6-month Euribor – December 2023
The average 6-month Euribor for December 2023 is 3.927 %, computed from 19 daily fixings (complete). The month opened at 4.004 %, closed at 3.861 %, with a low of 3.861 % and a high of 4.004 %. Versus November 2023 the average is down -0.138 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in December on the 6-month Euribor plus 1 pp would pay 4.93 % 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.
December 2023
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.861 % | -0.016 pp | |
| 3.877 % | -0.008 pp | |
| 3.885 % | -0.010 pp | |
| 3.895 % | -0.004 pp | |
| 3.899 % | -0.025 pp | |
| 3.924 % | +0.002 pp | |
| 3.922 % | +0.018 pp | |
| 3.904 % | -0.008 pp | |
| 3.912 % | -0.026 pp | |
| 3.938 % | -0.007 pp | |
| 3.945 % | -0.015 pp | |
| 3.960 % | +0.005 pp | |
| 3.955 % | +0.020 pp | |
| 3.935 % | -0.013 pp | |
| 3.948 % | -0.002 pp | |
| 3.950 % | -0.003 pp | |
| 3.953 % | +0.008 pp | |
| 3.945 % | -0.059 pp | |
| 4.004 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for December 2023?
3.927 %, computed from 19 daily fixings. The ECB's official monthly average is 3.927 %.
My mortgage revises with the December average – what rate applies?
Reference 3.927 % plus your contractual spread; with a 1 pp spread the new rate is 4.93 %. 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