Rate + spread

All-in coupon = 12-month Euribor + contractual spread. The fixing field fills from the live feed.

Key: a mortgage reset uses the month average named in the contract, not necessarily today’s print. This tool is a snapshot.

12-month Euribor (%)

Spread (%)

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How to read Euribor + spread

The all-in rate is index + contractual margin. The index field fills from the last 12-month fixing. If your letter names a closed month, type that month’s average instead of today’s print.

Key: the spread does not move in an ordinary annual review. Only the Euribor clock moves. Changing the spread is a negotiation, not a reset.

After you have the all-in rate, the payment is a second step: loan impact.

Live print: Euribor today. Which clock: current rate.