TIPOS OFICIALES DE REFERENCIA

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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)
2010
Ene	2,487	3,025	2,810	5,125	2,351	1,232	1,232
Feb	2,425	3,089	2,813	4,875	2,371	1,253	1,225
Mar	2,476	3,009	2,780	4,375	2,366	1,199	1,215
Abr	2,499	2,996	2,786	4,750	2,368	1,222	1,225
May	2,324	2,920	2,674	4,750	2,457	1,249	1,249
Jun	2,443	2,921	2,709	4,500	2,650	1,281	1,281
Jul	2,432	2,924	2,705	4,125	2,739	1,373	1,373
Ago					2,758	1,421	1,421
2009
Ene	4,684	5,203	4,983	6,125	3,682	2,625	2,622
Feb	4,120	4,492	4,324	5,625	3,464	2,134	2,135
Mar	3,581	3,997	3,821	5,125	3,202	1,908	1,909
Abr	3,355	3,743	3,573	5,000	2,980	1,771	1,771
May	3,154	3,616	3,411	4,875	2,832	1,644	1,644
Jun	3,010	3,496	3,294	4,750	2,748	1,610	1,610
Jul	2,945	3,375	3,187	4,875	2,663	1,412	1,412
Ago	2,811	3,290	3,084	4,875	2,572	1,334	1,334
Sep	2,632	3,260	2,990	4,875	2,496	1,261	1,261
Octu	2,554	3,182	2,921	5,000	2,470	1,243	1,243
Novi	2,487	3,123	2,859	4,875	2,437	1,231	1,231
Dici	2,484	3,058	2,819	4,625	2,372	1,241	1,242
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	5,777	5,808	5,794	6,375	3,975	5,338	5,361
Jul	5,960	6,044	6,006	6,500	4,130	5,361	5,393
Ago	6,150	6,275	6,218	6,875	4,249	5,292	5,323
Sep	6,176	6,338	6,265	6,875	4,341	5,334	5,384
Oct	6,159	6,331	6,253	7,000	4,315	5,277	5,248
Nov	6,166	6,341	6,258	7,000	4,190	4,424	4,350
Dic	5,635	6,084	5,891	6,625	3,960	3,455	3,452
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	2,220	2,216
Feb	3,342	3,533	3,446	4,875	3,107	2,166	2,163
Mar	3,241	3,460	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	4,190	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	3,310	3,539	3,432	4,875	2,904	2,409	2,410
Dic	3,374	3,533	3,458	4,625	3,023	2,383	2,381
2002
Ene	4,562	4,912	4,737	6,000	4,090	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	3,860
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	5,100	5,009	5,875	4,448	3,643	3,645
Ago	4,883	5,103	4,999	6,000	4,360	3,437	3,440
Sep	4,698	4,925	4,818	6,125	4,203	3,241	3,236
Oct	4,542	4,815	4,690	5,750	4,027	3,127	3,126
Nov	4,408	4,609	4,517	5,750	3,857	3,020	3,017
Dic	4,253	4,490	4,380	5,500	3,703	2,878	2,872
2001
Ene	6,248	6,532	6,390	7,250	5,122	4,564	4,574
Feb	6,128	6,433	6,280	7,000	5,000	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	4,460	4,481
May	5,757	6,099	5,926	6,750	4,661	4,499	4,520
Jun	5,640	5,971	5,806	6,750	4,618	4,310	4,312
Jul	5,634	5,908	5,768	6,625	4,610	4,310	4,311
Ago	5,587	5,852	5,723	6,625	4,571	4,107	4,108
Sep	5,480	5,772	5,627	6,625	4,519	3,771	3,770
Oct	5,206	5,582	5,390	6,500	4,401	3,366	3,369
Nov	5,009	5,372	5,190	6,125	4,243	3,196	3,198
Dic	4,685	5,027	4,852	5,750	4,159	3,286	3,298
2000
Ene	4,997	5,087	5,040	6,125	4,561	3,924	3,949
Feb	5,118	5,217	5,166	6,250	4,689	4,099	4,111
Mar	5,173	5,296	5,231	6,125	4,795	4,259	4,267
Abr	5,320	5,391	5,353	6,125	4,826	4,348	4,365
May	5,490	5,557	5,522	6,375	4,965	4,847	4,849
Jun	5,653	5,753	5,703	6,500	5,054	4,959	4,965
Jul	5,883	5,899	5,891	6,750	5,115	5,097	5,105
Ago	5,977	6,080	6,029	7,000	5,180	5,247	5,248
Sep	6,238	6,227	6,232	7,000	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	6,260	6,485	6,371	7,000	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	4,950	6,125	3,513	3,035	3,030
Mar	4,654	5,007	4,816	6,000	3,435	3,031	3,046
Abr	4,599	4,997	4,787	5,875	3,349	2,709	2,756
May	4,454	4,861	4,644	5,875	3,272	2,656	2,683
Jun	4,296	4,733	4,502	5,625	3,310	2,780	2,836
Jul	4,263	4,626	4,435	5,625	3,442	3,018	3,030
Ago	4,316	4,648	4,471	5,750	3,599	3,233	3,237
Sep	4,436	4,666	4,545	5,750	3,758	3,260	3,301
Oct	4,578	4,762	4,665	5,875	4,004	3,607	3,684
Nov	4,772	4,847	4,807	5,750	4,217	3,659	3,689
Dic	4,876	5,016	4,940	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	5,980	7,125	4,947	4,325
Mar	5,827	5,978	5,896	7,000	4,823	4,161
Abr	5,659	5,906	5,776	6,750	4,707	4,215
May	5,603	5,817	5,700	7,000	4,613	4,220
Jun	5,545	5,744	5,636	6,750	4,547	4,191
Jul	5,513	5,690	5,592	6,750	4,508	4,137
Ago	5,572	5,697	5,628	6,875	4,464	4,066
Sep	5,439	5,680	5,548	6,750	4,374	3,830
Oct	5,428	5,575	5,495	6,625	4,245	3,635
Nov	5,176	5,440	5,296	6,375	4,055	3,618
Dic	5,052	5,265	5,150	6,125	3,864	3,240
1997
Ene	7,573	8,255	7,867	9,000	6,738	5,491
Feb	7,337	7,922	7,604	8,625	6,387	5,580
Mar	7,216	7,568	7,379	8,500	6,155	5,788
Abr	7,068	7,355	7,195	8,250	5,981	5,504
May	6,971	7,266	7,104	8,000	5,815	5,170
Jun	6,717	6,949	6,820	7,875	5,680	5,101
Jul	6,624	6,824	6,715	7,625	5,600	5,125
Ago	6,489	6,687	6,584	7,750	5,552	5,211
Sep	6,463	6,580	6,518	7,625	5,410	4,990
Oct	6,384	6,662	6,509	7,500	5,282	4,985
Nov	6,252	6,537	6,385	7,375	5,230	4,807
Dic	6,196	6,328	6,255	7,250	5,167	4,623
1996
Ene	10,733	10,834	10,810	11,625	9,997	8,659
Feb	10,507	10,598	10,561	11,500	9,695	8,473
Mar	10,152	10,364	10,284	11,250	9,470	8,365
Abr	9,985	10,064	10,045	11,000	9,129	7,585
May	9,541	9,897	9,729	10,750	8,820	7,419
Jun	9,133	9,644	9,392	10,625	8,592	7,276
Jul	9,009	9,369	9,195	10,250	8,364	7,201
Ago	8,957	9,143	9,057	10,375	8,172	7,269
Sep	8,813	9,053	8,938	10,000	7,916	6,975
Oct	8,740	8,905	8,813	9,875	7,654	6,668
Nov	8,289	8,649	8,444	9,500	7,397	6,388
Dic	8,025	8,345	8,174	9,250	7,098	5,994
1995
Ene	10,343	10,432	10,428	11,250	10,793	10,422
Feb	10,631	10,584	10,610	11,375	10,976	9,942
Mar	10,913	10,806	10,875	11,625	11,187	10,506
Abr	10,943	11,014	10,997	11,750	11,327	10,409
May	11,356	11,006	11,186	11,875	11,416	10,300
Jun	11,265	11,026	11,155	11,875	11,468	10,363
Jul	11,328	11,028	11,217	11,875	11,388	10,272
Ago	11,560	11,151	11,385	12,125	11,287	9,982
Sep	11,422	11,166	11,303	12,125	11,011	9,572
Oct	11,222	11,037	11,156	12,125	10,828	9,634
Nov	11,236	11,018	11,135	11,875	10,653	9,430
Dic	11,157	10,803	11,010	11,750	10,365	9,136
1994
Ene	11,379	11,438	11,351	12,125	8,236	8,090
Feb	10,942	11,425	11,079	12,000	8,027	8,139
Mar	10,565	11,143	10,792	11,500	7,959	8,041
Abr	10,313	10,820	10,535	11,250	7,966	7,879
May	9,952	10,606	10,277	11,000	8,069	7,835
Jun	9,742	10,484	10,124	11,000	8,363	8,198
Jul	9,855	10,232	10,046	10,625	8,748	8,345
Ago	9,950	10,275	10,101	11,000	9,179	8,482
Sep	9,955	10,216	10,129	10,875	9,604	8,875
Oct	10,062	10,282	10,229	10,875	9,969	8,970
Nov	9,784	10,304	10,071	11,000	10,287	9,019
Dic	10,115	10,378	10,255	10,875	10,531	9,445
1993
Ene	15,920	15,000	15,440	14,875	13,351	13,843
Feb	15,910	14,940	15,420	14,750	13,146	13,051
Mar	15,680	14,760	15,260	14,750	12,814	13,245
Abr	15,550	14,800	15,180	14,750	12,442	13,028
May	15,140	14,710	14,890	14,635	12,077	11,963
Jun	14,480	14,150	14,280	14,000	11,541	10,409
Jul	14,180	13,670	13,860	13,750	11,067	10,221
Ago	14,060	13,560	13,780	13,625	10,563	9,784
Sep	13,640	13,370	13,430	13,375	10,016	9,334
Oct	12,570	12,910	12,690	13,000	9,475	9,102
Nov	11,910	12,480	12,030	12,750	9,000	8,742
Dic	11,570	12,160	11,730	12,375	8,607	8,238
1992
Ene	15,580	14,910	15,210	14,625	11,821	12,761
Feb	15,580	14,930	15,120	14,625	11,722	12,572
Mar	15,170	14,850	15,000	14,625	11,701	12,528
Abr	15,000	14,660	14,820	14,375	11,691	12,567
May	15,180	14,620	14,930	14,500	11,627	12,485
Jun	14,940	14,510	14,730	14,250	11,638	12,794
Jul	15,070	14,430	14,760	14,250	11,824	13,137
Ago	15,230	14,490	14,920	14,375	12,107	13,892
Sep	15,340	14,530	14,960	14,500	12,483	14,173
Oct	15,660	14,640	15,150	14,625	12,875	14,173
Nov	15,600	14,830	15,240	14,630	13,128	14,119
Dic	15,720	14,980	15,410	14,625	13,337	14,507
1991
Ene	17,200	16,570	16,920	16,000	14,718	15,292
Feb	17,170	16,220	16,760	15,875	14,631	14,585
Mar	17,120	16,250	16,760	15,750	14,327	13,590
Abr	16,900	16,100	16,540	15,750	13,912	13,136
May	16,370	16,170	16,330	15,750	13,463	12,519
Jun	16,130	15,710	15,930	15,375	13,043	12,233
Jul	15,760	15,690	15,730	15,125	12,619	12,646
Ago	15,910	15,280	15,620	15,000	12,289	12,656
Sep	16,040	15,550	15,740	15,125	12,053	12,274
Oct	15,620	15,280	15,450	14,875	11,892	12,436
Nov	15,780	15,160	15,460	14,875	11,890	12,682
Dic	15,670	14,750	15,210	14,500	11,906	12,925
1990
Ene	16,550	15,100	.	14,875	14,064	15,643
Feb	16,540	15,260	.	15,000	14,211	15,703
Mar	16,630	15,330	.	15,250	14,401	15,786
Abr	16,780	15,640	.	15,375	14,556	15,446
May	16,830	15,740	.	15,500	14,665	15,461
Jun	17,010	15,810	.	15,500	14,646	15,260
Jul	16,870	15,870	.	15,625	14,638	15,200
Ago	16,780	15,850	.	15,625	14,646	15,317
Sep	16,780	15,750	.	15,625	14,688	15,714
Oct	17,170	15,810	.	15,625	14,701	15,319
Nov	17,180	16,290	16,770	15,875	14,696	15,197
Dic	16,840	16,280	16,660	16,000	14,706	15,268