{"id":128746,"date":"2022-09-15T23:47:16","date_gmt":"2022-09-15T21:47:16","guid":{"rendered":"https:\/\/rmarketingdigital.com\/negocios\/que-es-el-euribor\/"},"modified":"2021-04-11T22:49:42","modified_gmt":"2021-04-11T20:49:42","slug":"que-es-el-euribor","status":"publish","type":"post","link":"https:\/\/rmarketingdigital.com\/en\/business\/que-es-el-euribor\/","title":{"rendered":"What is the Euribor?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-el-euribor\/#El-sistema-bancario\" >The banking system<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-el-euribor\/#La-relevancia-del-Euribor\" >The relevance of the Euribor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-el-euribor\/#La-manipulacion-del-Euribor\" >The manipulation of the Euribor<\/a><\/li><\/ul><\/nav><\/div>\n<div>\n<p><picture class=\"aligncenter wp-image-15961\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/que-es-el-euribor-830x662.jpg.webp\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20830%20462'%3E%3C\/svg%3E\"><\/source><br \/>\n<img alt='what-is-euribor-830x662-3055377' width=\"830\" height=\"462\" src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/que-es-el-euribor-830x662-3055377.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter wp-image-15961\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/que-es-el-euribor-830x662.jpg.webp\"><\/source><br \/>\n<img alt='what-is-euribor-830x662-3055377' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/que-es-el-euribor-830x662-3055377.jpg' width=\"830\" height=\"462\">\n<\/picture>\n<\/noscript><\/p>\n<p><strong>Euribor is the acronym for the European Interbank Offer Rate<\/strong>, or by its name in English Euro Interbank Offered Rate. Given this definition, we can say that it is an average interest rate that is used in loans, and that it is calculated to be used by the vast majority of European banks, which together make up the panel of banks.<\/p>\n<p>While each of the <strong>banking organizations<\/strong> It is independent in its operation, there is this type of data to be able to parameterize and standardize its financial behavior. So, to make a more accurate calculation of the Euribor, the lowest 15% and the highest 15% of the <strong>Interest rates<\/strong> that have been collected in the sampling. From this dynamic, every day, clarifying that it only applies to business days, at 11:00 CET the interest rates belonging to the Euribor are already determined and published.<span id=\"more-15960\"><\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"El-sistema-bancario\"><\/span><span id=\"El_sistema_bancario\">The banking system<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>But before we can continue talking about the Euribor, we must understand an important point.<strong>What is the type of interbank offer?<\/strong>? Well the solution is relatively simple. <strong>The Euribor<\/strong> It has the functionality of being able to tax the loans that banking organizations make, clarifying that they are loans that are made between themselves.<\/p>\n<p><picture class=\"aligncenter size-responsive-content wp-image-15962\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-830x467.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-300x169.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-768x432.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-400x225.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-500x281.jpg.webp 500w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-170x96.jpg.webp 170w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor.jpg.webp 992w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20830%20467'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='el-euribor-830x467-8427015' width='830' height='467' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015-300x169.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015-768x432.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015-16x9.jpg 16w' data-lazy-sizes='(max-width: 830px) 100vw, 830px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-responsive-content wp-image-15962\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-830x467.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-300x169.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-768x432.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-400x225.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-500x281.jpg.webp 500w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor-170x96.jpg.webp 170w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/el-euribor.jpg.webp 992w\" sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='el-euribor-830x467-8427015' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015.jpg' width='830' height='467' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015-300x169.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015-768x432.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-euribor-830x467-8427015-16x9.jpg 16w' sizes='(max-width: 830px) 100vw, 830px'>\n<\/picture>\n<\/noscript><\/p>\n<p>The reason why it is necessary for banks to lend money to each other is to ensure that at all times there is<strong> solvency of the interbank system.<\/strong> From this dynamics, there must be a means that can control and calculate with what interest the loans should be repaid. It should be noted that at the same time as the fact that interest must be paid, an amount called the risk premium must also be covered.<\/p>\n<p>Y<strong>because the Euribor varies<\/strong>? The main reason is that there is a level of trust between the banks that they dispose of with each other; It is data such as creditworthiness, income statements, and cash flow statements that determine the extent to which one bank can trust another to have the ability to repay the loan without any problem. Therefore, each bank sets its interest rate given the information it has available; But to give an idea of the general behavior of banks, an arithmetic average of the interest rate of the 50 main banks in Europe is carried out.<\/p>\n<p>So far everything sounds very interesting, but perhaps not very relevant for normal people, despite everything the reality is that it affects both normal people and the banks themselves, let&#039;s see why this is.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"La-relevancia-del-Euribor\"><\/span><span id=\"La_importancia_del_Euribor\">The relevance of the Euribor<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>The Euribor<\/strong> We already understood it as the interest rate that a bank must meet in terms of loans made by another bank. But where does the bank that requested the loan get the money to pay the interest? The solution is for the end users of said money, we are the people who request loans from the bank, it is fundamentally important for those who demand mortgage loans.<\/p>\n<p><picture class=\"aligncenter size-responsive-content wp-image-15964\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-830x560.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-300x203.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-768x518.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-400x270.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-444x300.jpg.webp 444w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.jpg.webp 1000w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20830%20560'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='euribor-830x560-9454689' width='830' height='560' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689-300x202.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689-768x518.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689-400x269.jpg 400w' data-lazy-sizes='(max-width: 830px) 100vw, 830px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-responsive-content wp-image-15964\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-830x560.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-300x203.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-768x518.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-400x270.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor-444x300.jpg.webp 444w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.jpg.webp 1000w\" sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='euribor-830x560-9454689' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689.jpg' width='830' height='560' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689-300x202.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689-768x518.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor-830x560-9454689-400x269.jpg 400w' sizes='(max-width: 830px) 100vw, 830px'>\n<\/picture>\n<\/noscript><\/p>\n<p>So that the bank can be sure that it will have the solvency to be able to cover the expenses caused by the loan requested from another bank, it does the<strong> calculation of the mortgage interest rate based on Euribor.<\/strong> From this dynamics, calculate the rate by applying the Euribor to six months or one year on other occasions.<\/p>\n<p>This means that the <strong>the bank will offer the end user,<\/strong> a mortgage interest rate based on <a rel=\"nofollow\" href=\"http:\/\/www.euribor.us\/\">at <strong>Euribor value<\/strong><\/a>    which is in force; so, if it is higher, the higher the interest rate that will be applied. This point is especially important for those who demand a variable rate loan, since in these cases the interest rate that comes from your loan will be affected either positively or negatively, causing you to have to pay more or less interest.<\/p>\n<p>It should be noted that to offer <strong>an end user fee,<\/strong> the bank usually applies a spread that oscillates between 0 and 1.5; What will define this difference are two main issues; the first thing is the economic profile of the client. The reason that this influences the differential is the same reason why the interbank rate varies, the trust that the bank has in the user will largely define whether a greater or lesser differential is added.<\/p>\n<p>The second aspect that influences the decision of the spread to apply is the user&#039;s own negotiation capacity, and even when it seems almost impossible, in fact there are certain fundamentals that we can use to reduce the spread that will be applied. to our mortgage.<\/p>\n<p>Finally, it is important that if we have a <strong>mortgage credit<\/strong> or if we are thinking of applying for one, we must always pay attention that the simulation of our credit is not reliable or accurate; Since the calculations are made daily, so if the Euribor increases, the quota that we have to cover for the mortgage becomes more expensive, on the other hand, if the Euribor goes down, our quota would also go down.<\/p>\n<p>Another reason being provided <strong>special attention to the value of Euribor<\/strong> is that it is used as the basis for calculating the value of certain financial instruments. As an example, this value is used as a reference for practically any type of derivative products such as income from futures or swaps, as well as agreements on all future interest rates.<\/p>\n<p>Undoubtedly the<strong> The Euribor is a fairly important indicator for everyone<\/strong>, both for governments and financial organizations, as well as for ordinary people. Hence the relevance that as end users we know where it comes from and how it affects us in daily life. But does it have limitations?<\/p>\n<p>The main limitation of this financial reference is that it only applies to banks belonging to the European Union, so if we intend to perform the calculation for another region, we will have to apply the reference used by that locality. To give an example, to be able to perform the calculation in the United Kingdom, the reference that we would have to use is the<strong> LIBOR,<\/strong> which has the same function as the Euribor, but in the London area.<\/p>\n<p>It is also feasible that we consider that in order to compare the financial health of one region with respect to another, it is feasible to compare their interbank offers; in general one of the most common comparisons or references is<strong> that of Euribor with LIBOR.<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"La-manipulacion-del-Euribor\"><\/span><span id=\"La_manipulacion_del_Euribor\">The manipulation of the Euribor<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although the entire system is designed to work for the benefit of both organizations and end users, there have been occasions when the personal interests of certain individuals have intervened in such a way that the<strong> Euribor values,<\/strong> Knowing a little about this history will help us better understand the weaknesses of this system. And how what happened in the past has been corrected.<\/p>\n<p><picture class=\"aligncenter size-responsive-content wp-image-15963\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-768x512.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-1024x683.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-450x300.jpg.webp 450w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor..jpg.webp 1200w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20830%20553'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='euribor-830x553-2996493' width='830' height='553' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493-16x12.jpg 16w' data-lazy-sizes='(max-width: 830px) 100vw, 830px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-responsive-content wp-image-15963\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-768x512.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-1024x683.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor.-450x300.jpg.webp 450w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2017\/07\/euribor..jpg.webp 1200w\" sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='euribor-830x553-2996493' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493.jpg' width='830' height='553' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/euribor.-830x553-2996493-16x12.jpg 16w' sizes='(max-width: 830px) 100vw, 830px'>\n<\/picture>\n<\/noscript><\/p>\n<p>Since the year 1999 when the Euribor came into force, until 2012 everything indicated that the Euribor was ideal, despite everything, it was on February 22 that two renowned lawyers denounced that there was opacity in the<strong> type of mortgage<\/strong> placing special emphasis on the Euribor; The main reason for this complaint was that no one was auditing its composition, so the Euribor remained sensitive to possible manipulations.<\/p>\n<p>And actually in 2011 an investigation had been opened on the possible manipulation that could occur; The Euribor case is not isolated, but banking organizations were also fined in other parts of the world, such as Canada, where HSBC, JPMorgan, Royal Bank, among others, were fined.<\/p>\n<p><strong>Completion of the investigation<\/strong> culminated in the execution of fines by different banks, fines that amounted to 1,710 million euros. The banks that were sanctioned were 6. Undoubtedly, this situation is regrettable, since the most important thing is that the finances of the users were directly affected by the interests of those involved.<\/p>\n<p>A bit of the history of how the Euribor has performed gives us an indication of what would be ideal; And it is that during its first years what was observed is that its behavior is descending, in spite of everything it was until 2008 when an increase in the interest rate was observed in a substantial way; even reaching a value of 4,42%, which is quite a lot if we compare it with its historical lows, which were reached in 2015, where the value was 0.165% in the month of May of that year. Undoubtedly, it is interesting to see the behavior of the past and analyze the situations that have involved the Euribor and its behavior, so that whenever we want, we can observe and understand why said interest rate shows a certain behavior.<\/p>\n<p>\n\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Euribor is the acronym for the European Interbank Offered Rate, or by its English name Euro Interbank Offered Rate. Given this definition, we can say that it is a type of\u2026<\/p>","protected":false},"author":1,"featured_media":128747,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1386],"tags":[],"class_list":["post-128746","post","type-post","status-publish","format-standard","has-post-thumbnail","category-negocios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00bfQu\u00e9 es el Euribor? - R Marketing Digital<\/title>\n<meta name=\"description\" content=\"Euribor es el acr\u00f3nimo del tipo europeo de oferta interbancaria, o por su nombre en ingl\u00e9s Euro Interbank Offered Rate. 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