Tipos oficiales de referencia del mercado hipotecario (desde 1990)
| Tipo medio de los préstamos hipotecarios a más de 3 años para adquisición de vivienda libre |
Tipo activo de referencia |
Tipo de rendimiento interno en el mercado secundario |
Tipo interbancario |
Referencia interbancaria |
| Meses |
De Bancos |
De Cajas de Ahorro |
Del conjunto de entidades de crédito |
De las Cajas de Ahorro |
De la Deuda Pública de plazo entre 2 y 6 años |
A 1 Año (Míbor) |
A 1 Año (Euríbor) |
| 2008 |
| Ene |
5,596 |
5,625 |
5,611 |
6,250 |
4,058 |
4,504 |
4,498 |
| Feb |
5,518 |
5,639 |
5,582 |
6,250 |
3,943 |
4,342 |
4,349 |
| Mar |
5,313 |
5,487 |
5,404 |
6,125 |
3,860 |
4,581 |
4,590 |
| Abr |
5,380 |
5,451 |
5,418 |
6,125 |
3,823 |
4,805 |
4,820 |
| May |
5,533 |
5,634 |
5,587 |
6,250 |
3,859 |
4,976 |
4,994 |
| Jun * |
—– * |
—– * |
—– * |
—– * |
—– * |
—– * |
5,361* |
| * Datos aún no publicados en el BOE |
| 2007 |
| Ene |
4,780 |
4,837 |
4,811 |
5,375 |
3,727 |
4,052 |
4,064 |
| Feb |
4,854 |
4,920 |
4,890 |
5,500 |
3,786 |
4,093 |
4,094 |
| Mar |
4,943 |
5,001 |
4,975 |
5,500 |
3,836 |
4,104 |
4,106 |
| Abr |
4,950 |
5,060 |
5,008 |
5,500 |
3,907 |
4,248 |
4,253 |
| May |
5,054 |
5,124 |
5,092 |
5,625 |
4,013 |
4,370 |
4,373 |
| Jun |
5,135 |
5,238 |
5,190 |
5,625 |
4,139 |
4,498 |
4,505 |
| Jul |
5,283 |
5,362 |
5,326 |
5,750 |
4,236 |
4,563 |
4,564 |
| Ago |
5,381 |
5,457 |
5,422 |
6,000 |
4,270 |
4,670 |
4,666 |
| Sep |
5,466 |
5,522 |
5,497 |
6,000 |
4,309 |
4,725 |
4,725 |
| Oct |
5,534 |
5,566 |
5,551 |
6,125 |
4,309 |
4,639 |
4,647 |
| Nov |
5,539 |
5,624 |
5,585 |
6,125 |
4,254 |
4,596 |
4,607 |
| Dic |
5,515 |
5,603 |
5,562 |
6,125 |
4,181 |
4,779 |
4,793 |
| 2006 |
| Ene |
3,520 |
3,651 |
3,591 |
4,750 |
2,781 |
2,824 |
2,833 |
| Feb |
3,642 |
3,751 |
3,701 |
4,750 |
2,877 |
2,914 |
2,914 |
| Mar |
3,682 |
3,821 |
3,756 |
4,750 |
3,032 |
3,106 |
3,105 |
| Abr |
3,758 |
3,938 |
3,852 |
4,875 |
3,161 |
3,219 |
3,221 |
| May |
4,002 |
4,088 |
4,048 |
4,875 |
3,262 |
3,306 |
3,308 |
| Jun |
4,055 |
4,200 |
4,132 |
4,875 |
3,374 |
3,399 |
3,401 |
| Jul |
4,163 |
4,287 |
4,229 |
5,125 |
3,496 |
3,533 |
3,539 |
| Ago |
4,320 |
4,386 |
4,355 |
5,375 |
3,582 |
3,614 |
3,615 |
| Sep |
4,377 |
4,515 |
4,451 |
5,250 |
3,630 |
3,709 |
3,715 |
| Oct |
4,521 |
4,598 |
4,562 |
5,250 |
3,650 |
3,791 |
3,799 |
| Nov |
4,622 |
4,664 |
4,645 |
5,250 |
3,666 |
3,858 |
3,864 |
| Dic |
4,738 |
4,765 |
4,753 |
5,125 |
3,682 |
3,915 |
3,921 |
| 2005 |
| Ene |
3,236 |
3,422 |
3,334 |
4,500 |
2,892 |
2,314 |
2,312 |
| Feb |
3,234 |
3,416 |
3,332 |
4,500 |
2,835 |
2,308 |
2,310 |
| Mar |
3,265 |
3,411 |
3,343 |
4,375 |
2,800 |
2,333 |
2,335 |
| Abr |
3,215 |
3,419 |
3,325 |
4,375 |
2,773 |
2,270 |
2,265 |
| May |
3,203 |
3,417 |
3,318 |
4,500 |
2,727 |
2,195 |
2,193 |
| Jun |
3,164 |
3,365 |
3,270 |
4,375 |
2,665 |
2,105 |
2,103 |
| Jul |
3,064 |
3,312 |
3,196 |
4,500 |
2,605 |
2,167 |
2,168 |
| Ago |
3,072 |
3,293 |
3,190 |
4,625 |
2,577 |
2,225 |
2,223 |
| Sep |
3,087 |
3,292 |
3,197 |
4,500 |
2,518 |
2,223 |
2,220 |
| Oct |
3,125 |
3,313 |
3,225 |
4,500 |
2,511 |
2,415 |
2,414 |
| Nov |
3,173 |
3,342 |
3,264 |
4,500 |
2,583 |
2,679 |
2,684 |
| Dic |
3,330 |
3,471 |
3,404 |
4,500 |
2,687 |
2,780 |
2,783 |
| 2004 |
| Ene |
3,358 |
3,572 |
3,475 |
5,000 |
3,096 |
2,22 |
2,216 |
| Feb |
3,342 |
3,533 |
3,446 |
4,875 |
3,107 |
2,166 |
2,163 |
| Mar |
3,241 |
3,46 |
3,358 |
4,625 |
3,082 |
2,056 |
2,055 |
| Abr |
3,165 |
3,384 |
3,279 |
4,625 |
3,086 |
2,164 |
2,163 |
| May |
3,144 |
3,351 |
3,255 |
4,750 |
3,086 |
2,297 |
2,297 |
| Jun |
3,245 |
3,362 |
3,307 |
4,625 |
3,127 |
2,405 |
2,404 |
| Jul |
3,252 |
3,388 |
3,323 |
4,625 |
3,153 |
2,367 |
2,361 |
| Ago |
3,335 |
3,441 |
3,392 |
4,875 |
3,142 |
2,305 |
2,302 |
| Sep |
3,286 |
3,436 |
3,367 |
4,750 |
3,169 |
2,377 |
2,377 |
| Oct |
3,235 |
3,419 |
3,332 |
4,750 |
3,136 |
2,317 |
2,316 |
| Nov |
3,314 |
3,445 |
3,383 |
4,625 |
3,076 |
2,330 |
2,328 |
| Dic |
3,265 |
3,424 |
3,349 |
4,375 |
2,966 |
2,306 |
2,301 |
| 2003 |
| Ene |
4,19 |
4,307 |
4,252 |
5,625 |
3,520 |
2,703 |
2,705 |
| Feb |
4,053 |
4,225 |
4,146 |
5,375 |
3,364 |
2,513 |
2,504 |
| Mar |
3,878 |
4,068 |
3,976 |
5,250 |
3,242 |
2,420 |
2,411 |
| Abr |
3,825 |
3,941 |
3,886 |
5,125 |
3,144 |
2,458 |
2,447 |
| May |
3,764 |
3,876 |
3,823 |
5,125 |
2,990 |
2,253 |
2,252 |
| Jun |
3,617 |
3,787 |
3,707 |
4,875 |
2,822 |
2,033 |
2,014 |
| Jul |
3,457 |
3,619 |
3,541 |
4,750 |
2,745 |
2,082 |
2,076 |
| Ago |
3,381 |
3,548 |
3,470 |
5,000 |
2,777 |
2,279 |
2,279 |
| Sep |
3,335 |
3,518 |
3,428 |
5,000 |
2,803 |
2,263 |
2,258 |
| Oct |
3,343 |
3,532 |
3,442 |
4,875 |
2,822 |
2,299 |
2,303 |
| Nov |
3,31 |
3,539 |
3,432 |
4,875 |
2,904 |
2,409 |
2,410 |
| Dic |
3,37 |
3,533 |
3,458 |
4,625 |
3,023 |
2,383 |
2,381 |
| 2002 |
| Ene |
4,562 |
4,912 |
4,737 |
6,000 |
4,09 |
3,475 |
3,483 |
| Feb |
4,650 |
4,887 |
4,768 |
5,875 |
4,065 |
3,581 |
3,594 |
| Mar |
4,695 |
4,874 |
4,785 |
5,875 |
4,131 |
3,799 |
3,816 |
| Abr |
4,799 |
4,919 |
4,860 |
5,750 |
4,247 |
3,857 |
3,86 |
| May |
4,917 |
5,052 |
4,985 |
6,000 |
4,401 |
3,948 |
3,963 |
| Jun |
4,925 |
5,062 |
4,995 |
6,000 |
4,453 |
3,862 |
3,869 |
| Jul |
4,916 |
5,1 |
5,009 |
5,875 |
4,448 |
3,643 |
3,645 |
| Ago |
4,883 |
5,103 |
4,999 |
6,000 |
4,36 |
3,437 |
3,44 |
| Sep |
4,698 |
4,925 |
4,818 |
6,125 |
4,203 |
3,241 |
3,236 |
| Oct |
4,542 |
4,815 |
4,69 |
5,750 |
4,027 |
3,127 |
3,126 |
| Nov |
4,408 |
4,609 |
4,517 |
5,750 |
3,857 |
3,02 |
3,017 |
| Dic |
4,253 |
4,49 |
4,38 |
5,500 |
3,703 |
2,878 |
2,872 |
| 2001 |
| Ene |
6,248 |
6,532 |
6,39 |
7,25 |
5,122 |
4,564 |
4,574 |
| Feb |
6,128 |
6,433 |
6,28 |
7 |
5 |
4,582 |
4,591 |
| Mar |
5,971 |
6,323 |
6,147 |
6,875 |
4,859 |
4,469 |
4,471 |
| Abr |
5,814 |
6,241 |
6,025 |
6,875 |
4,751 |
4,46 |
4,481 |
| May |
5,757 |
6,099 |
5,926 |
6,75 |
4,661 |
4,499 |
4,52 |
| Jun |
5,64 |
5,971 |
5,806 |
6,75 |
4,618 |
4,31 |
4,312 |
| Jul |
5,634 |
5,908 |
5,768 |
6,625 |
4,61 |
4,31 |
4,311 |
| Ago |
5,587 |
5,852 |
5,723 |
6,625 |
4,571 |
4,107 |
4,108 |
| Sep |
5,48 |
5,772 |
5,627 |
6,625 |
4,519 |
3,771 |
3,77 |
| Oct |
5,206 |
5,582 |
5,39 |
6,5 |
4,401 |
3,366 |
3,369 |
| Nov |
5,009 |
5,372 |
5,19 |
6,125 |
4,243 |
3,196 |
3,198 |
| Dic |
4,685 |
5,027 |
4,852 |
5,75 |
4,159 |
3,286 |
3,298 |
| 2000 |
| Ene |
4,997 |
5,087 |
5,04 |
6,125 |
4,561 |
3,924 |
3,949 |
| Feb |
5,118 |
5,217 |
5,166 |
6,25 |
4,689 |
4,099 |
4,111 |
| Mar |
5,173 |
5,296 |
5,231 |
6,125 |
4,795 |
4,259 |
4,267 |
| Abr |
5,32 |
5,391 |
5,353 |
6,125 |
4,826 |
4,348 |
4,365 |
| May |
5,49 |
5,557 |
5,522 |
6,375 |
4,965 |
4,847 |
4,849 |
| Jun |
5,653 |
5,753 |
5,703 |
6,5 |
5,054 |
4,959 |
4,965 |
| Jul |
5,883 |
5,899 |
5,891 |
6,75 |
5,115 |
5,097 |
5,105 |
| Ago |
5,977 |
6,08 |
6,029 |
7 |
5,18 |
5,247 |
5,248 |
| Sep |
6,238 |
6,227 |
6,232 |
7 |
5,251 |
5,208 |
5,219 |
| Oct |
6,163 |
6,402 |
6,284 |
7,125 |
5,299 |
5,212 |
5,218 |
| Nov |
6,224 |
6,471 |
6,348 |
7,125 |
5,287 |
5,188 |
5,193 |
| Dic |
6,26 |
6,485 |
6,371 |
7 |
5,241 |
4,889 |
4,881 |
| 1999 |
| Ene |
5,015 |
5,262 |
5,131 |
6,375 |
3,658 |
3,065 |
3,062 |
| Feb |
4,787 |
5,147 |
4,95 |
6,125 |
3,513 |
3,035 |
3,030 |
| Mar |
4,654 |
5,007 |
4,816 |
6 |
3,435 |
3,031 |
3,046 |
| Abr |
4,599 |
4,997 |
4,787 |
5,875 |
3,349 |
2,709 |
2,759 |
| May |
4,454 |
4,861 |
4,644 |
5,875 |
3,272 |
2,656 |
2,683 |
| Jun |
4,296 |
4,733 |
4,502 |
5,625 |
3,31 |
2,78 |
2,836 |
| Jul |
4,263 |
4,626 |
4,435 |
5,625 |
3,442 |
3,018 |
3,030 |
| Ago |
4,316 |
4,648 |
4,471 |
5,75 |
3,599 |
3,233 |
3,237 |
| Sep |
4,436 |
4,666 |
4,545 |
5,75 |
3,758 |
3,26 |
3,301 |
| Oct |
4,578 |
4,762 |
4,665 |
5,875 |
4,004 |
3,607 |
3,684 |
| Nov |
4,772 |
4,847 |
4,807 |
5,75 |
4,217 |
3,659 |
3,689 |
| Dic |
4,876 |
5,016 |
4,94 |
5,875 |
4,397 |
3,806 |
3,826 |
| 1998 |
| Ene |
5,988 |
6,268 |
6,115 |
7,375 |
5,086 |
4,421 |
- |
| Feb |
5,879 |
6,099 |
5,98 |
7,125 |
4,947 |
4,325 |
- |
| Mar |
5,827 |
5,978 |
5,896 |
7 |
4,823 |
4,161 |
- |
| Abr |
5,659 |
5,906 |
5,776 |
6,75 |
4,707 |
4,215 |
- |
| May |
5,603 |
5,817 |
5,7 |
7 |
4,613 |
4,22 |
- |
| Jun |
5,545 |
5,744 |
5,636 |
6,75 |
4,547 |
4,191 |
- |
| Jul |
5,513 |
5,69 |
5,592 |
6,75 |
4,508 |
4,137 |
- |
| Ago |
5,572 |
5,697 |
5,628 |
6,875 |
4,464 |
4,066 |
- |
| Sep |
5,439 |
5,68 |
5,548 |
6,75 |
4,374 |
3,83 |
- |
| Oct |
5,428 |
5,575 |
5,495 |
6,625 |
4,245 |
3,635 |
- |
| Nov |
5,176 |
5,44 |
5,296 |
6,375 |
4,055 |
3,618 |
- |
| Dic |
5,052 |
5,265 |
5,15 |
6,125 |
3,864 |
3,24 |
- |
| 1997 |
| Ene |
7,573 |
8,255 |
7,867 |
9 |
6,738 |
5,491 |
- |
| Feb |
7,337 |
7,922 |
7,604 |
8,625 |
6,387 |
5,58 |
- |
| Mar |
7,216 |
7,568 |
7,379 |
8,5 |
6,155 |
5,788 |
- |
| Abr |
7,068 |
7,355 |
7,195 |
8,25 |
5,981 |
5,504 |
- |
| May |
6,971 |
7,266 |
7,104 |
8 |
5,815 |
5,17 |
- |
| Jun |
6,717 |
6,949 |
6,82 |
7,875 |
5,68 |
5,101 |
- |
| Jul |
6,624 |
6,824 |
6,715 |
7,625 |
5,6 |
5,125 |
- |
| Ago |
6,489 |
6,687 |
6,584 |
7,75 |
5,552 |
5,211 |
- |
| Sep |
6,463 |
6,58 |
6,518 |
7,625 |
5,41 |
4,99 |
- |
| Oct |
6,384 |
6,662 |
6,509 |
7,5 |
5,282 |
4,985 |
- |
| Nov |
6,252 |
6,537 |
6,385 |
7,375 |
5,23 |
4,807 |
- |
| Dic |
6,196 |
6,328 |
6,255 |
7,25 |
5,167 |
4,623 |
- |
| 1996 |
| Ene |
10,73 |
10,83 |
10,81 |
11,62 |
9,997 |
8,659 |
- |
| Feb |
10,50 |
10,59 |
10,56 |
11,5 |
9,695 |
8,473 |
- |
| Mar |
10,15 |
10,36 |
10,28 |
11,25 |
9,47 |
8,365 |
- |
| Abr |
9,985 |
10,06 |
10,04 |
11 |
9,129 |
7,585 |
- |
| May |
9,541 |
9,897 |
9,729 |
10,75 |
8,82 |
7,419 |
- |
| Jun |
9,133 |
9,644 |
9,392 |
10,62 |
8,592 |
7,276 |
- |
| Jul |
9,009 |
9,369 |
9,195 |
10,25 |
8,364 |
7,201 |
- |
| Ago |
8,957 |
9,143 |
9,057 |
10,37 |
8,172 |
7,269 |
- |
| Sep |
8,813 |
9,053 |
8,938 |
10 |
7,916 |
6,975 |
- |
| Oct |
8,74 |
8,905 |
8,813 |
9,875 |
7,654 |
6,668 |
- |
| Nov |
8,289 |
8,649 |
8,444 |
9,5 |
7,397 |
6,388 |
- |
| Dic |
8,025 |
8,345 |
8,174 |
9,25 |
7,098 |
5,994 |
- |
| 1995 |
| Ene |
10,34 |
10,43 |
10,42 |
11,25 |
10,79 |
10,42 |
- |
| Feb |
10,63 |
10,58 |
10,61 |
11,37 |
10,97 |
9,942 |
- |
| Mar |
10,91 |
10,80 |
10,87 |
11,62 |
11,18 |
10,50 |
- |
| Abr |
10,94 |
11,01 |
10,99 |
11,75 |
11,32 |
10,40 |
- |
| May |
11,35 |
11,00 |
11,18 |
11,87 |
11,41 |
10,3 |
- |
| Jun |
11,26 |
11,02 |
11,15 |
11,87 |
11,46 |
10,36 |
- |
| Jul |
11,32 |
11,02 |
11,21 |
11,87 |
11,38 |
10,27 |
- |
| Ago |
11,56 |
11,15 |
11,38 |
12,12 |
11,28 |
9,982 |
- |
| Sep |
11,42 |
11,16 |
11,30 |
12,12 |
11,01 |
9,572 |
- |
| Oct |
11,22 |
11,03 |
11,15 |
12,12 |
10,82 |
9,634 |
- |
| Nov |
11,23 |
11,01 |
11,13 |
11,87 |
10,65 |
9,43 |
- |
| Dic |
11,15 |
10,80 |
11,01 |
11,75 |
10,36 |
9,136 |
- |
| 1994 |
| Ene |
11,37 |
11,43 |
11,35 |
12,12 |
8,236 |
8,09 |
- |
| Feb |
10,94 |
11,42 |
11,07 |
12 |
8,027 |
8,139 |
- |
| Mar |
10,56 |
11,14 |
10,79 |
11,5 |
7,959 |
8,041 |
- |
| Abr |
10,31 |
10,82 |
10,53 |
11,25 |
7,966 |
7,879 |
- |
| May |
9,952 |
10,60 |
10,27 |
11 |
8,069 |
7,835 |
- |
| Jun |
9,742 |
10,48 |
10,12 |
11 |
8,363 |
8,198 |
- |
| Jul |
9,855 |
10,23 |
10,04 |
10,62 |
8,748 |
8,345 |
- |
| Ago |
9,95 |
10,27 |
10,10 |
11 |
9,179 |
8,482 |
- |
| Sep |
9,955 |
10,21 |
10,12 |
10,87 |
9,604 |
8,875 |
- |
| Oct |
10,06 |
10,28 |
10,22 |
10,87 |
9,969 |
8,97 |
- |
| Nov |
9,784 |
10,30 |
10,07 |
11 |
10,28 |
9,019 |
- |
| Dic |
10,11 |
10,37 |
10,25 |
10,87 |
10,53 |
9,445 |
- |
| 1993 |
| Ene |
15,92 |
15 |
15,44 |
14,87 |
13,35 |
13,84 |
- |
| Feb |
15,91 |
14,94 |
15,42 |
14,75 |
13,14 |
13,05 |
- |
| Mar |
15,68 |
14,76 |
15,26 |
14,75 |
12,81 |
13,24 |
- |
| Abr |
15,55 |
14,8 |
15,18 |
14,75 |
12,44 |
13,02 |
- |
| May |
15,14 |
14,71 |
14,89 |
14,63 |
12,07 |
11,96 |
- |
| Jun |
14,48 |
14,15 |
14,28 |
14 |
11,54 |
10,40 |
- |
| Jul |
14,18 |
13,67 |
13,86 |
13,75 |
11,06 |
10,22 |
- |
| Ago |
14,06 |
13,56 |
13,78 |
13,62 |
10,56 |
9,784 |
- |
| Sep |
13,64 |
13,37 |
13,43 |
13,37 |
10,01 |
9,334 |
- |
| Oct |
12,57 |
12,91 |
12,69 |
13 |
9,475 |
9,102 |
- |
| Nov |
11,91 |
12,48 |
12,03 |
12,75 |
9 |
8,742 |
- |
| Dic |
11,57 |
12,16 |
11,73 |
12,37 |
8,607 |
8,238 |
- |
| 1992 |
| Ene |
15,58 |
14,91 |
15,21 |
14,62 |
11,82 |
12,76 |
- |
| Feb |
15,58 |
14,63 |
15,12 |
14,62 |
11,72 |
12,57 |
- |
| Mar |
15,17 |
14,85 |
15 |
14,62 |
11,70 |
12,52 |
- |
| Abr |
15 |
14,66 |
14,82 |
14,37 |
11,69 |
12,56 |
- |
| May |
15,18 |
14,62 |
14,93 |
14,5 |
11,62 |
12,48 |
- |
| Jun |
14,94 |
14,51 |
14,73 |
14,25 |
11,63 |
12,79 |
- |
| Jul |
15,07 |
14,43 |
14,76 |
14,25 |
11,82 |
13,13 |
- |
| Ago |
15,23 |
14,49 |
14,92 |
14,37 |
12,10 |
13,89 |
- |
| Sep |
15,34 |
14,53 |
14,96 |
14,5 |
12,48 |
14,17 |
- |
| Oct |
15,66 |
14,64 |
15,15 |
14,62 |
12,87 |
14,17 |
- |
| Nov |
15,6 |
14,83 |
15,24 |
14,63 |
13,12 |
14,11 |
- |
| Dic |
15,72 |
14,98 |
15,41 |
14,62 |
13,33 |
14,50 |
- |
| 1991 |
| Ene |
17,2 |
16,57 |
16,92 |
16 |
14,71 |
15,29 |
- |
| Feb |
17,17 |
16,22 |
16,76 |
15,87 |
14,63 |
14,58 |
- |
| Mar |
17,12 |
16,25 |
16,76 |
15,75 |
14,32 |
13,59 |
- |
| Abr |
16,9 |
16,1 |
16,54 |
15,75 |
13,91 |
13,13 |
- |
| May |
16,37 |
16,17 |
16,33 |
15,75 |
13,46 |
12,51 |
- |
| Jun |
16,13 |
15,71 |
15,93 |
15,37 |
13,04 |
12,23 |
- |
| Jul |
15,76 |
15,69 |
15,73 |
15,12 |
12,61 |
12,64 |
- |
| Ago |
15,91 |
15,28 |
15,62 |
15 |
12,28 |
12,65 |
- |
| Sep |
| | |