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Why is the EURIBOR rate different from the rate in my loan agreement?

The mortgage loan agreement shows the EURIBOR rate as of the date of drafting the agreement. Upon disbursement of the loan, the EURIBOR rate effective at the date of signing the agreement is applied to the agreement. Therefore, if the loan agreement is not signed the same day it has been drafted, the EURIBOR rate actually applied to the loan might differ from the initial rate set out in the agreement (i.e. if EURIBOR increases, the rate can be higher, if EURIBOR decreases, the rate can be lower). You can find the EURIBOR rate actually applied to your loan from our online banking or mobile app.

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