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Euribor-linked mortgages

Do you have an ABN AMRO mortgage that is linked to Euribor?

Euribor-linked mortgages have not been available to new borrowers since 2009. If you have an existing mortgage that is linked to Euribor, there are some aspects you need to consider.

Relevant aspects to consider:

  • You cannot renew the term of a mortgage component that is linked to Euribor.
  • If you are moving house, you cannot transfer the Euribor rate to a new mortgage. If you have a former Fortis mortgage, you may be able to transfer the Euribor rate to a new mortgage.
  • If the interest rate on an existing loan is up for revision, Euribor will no longer be offered.

Read more about ongoing legal proceedings involving the margin on the Euribor rate.

Please do not hesitate to call us if you have any further questions about your Euribor-linked mortgage. You can also schedule an appointment online.

What is Euribor?

Euribor stands for Euro Interbank Offered Rate. Many European banks issue loans in euros at this variable interest rate. The Euribor rate is set every day at 11 a.m. and communicated to all stakeholders and to the press.

The level of the Euribor rate depends mainly on economic conditions: the growth of the economy and the level of inflation. Euribor is unpredictable as a result.

What is the Euribor rate?

If you have a mortgage that is linked to the Euribor rate, your mortgage payments will consist of:

  • 1-month Euribor: the level of this rate can change from month to month. For more details, see your monthly interest confirmation letter.
  • A margin: this margin is meant to cover our costs. We review our cost levels every three months. Based on our review, we decide whether to lower or raise your margin.

Euribor is a benchmark

The interest rate is based, in part, on the Euribor rate. This is a so-called benchmark. The European Money Markets Institute (EMMI) is responsible for providing the Euribor index. EMMI sets and publishes the benchmark.

Possible Euribor replacement

In the future, it may be the case that we are no longer permitted to use the 1-month Euribor, for instance due to changes in legislation and/or regulations. Euribor currently satisfies the regulations, which is why we are still using it. If this changes, we will contact you.

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