6-month Euribor – July 2024
The average 6-month Euribor for July 2024 is 3.644 %, computed from 23 daily fixings (complete). The month opened at 3.678 %, closed at 3.579 %, with a low of 3.579 % and a high of 3.683 %. Versus June 2024 the average is down -0.071 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 4.64 % 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 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.579 % | -0.006 pp | |
| 3.585 % | -0.005 pp | |
| 3.590 % | -0.001 pp | |
| 3.591 % | -0.028 pp | |
| 3.619 % | -0.033 pp | |
| 3.652 % | +0.010 pp | |
| 3.642 % | +0.001 pp | |
| 3.641 % | +0.008 pp | |
| 3.633 % | +0.009 pp | |
| 3.624 % | +0.004 pp | |
| 3.620 % | -0.014 pp | |
| 3.634 % | -0.001 pp | |
| 3.635 % | -0.027 pp | |
| 3.662 % | -0.014 pp | |
| 3.676 % | -0.007 pp | |
| 3.683 % | +0.015 pp | |
| 3.668 % | -0.007 pp | |
| 3.675 % | -0.003 pp | |
| 3.678 % | -0.005 pp | |
| 3.683 % | +0.005 pp | |
| 3.678 % | +0.002 pp | |
| 3.676 % | -0.002 pp | |
| 3.678 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for July 2024?
3.644 %, computed from 23 daily fixings. The ECB's official monthly average is 3.644 %.
My mortgage revises with the July average – what rate applies?
Reference 3.644 % plus your contractual spread; with a 1 pp spread the new rate is 4.64 %. 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