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Euribor falls at three, six and 12 months
The Euribor rate fell today to three, six and 12 months compared to Monday.
© Lusa
Economia Euribor
With today's changes, the three-month Euribor, which fell to 3.824%, remained above the six-month rate (3.799%) and the 12-month rate (3.638%).
The six-month Euribor rate, which became the most used in Portugal for variable-rate housing loans and which was above 4% between 14 September and 01 December, fell today to 3.799%, down 0.001 points, after having risen on 18 October to 4.143%, a maximum since November 2008.
Data from the Banco de Portugal (BdP) for March indicate the six-month Euribor as the most used, representing 36.6% of the 'stock' of loans for permanent own housing with a variable rate. The same data indicate that the 12-month and three-month Euribor represented 34.3% and 24.9%, respectively.
In the 12-month period, the Euribor rate, which was above 4% between 16 June and 29 November, fell today to 3.638%, down 0.016 points from the previous session, against the maximum since November 2008, of 4.228%, recorded on 29 September.
In the same vein, the three-month Euribor fell, being set at 3.824%, down 0.004 points, after having risen on 19 October to 4.002%, a maximum since November 2008.
At the last monetary policy meeting on 11 April, the ECB kept the key interest rates at their highest level since 2001 for the fifth consecutive time, after having made 10 increases since 21 July 2022.
The next ECB monetary policy meeting will be held on 06 June in Frankfurt.
The average Euribor in April fell in all three terms, namely 0.037 points to 3.886% at three months (against 3.923% in March), 0.056 points to 3.839% at six months (against 3.895%) and 0.016 points to 3.702% at 12 months (against 3.718%).
Euribor rates started to rise more significantly from 04 February 2022, after the ECB admitted that it could raise key interest rates due to rising inflation in the eurozone, and the trend was reinforced with the start of Russia's invasion of Ukraine on 24 February 2022.
The three, six and 12-month Euribor rates recorded all-time lows of -0.605% on 14 December 2021, -0.554% and -0.518% on 20 December 2021, respectively.
Euribor rates are set by the average of the rates at which a group of 19 eurozone banks are willing to lend money to each other on the interbank market.
Read Also: Euribor rises to three, six and 12 months (Portuguese version)
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