12-month Euribor – December 2021
The average 12-month Euribor for December 2021 is -0.502 %, computed from 23 daily fixings (complete). The month opened at -0.505 %, closed at -0.501 %, with a low of -0.518 % and a high of -0.492 %. Versus November 2021 the average is down 0.015 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in December on the 12-month Euribor plus 1 pp would pay 0.50 % for the coming period.
Every number on this page is an official published fixing, not an estimate: daily values are the Euribor fixings as published in the ECB / Eurosystem's official statistics, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are refreshed every 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.
December 2021
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| -0.501 % | -0.003 pp | |
| -0.498 % | -0.006 pp | |
| -0.492 % | +0.003 pp | |
| -0.495 % | 0.000 pp | |
| -0.495 % | -0.001 pp | |
| -0.494 % | +0.005 pp | |
| -0.499 % | +0.006 pp | |
| -0.505 % | +0.010 pp | |
| -0.515 % | +0.003 pp | |
| -0.518 % | -0.007 pp | |
| -0.511 % | -0.003 pp | |
| -0.508 % | 0.000 pp | |
| -0.508 % | 0.000 pp | |
| -0.508 % | -0.004 pp | |
| -0.504 % | -0.006 pp | |
| -0.498 % | -0.001 pp | |
| -0.497 % | +0.001 pp | |
| -0.498 % | +0.001 pp | |
| -0.499 % | 0.000 pp | |
| -0.499 % | +0.001 pp | |
| -0.500 % | -0.002 pp | |
| -0.498 % | +0.007 pp | |
| -0.505 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for December 2021?
-0.502 %, computed from 23 daily fixings. The ECB's official monthly average is -0.502 %.
My mortgage revises with the December average – what rate applies?
Reference -0.502 % plus your contractual spread; with a 1 pp spread the new rate is 0.50 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 07/09/2026