 pp | |
| 0.660 % | +0.029 pp | |
| 0.631 % | +0.008 pp | |
| 0.623 % | -0.010 pp | |
| 0.633 % | -0.073 pp | |
| 0.706 % | +0.074 pp | |
| 0.632 % | -0.003 pp | |
| 0.635 % | +0.101 pp | |
| 0.534 % | +0.031 pp | |
| 0.503 % | -0.029 pp | |
| 0.532 % | +0.084 pp | |
| 0.448 % | +0.085 pp | |
| 0.363 % | -0.016 pp | |
| 0.379 % | +0.014 pp | |
| 0.365 % | +0.043 pp | |
| 0.322 % | +0.084 pp | |
| 0.238 % | +0.012 pp | |
| 0.226 % | -0.008 pp | |
| 0.234 % | -0.007 pp | |
| 0.241 % | +0.003 pp | |
| 0.238 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for July 2022?
0.466 %, computed from 21 daily fixings. The ECB's official monthly average is 0.466 %.
My mortgage revises with the July average – what rate applies?
Reference 0.466 % plus your contractual spread; with a 1 pp spread the new rate is 1.47 %. 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