3 mo
2.248 %
3-month Euribor
7 May 2026
6 mo
2.522 %
6-month Euribor
7 May 2026
12 mo
2.795 %
12-month Euribor
7 May 2026
Latest fixing: 7 May 2026. The Bank of Finland API typically updates on weekday afternoons - until then, the previous banking day's value is shown.
What is Euribor?
Euribor (Euro Interbank Offered Rate) is the reference rate at which eurozone banks lend money to each other. It is calculated and published daily for different maturities. The most common tenors in Finland are 3-month, 6-month and 12-month Euribor.
Most Finnish mortgages are tied to the 12-month Euribor. When Euribor rises or falls, it affects your loan total rate at the next reset date.
Frequently asked questions
When is Euribor updated?
Euribor fixings are published on weekdays. The Bank of Finland API typically updates in the afternoon. On bank holidays there is no publication - the previous banking day's value is shown.
How does Euribor affect my mortgage?
Your total rate = Euribor + margin. When the 12-month Euribor rises by one percentage point, the monthly payment on a 200,000 euro loan (20 years, 0.65% margin) increases by approximately 100 euros.
When is my mortgage reference rate reviewed?
Most Finnish mortgages tied to 12-month Euribor are reviewed once a year, on the anniversary of the loan drawdown date. The Euribor rate on that day sets the interest for the next 12 months.
Is 3-month or 12-month Euribor better?
The 3-month Euribor reacts faster to ECB policy changes - it falls more quickly when rates are cut but also rises faster. The 12-month Euribor is more stable and predictable. Over 80% of Finnish mortgages are tied to the 12-month Euribor.