3-month Euribor – December 2021
The average 3-month Euribor for December 2021 is -0.507 %, computed from 23 daily fixings (complete). The month opened at -0.572 %, closed at 0.000 %, with a low of -0.605 % and a high of 0.000 %. Versus November 2021 the average is up 0.035 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 3-month Euribor plus 1 pp would pay 0.49 % 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 |
|---|---|---|
| 0.000 % | +0.573 pp | |
| -0.573 % | -0.002 pp | |
| -0.571 % | +0.012 pp | |
| -0.583 % | +0.007 pp | |
| -0.590 % | -0.003 pp | |
| -0.587 % | +0.001 pp | |
| -0.588 % | +0.003 pp | |
| -0.591 % | -0.003 pp | |
| -0.588 % | -0.588 pp | |
| 0.000 % | +0.581 pp | |
| -0.581 % | +0.008 pp | |
| -0.589 % | +0.013 pp | |
| -0.602 % | +0.003 pp | |
| -0.605 % | -0.002 pp | |
| -0.603 % | -0.015 pp | |
| -0.588 % | -0.003 pp | |
| -0.585 % | -0.011 pp | |
| -0.574 % | -0.574 pp | |
| 0.000 % | +0.562 pp | |
| -0.562 % | +0.001 pp | |
| -0.563 % | +0.002 pp | |
| -0.565 % | +0.007 pp | |
| -0.572 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for December 2021?
-0.507 %, computed from 23 daily fixings. The ECB's official monthly average is -0.582 %.
My mortgage revises with the December average – what rate applies?
Reference -0.507 % plus your contractual spread; with a 1 pp spread the new rate is 0.49 %. 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