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What if the Euribor rises?

See how much your monthly payment changes if the Euribor rises or falls, how far your budget can stretch, and which of the three types of rates costs less in each scenario.
  • No forecasts: the scenarios are yours
  • Fixed, mixed, and variable
  • No costs or commitment
What do you want to know?

Three questions to find out how much your monthly payment can increase

€

We account for €150,000.
years

We account for 30 years.
€

We account for €2,500.
We assume the Euribor at 2.92% and a spread of 1%, which are assumptions.

How we calculate

Without predicting the future: we show what happens in each scenario.

  1. Your rate

    In the variable rate, your interest rate is the plus the . The spread doesn't change. The Euribor does.Euribor + spread

  2. The monthly payment in each scenario

    We calculate the monthly payment with the lowest and highest Euribor, and the weight of the payments on your income.From −1 to +3 points

  3. The three types of rates

    We compare the interest of the entire credit with variable, mixed, and fixed rates, in the scenario you choose.The scenario is yours
No one knows what the Euribor will do. The useful question isn't “what's the lowest rate today,” it's “what increase can I live with.”

Illustrative Cases

Illustration of Elisa and Luís in front of the house, with a Euribor chart
Illustrative example

Elisa and Luís wanted to know how much they could handle before changing cars.

They live in Marco de Canaveses. They owe €165,000 to the bank and have a car payment. The house is on a variable rate. They were going to take on a new payment and wanted to see first what would happen if the Euribor went up again.House payment: €819, 28 years left · Car payment: €180 · Household income: €2,400
  1. 1The question: “If the Euribor goes up, can we still pay everything?”
  2. 2What the simulator showed: each Euribor point is worth €96 in the payment. With 1.5 more points, the payments would go from 41.6% to 47.7% of the income. With €250 more from a new car, they would reach 58.1%.
  3. 3The result: they kept the idea of changing cars, but with a smaller payment. And they asked CrediSegur to see if they could get a better spread.

With 1.5 more points 47.7%

For each point increase€96

For each point increase
€96
more per month, on the house payment
With 1.5 more points
47.7%
of the payments in the income
The Euribor that takes them to 45%
3.76%
of Euribor; today it is at 2.92%
“We didn't change our minds. We changed the car's value.” — Luís
Illustration of Abel comparing three types of interest rates
Illustrative example

Abel was going to choose the rate with the lowest payment. Then he saw the scenarios.

He lives in Alenquer and is going to request €140,000 over 35 years to buy a house. The bank gave him three options: variable, mixed, and fixed. The variable and mixed started cheaper. He didn't know how to compare.Variable: Euribor + 0.4%, starts at €564 · Mixed: 3.3% for the first 5 years, €563 · Fixed: 3.5%, always €579
  1. 1The question: “Which of the three will cost me less in the end?”
  2. 2What the simulator showed: with the Euribor as it is, the one that paid less interest was the mixed rate, by €175. If the Euribor rises 1 point, it becomes the fixed rate, with less €20,139 than the mixed rate. The fixed rate only compensated with the Euribor above 3.1%, on average.
  3. 3The result: he realized he wasn't choosing the lowest rate, but the increase he could live with. He asked CrediSegur to compare proposals with the three types of rates.

The fixed only compensates with the Euribor above 3.1%

Interest difference if the Euribor rises 1 point€20,139

Interest difference if the Euribor rises 1 point
€20,139
less with the fixed rate than with the mixed rate
The fixed only compensates with the Euribor above
3.1%
on average
Fixed payment
€579
every month, until the end
“I stopped looking for the lowest rate. I chose the one that lets me sleep.” — Abel
*Illustrative, non-binding example, with fictional characters and values that do not correspond to the offer of any credit institution. This does not constitute a credit offer and does not replace an assessment of each client’s personal and financial situation, nor the approval of the lending credit institution. TAN, TAEG and MTIC values are presented under the terms of Decree-Law no. 74-A/2017 and Banco de Portugal Notice no. 5/2024; the actual values are calculated by the lending credit institution in the European Standardised Information Sheet (ESIS). CrediSegur (CRRF – Brokerage, Lda.) — tied credit intermediary registered with Banco de Portugal under no. 0001290. No one knows what Euribor will do.

What's true and what's myth about the Euribor

Four ideas we hear often, and what to do about each.
  • Myth“The fixed rate is always more expensive.”False. It depends on what the Euribor does. If it rises and stays high, the fixed rate becomes cheaper. What the fixed rate guarantees is that the monthly payment doesn't change.What to do: See from which Euribor the fixed rate compensates. It's in the result.
  • Truth“The spread doesn't change when the Euribor changes.”True. The spread remains the same throughout the contract, unless you fail to meet conditions agreed with the bank, like having your salary there.What to do: The spread is the part you can negotiate or improve by switching banks.
  • Depends“I can switch from variable to fixed rate whenever I want.”Depends on the bank. You can ask, but the bank is not obliged to accept or maintain the spread. The alternative is to transfer the credit to another bank.What to do: Request a simulation from your bank and compare it with other proposals.
  • Myth“When the Euribor drops, the monthly payment drops immediately.”False. The monthly payment only changes on the review date of your credit: every 3, 6, or 12 months, according to the Euribor in the contract.What to do: Check your statement to see when the next review is.

The next step

You already have this answer. Keep going — each tool prepares the next decision.

Review your mortgage with a manager

You can't control the Euribor. But you can control the spread, insurance, and term. We compare the conditions of the banks we work with for your case, with the three types of rates, and handle the process with you, without intermediation costs.

Frequently Asked Questions

It is a reference rate for the European market, the same for all banks. In variable rate credits, your interest rate is the Euribor plus the spread of your contract.
The one used in the last review of your credit. It's in the statement. If you don't know, leave the reference value we show (2.92%) and see the difference of each point.
Because it is the increase that Banco de Portugal requires banks to consider when evaluating a variable rate credit with more than 10 years (1 points up to 10 years, 0.5 up to 5). It serves to see if the budget can handle it.
It has happened. In 2022 and 2023, it rose more than 4 points in less than two years. In the last twenty years, the 6-month Euribor ranged between about -0.5% and 5.4%.
We sum the interest of the entire credit in each type, with the Euribor scenario you choose. In the mixed rate, we count the fixed rate in the first years and then Euribor plus spread.
No. They are assumptions for the calculation, which you can change to the rates your bank proposed. Only a bank proposal, in the standardized information sheet (FINE), tells you the exact conditions.
Official data verified on 10/20/2026 · Sources: Diário da República, Autoridade Tributária, Banco de Portugal · see sources
Important note: Informative simulation. The Euribor, spread, and fixed and mixed rates are calculation assumptions and do not constitute a credit proposal or a forecast. The monthly payment does not include insurance or other charges. Credit granting is subject to the approval of the credit institution. Sources (in Portuguese): EMMI (Euribor, valores públicos); Recomendação macroprudencial do Banco de Portugal. Reference 6-month Euribor: 2.92%. The CRRF – BROKERAGE, LDA (CrediSegur) is a tied credit intermediary registered with Banco de Portugal (no. 0001290) and an insurance agent registered with ASF (no. 421571530); it does not charge fees for credit intermediation.