Interest rates. Legal and mortgage loan interest

Interest rates. Legal interest and mortgage loan Catalonia. 2024
	Value	Variation (%)
Legal interest rates
Legal interest	3.25	0.00
On arrears	4.06	0.00
Mortgage loan
EURIBOR	3.274	-15.291
Housing loans
Banks	.. Confidential data, low reliability or not available	.. Confidential data, low reliability or not available
Savings banks	.. Confidential data, low reliability or not available	.. Confidential data, low reliability or not available
Both	3.665	-8.076
Public debt	2.938	-2.001
Source: Bank of Spain.
Notes:
On arrears: Legal interest rate for late payment for tax purposes.
EURIBOR: At one year.
Housing loans: At more than 3 years.
Public debt : Internal return in the secondary market between 2 and 6 years.
(..) Confidential data, low reliability or not available.

Last update: February 20, 2026.

Methodological note

Interest rate: Percentage that a bank charges in compensation for a loan it has awarded.