6-month Euribor – November 2023
The average 6-month Euribor for November 2023 is 4.065 %, computed from 22 daily fixings (complete). The month opened at 4.081 %, closed at 4.029 %, with a low of 4.026 % and a high of 4.097 %. Versus October 2023 the average is down -0.050 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 6-month Euribor plus 1 pp would pay 5.06 % 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 2023
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 4.029 % | -0.021 pp | |
| 4.050 % | +0.024 pp | |
| 4.026 % | -0.024 pp | |
| 4.050 % | -0.024 pp | |
| 4.074 % | +0.012 pp | |
| 4.062 % | -0.001 pp | |
| 4.063 % | -0.007 pp | |
| 4.070 % | +0.012 pp | |
| 4.058 % | -0.006 pp | |
| 4.064 % | -0.007 pp | |
| 4.071 % | -0.005 pp | |
| 4.076 % | -0.021 pp | |
| 4.097 % | +0.012 pp | |
| 4.085 % | +0.011 pp | |
| 4.074 % | +0.019 pp | |
| 4.055 % | -0.011 pp | |
| 4.066 % | -0.006 pp | |
| 4.072 % | +0.006 pp | |
| 4.066 % | +0.004 pp | |
| 4.062 % | -0.010 pp | |
| 4.072 % | -0.009 pp | |
| 4.081 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for November 2023?
4.065 %, computed from 22 daily fixings. The ECB's official monthly average is 4.065 %.
My mortgage revises with the November average – what rate applies?
Reference 4.065 % plus your contractual spread; with a 1 pp spread the new rate is 5.06 %. 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