12-month Euribor will fall by almost 20 euros in January. The new year should see stability in interest rates.
The fluctuations in interest rates were much smoother in 2025 compared to the previous three years.
This stability, which should continue into 2026, is also reflected in the first installments of the housing credit in the new year.
A did the math, based on the example of a credit 200 thousand euroson a loan to 30 yearscommon spread (bank profit margin) of 1%.
In a contract indexed to Euribor 3 monthsin January the payment for the house will go up 2.40 euros.
This is after, throughout 2025, there were three decreases (all above 40 euros) and a slight increase of 4 euros in October, in the last update.
In the most frequent loan in Portugal (the 6 months), the rise will be 9,02 euros.
During this year, in this context, there was a drop of 120 euros at the beginning of the year and then a drop of 60 euros in July.
The only decline that will be recorded is in loans to 12 months: one remains 17.26 euros opening the year.
In these one-year contracts, last January there was a drop of 135 euros compared to the previous year.
In 2026, Euribor rates, if they rise, should rise only very slightly.
