Latest news and stories about mortgage rates in finance in Portugal for expats and residents.
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Euribor rates for three, six, and 12 months fell this Wednesday as investors await new guidance from European Central Bank (ECB) President Christine Lagarde following Thursday's meeting. The six-month Euribor rate, which became the benchmark in January 2024...
The Euribor rate fell today for three, six, and 12 months compared to Tuesday.
The ECB monetary policy meeting is taking place this week in Frankfurt, Germany.
The Euribor rate fell this Tuesday at three months and rose again, for the fourth consecutive session, at six and 12 months compared to Monday. With these changes, the three-month rate, which fell to 2.148%, remained below the six-month (2.333%) and 12-month (2.547%) rates. The Euribor rate at...
The executive director of CM and CMTV says that we can do without some things, but the “home is a refuge” and the installments must be paid.
Inflationary spiral due to rising oil prices could lead the ECB to raise interest rates.
The Euribor rate fell sharply this Wednesday for three, six, and 12 months compared to Tuesday. With these changes, the three-month rate, which dropped to 2.122%, remained below the six-month (2.173%) and 12-month (2.369%) rates. The six-month Euribor rate, which in January went from...
The oil shock resulting from the war in Iran threatens to trigger a new surge in inflation. Consequently, markets are already anticipating interest rate hikes by the European Central Bank (ECB). With Euribor rates also trending in that direction, families will face an increase in their mortgage payments.
The Euribor rate rose this Tuesday for the three, six, and 12-month terms compared to Monday, with the longest term reaching its highest level since January 2025. With these changes, the three-month rate, which advanced to 2.138%, remained below the six-month (2.295%) and 12-month (2.552%) rates.
The Euribor rate rose today at three, six and 12 months compared to Monday, reaching its highest level since January 2025 for the longest term.
The rate also rose for three and six-month terms
Fernando Ulrich recalled that “there have never been 'spreads' as low” in mortgage credit as during the period between 2002 and 2013.
EURIBOR's recent stabilisation underlines the importance of looking beyond sensational headlines and focusing on what affects households day to day. The move gives many borrowers breathing space — repayments on a €150,000 loan due for review in February would shift to between €634 and €652 — yet longer-term pressures remain evident: the accumulated loss of purchasing power over 25 years has already exceeded 30 per cent. The paradox of global shocks and mortgage-rate dynamics shows why policymakers, markets and households must prioritise practical indicators that influence living standards.
Rate rises for the 3- and 6-month tenors but falls for the 12-month tenor.
In early February more than 30% of households with variable-rate mortgages will see repayments fall as contracts indexed to the 3‑ and 12‑month Euribor are re‑set lower. However, borrowers tied to the 6‑month Euribor face higher payments, producing a mixed outcome across the mortgage stock. The distribution of effects depends on contract type and review timing: short‑term indexers and recently re‑set trackers gain immediate relief and some boost to disposable income, while those on six‑month fixings — and borrowers nearing the end of introductory fixed deals — may experience pressure on household budgets. The divergence highlights how small shifts in short‑term money‑market rates can materially alter household cashflows, influence refinancing demand and sales in the property market, and shape borrower decisions about switching to longer fixed rates. Policy and money‑market expectations for Euribor through the year will determine whether the February moves are temporary relief or the start of a sustained trend.
Bank of Portugal data for November indicate that the six‑month Euribor accounted for 38.6% of the outstanding stock of loans for owner‑occupied permanent housing with variable rates.
The annual average interest rate implied in mortgage loan contracts was 3.414% in 2025, compared with 4.372% in the previous year, with the average annual instalment decreasing by eight euros (2.0%) to €396, the National Statistics Institute (INE) announced today.
Despite the reduction in rates, the average outstanding loan balance rose to €80,083 for home purchases.
The implicit interest rate across all mortgage contracts fell again in December, in line with the easing of the Euribor, and stood at 3.13%, according to data released on Wednesday by the National Institute of Statistics (INE). “The implicit interest rate on mortgages fell to 3.13%, a lower value by ...”
The Euribor rate fell this Monday at the three‑month tenor and rose at the six‑ and 12‑month tenors compared with Friday. With these changes, the three‑month rate, which dropped to 2.029%, remained below the six‑month (2.155%) and 12‑month (2.259%) rates. The six‑month Euribor rate, which in January ...
The Euribor rate remained at the three-month level this Wednesday and rose at the six- and 12-month terms compared with Tuesday. With these changes, the three-month rate, which stayed at 2.016%, remained below the six-month (2.146%) and 12-month (2.251%) rates. The six-month Euribor rate, which moved to ...
The Euribor rate fell on Tuesday at three months and rose at six and 12 months compared with Monday. With these changes, the three-month rate remained below the six- and 12-month rates. The six-month Euribor rate, which in January 2024 became the most ...
The monthly average of the Euribor in December rose by 0.006 percentage points to 2.048% at three months and by 0.008 percentage points to 2.139% at six months. At 12 months, the monthly average of the Euribor increased by 0.050 percentage points to 2.267%.
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