This page is the 12-month tenor hub: last daily fixing, the month-to-date average and the last closed monthly average. Other tenors exist at EMMI; this feed is the 12-month series.
Last daily fixing
3.191 %
October 9, 2026
Month-to-date
3.227 %
Until October 9, 2026
Last closed month
3.247 %
2026-09
Key: a loan reset almost never uses one Tuesday print. It uses the 12-month average of the month named in the contract, plus the spread.
The 12-month tenor is the one most household floating euro loans still name. Other tenors exist at EMMI. This cache follows the 12-month series so the tables stay honest.
“1-year Euribor” is the same tenor. Separate page only because people type both: 1-year Euribor.
Key: a reset uses the average of the month named in the contract, plus the spread — not one Tuesday print, unless the deed says so.
Banks write “12-month Euribor”. People type “1 year”. They are one tenor. This extra address exists so a search box that said “one year” does not land on a one-month table. The live figures on this page are the same twelve-month series as the rest of the site.
Euro-area household floating loans still name the twelve-month tenor more often than the short tenors. That is why the cache here is twelve-month only. A three-month print can look calmer. It is not a substitute on a reset date that named twelve months.
A “one-year forecast” is not a fourth tenor. It is an opinion about where the twelve-month average might sit twelve months from now. Keep that opinion on the forecast pages. Keep the living print on today and on this page.
Same sketch as the other guides, on purpose, so the arithmetic stays comparable. One hundred and fifty thousand euros left, twenty-five years, spread of 0.90. Change only the twelve-month clock the deed named. Do not reach for a one-month museum value because someone said “one year means the short one”.
A good test of any page about Euribor is whether a reader can leave with one sentence they could read to a bank clerk. The sentence is always some version of this: “I am using the twelve-month tenor, the closed month named in my letter, plus the contractual spread.” If a paragraph on this page does not help you say that sentence, skip it. If it does, copy the figure from the matching table and stop shopping for a fourth website.
Couples argue about websites because the websites argue about clocks. Agree the clock first, then open one calculator together. Loan impact is enough for most household letters. Daily-versus-average is enough when someone insists on using this morning’s print. Spread builder is enough when the only missing piece is the margin in the deed.
Keep a short reading list, not a pile. What Euribor is. How it is calculated. Daily versus average. How it affects a loan. Who publishes it. That is five guides. The year files are data. The forecast pages are warnings. The rest is navigation.
Another way to keep the page useful is to walk through a bad copy. Someone finds a newspaper chart, reads “Euribor” in the title, and pastes 2.4 percent into a spreadsheet that already had 2.4 percent last year. Nothing moves. They decide the review is a scam. What actually happened is that they pasted a 3-month tenor, or a policy rate, or a forecast bubble. The twelve-month closed month for their letter was sitting on the history table the whole time.
A second bad copy: someone uses this morning’s print because it is large and orange. The deed named August. August is finished. The letter will use August. The orange number is a market diary, not a legal row. Daily-versus-average exists so that mistake becomes visible in euros instead of in a comment thread.
A third bad copy: someone includes insurance inside the Euribor box and then accuses the calculator of being optimistic. Insurance is a separate line. The calculator on this site is the index plus the spread plus the French formula. Everything else is homework after the result.
Readers outside the euro area can still use these pages. They just have to accept that the product is a euro term benchmark. It will not price a dollar mortgage and it will not replace a 30-year fixed advertisement. The SOFR and LIBOR guides exist so that exit is clean.
Close the tab when you can say the sentence without looking. Twelve-month tenor. Closed month named in the letter. Plus the spread. French formula. That is the whole household machine. Everything else on this website is either a table that feeds the machine or a warning about mixing clocks, countries and dead panels.
When you are done, the useful exits are Euribor today for the market diary, history for the legal row, loan impact for the payment, and EMMI if you want the administrator rather than a republisher. That is a complete morning.
Last reminder, written in ordinary words. The twelve-month tenor is the one this site lives on. The daily print is a diary. The closed month is the legal row for most household letters. Forecasts are stories. Dead panels are museums. If you can keep those four sentences straight, you already outrank half the internet on this subject.
This hub exists so “12-month” and “1 year” stop feeling like two products. They are one tenor. Use the three cards at the top, then the matching guide, then one calculator. That is the whole visit.
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