Gráficos IRPH y Euríbor + datos desde 2000
En esta página tienes el gráfico del IRPH, el gráfico del Euríbor, el gráfico dual y una tabla combinada (IRPH, Euríbor y diferencia) desde el año 2000. Sirve para ver de un vistazo cómo se movieron ambos índices en la burbuja, la crisis, los tipos negativos y el repunte de 2022–2023.
Gráfico dual IRPH – Euríbor
Gráfico solo IRPH
Gráfico solo Euríbor
Tabla de datos: IRPH, Euríbor y diferencia
Valores mes a mes. La columna Dif. es IRPH − Euríbor (puntos porcentuales). Desplázate horizontalmente en móvil.
| Mes | IRPH % | Euríbor % | Dif. |
|---|---|---|---|
| 2026-08 | 3,134 | 2,954 | 0,180 |
| 2026-07 | 3,077 | 2,855 | 0,222 |
| 2026-06 | 3,049 | 2,798 | 0,251 |
| 2026-05 | 2,986 | 2,804 | 0,182 |
| 2026-04 | 2,882 | 2,747 | 0,135 |
| 2026-03 | 2,840 | 2,565 | 0,275 |
| 2026-02 | 2,819 | 2,221 | 0,598 |
| 2026-01 | 2,762 | 2,245 | 0,517 |
| 2025-12 | 2,788 | 2,267 | 0,521 |
| 2025-11 | 2,807 | 2,217 | 0,590 |
| 2025-10 | 2,796 | 2,187 | 0,609 |
| 2025-09 | 2,695 | 2,172 | 0,523 |
| 2025-08 | 2,791 | 2,114 | 0,677 |
| 2025-07 | 2,748 | 2,079 | 0,669 |
| 2025-06 | 2,802 | 2,081 | 0,721 |
| 2025-05 | 2,852 | 2,081 | 0,771 |
| 2025-04 | 2,851 | 2,143 | 0,708 |
| 2025-03 | 2,923 | 2,398 | 0,525 |
| 2025-02 | 2,872 | 2,407 | 0,465 |
| 2025-01 | 2,960 | 2,525 | 0,435 |
| 2024-12 | 3,105 | 2,436 | 0,669 |
| 2024-11 | 3,206 | 2,506 | 0,700 |
| 2024-10 | 3,423 | 2,691 | 0,732 |
| 2024-09 | 3,506 | 2,936 | 0,570 |
| 2024-08 | 3,671 | 3,166 | 0,505 |
| 2024-07 | 3,728 | 3,526 | 0,202 |
| 2024-06 | 3,710 | 3,650 | 0,060 |
| 2024-05 | 3,861 | 3,680 | 0,181 |
| 2024-04 | 3,823 | 3,703 | 0,120 |
| 2024-03 | 3,901 | 3,718 | 0,183 |
| 2024-02 | 3,985 | 3,671 | 0,314 |
| 2024-01 | 4,062 | 3,609 | 0,453 |
| 2023-12 | 4,219 | 3,679 | 0,540 |
| 2023-11 | 4,276 | 4,022 | 0,254 |
| 2023-10 | 4,330 | 4,160 | 0,170 |
| 2023-09 | 4,305 | 4,149 | 0,156 |
| 2023-08 | 4,237 | 4,073 | 0,164 |
| 2023-07 | 4,186 | 4,149 | 0,037 |
| 2023-06 | 4,045 | 4,007 | 0,038 |
| 2023-05 | 3,967 | 3,862 | 0,105 |
| 2023-04 | 3,683 | 3,757 | -0,074 |
| 2023-03 | 3,664 | 3,647 | 0,017 |
| 2023-02 | 3,585 | 3,534 | 0,051 |
| 2023-01 | 3,345 | 3,337 | 0,008 |
| 2022-12 | 3,116 | 3,018 | 0,098 |
| 2022-11 | 2,877 | 2,828 | 0,049 |
| 2022-10 | 2,666 | 2,629 | 0,037 |
| 2022-09 | 2,410 | 2,233 | 0,177 |
| 2022-08 | 2,198 | 1,249 | 0,949 |
| 2022-07 | 1,986 | 0,992 | 0,994 |
| 2022-06 | 1,799 | 0,852 | 0,947 |
| 2022-05 | 1,624 | 0,287 | 1,337 |
| 2022-04 | 1,540 | 0,013 | 1,527 |
| 2022-03 | 1,513 | -0,237 | 1,750 |
| 2022-02 | 1,481 | -0,335 | 1,816 |
| 2022-01 | 1,485 | -0,477 | 1,962 |
| 2021-12 | 1,448 | -0,502 | 1,950 |
| 2021-11 | 1,412 | -0,487 | 1,899 |
| 2021-10 | 1,467 | -0,477 | 1,944 |
| 2021-09 | 1,489 | -0,492 | 1,981 |
| 2021-08 | 1,529 | -0,498 | 2,027 |
| 2021-07 | 1,485 | -0,491 | 1,976 |
| 2021-06 | 1,527 | -0,484 | 2,011 |
| 2021-05 | 1,507 | -0,481 | 1,988 |
| 2021-04 | 1,480 | -0,484 | 1,964 |
| 2021-03 | 1,571 | -0,487 | 2,058 |
| 2021-02 | 1,565 | -0,501 | 2,066 |
| 2021-01 | 1,558 | -0,505 | 2,063 |
| 2020-12 | 1,563 | -0,497 | 2,060 |
| 2020-11 | 1,661 | -0,481 | 2,142 |
| 2020-10 | 1,663 | -0,466 | 2,129 |
| 2020-09 | 1,700 | -0,415 | 2,115 |
| 2020-08 | 1,743 | -0,359 | 2,102 |
| 2020-07 | 1,745 | -0,279 | 2,024 |
| 2020-06 | 1,744 | -0,147 | 1,891 |
| 2020-05 | 1,745 | -0,081 | 1,826 |
| 2020-04 | 1,754 | -0,108 | 1,862 |
| 2020-03 | 1,765 | -0,266 | 2,031 |
| 2020-02 | 1,816 | -0,288 | 2,104 |
| 2020-01 | 1,825 | -0,253 | 2,078 |
| 2019-12 | 1,807 | -0,261 | 2,068 |
| 2019-11 | 1,803 | -0,272 | 2,075 |
| 2019-10 | 1,806 | -0,304 | 2,110 |
| 2019-09 | 1,825 | -0,339 | 2,164 |
| 2019-08 | 1,913 | -0,356 | 2,269 |
| 2019-07 | 1,836 | -0,283 | 2,119 |
| 2019-06 | 2,041 | -0,190 | 2,231 |
| 2019-05 | 2,052 | -0,134 | 2,186 |
| 2019-04 | 2,017 | -0,112 | 2,129 |
| 2019-03 | 2,039 | -0,109 | 2,148 |
| 2019-02 | 2,056 | -0,108 | 2,164 |
| 2019-01 | 2,022 | -0,116 | 2,138 |
| 2018-12 | 2,037 | -0,129 | 2,166 |
| 2018-11 | 2,009 | -0,147 | 2,156 |
| 2018-10 | 1,932 | -0,154 | 2,086 |
| 2018-09 | 1,891 | -0,166 | 2,057 |
| 2018-08 | 1,932 | -0,169 | 2,101 |
| 2018-07 | 1,854 | -0,180 | 2,034 |
| 2018-06 | 1,862 | -0,181 | 2,043 |
| 2018-05 | 1,892 | -0,188 | 2,080 |
| 2018-04 | 1,905 | -0,190 | 2,095 |
| 2018-03 | 1,895 | -0,191 | 2,086 |
| 2018-02 | 1,900 | -0,191 | 2,091 |
| 2018-01 | 1,938 | -0,189 | 2,127 |
| 2017-12 | 1,902 | -0,190 | 2,092 |
| 2017-11 | 1,910 | -0,189 | 2,099 |
| 2017-10 | 1,904 | -0,180 | 2,084 |
| 2017-09 | 1,873 | -0,168 | 2,041 |
| 2017-08 | 1,953 | -0,156 | 2,109 |
| 2017-07 | 1,929 | -0,154 | 2,083 |
| 2017-06 | 1,913 | -0,149 | 2,062 |
| 2017-05 | 1,947 | -0,127 | 2,074 |
| 2017-04 | 1,906 | -0,119 | 2,025 |
| 2017-03 | 1,879 | -0,110 | 1,989 |
| 2017-02 | 1,881 | -0,106 | 1,987 |
| 2017-01 | 1,928 | -0,095 | 2,023 |
| 2016-12 | 1,874 | -0,080 | 1,954 |
| 2016-11 | 1,936 | -0,074 | 2,010 |
| 2016-10 | 1,921 | -0,069 | 1,990 |
| 2016-09 | 1,903 | -0,057 | 1,960 |
| 2016-08 | 1,957 | -0,048 | 2,005 |
| 2016-07 | 2,007 | -0,056 | 2,063 |
| 2016-06 | 1,970 | -0,028 | 1,998 |
| 2016-05 | 1,890 | -0,013 | 1,903 |
| 2016-04 | 2,030 | -0,010 | 2,040 |
| 2016-03 | 1,919 | -0,012 | 1,931 |
| 2016-02 | 2,007 | -0,008 | 2,015 |
| 2016-01 | 2,014 | 0,042 | 1,972 |
| 2015-12 | 2,054 | 0,059 | 1,995 |
| 2015-11 | 2,132 | 0,079 | 2,053 |
| 2015-10 | 2,127 | 0,128 | 1,999 |
| 2015-09 | 2,127 | 0,154 | 1,973 |
| 2015-08 | 2,165 | 0,161 | 2,004 |
| 2015-07 | 2,145 | 0,167 | 1,978 |
| 2015-06 | 2,137 | 0,163 | 1,974 |
| 2015-05 | 2,182 | 0,165 | 2,017 |
| 2015-04 | 2,207 | 0,180 | 2,027 |
| 2015-03 | 2,324 | 0,212 | 2,112 |
| 2015-02 | 2,457 | 0,255 | 2,202 |
| 2015-01 | 2,436 | 0,298 | 2,138 |
| 2014-12 | 2,557 | 0,329 | 2,228 |
| 2014-11 | 2,606 | 0,335 | 2,271 |
| 2014-10 | 2,819 | 0,338 | 2,481 |
| 2014-09 | 2,819 | 0,362 | 2,457 |
| 2014-08 | 2,868 | 0,469 | 2,399 |
| 2014-07 | 2,875 | 0,488 | 2,387 |
| 2014-06 | 2,896 | 0,513 | 2,383 |
| 2014-05 | 2,975 | 0,592 | 2,383 |
| 2014-04 | 3,086 | 0,604 | 2,482 |
| 2014-03 | 3,177 | 0,577 | 2,600 |
| 2014-02 | 3,199 | 0,549 | 2,650 |
| 2014-01 | 3,274 | 0,562 | 2,712 |
| 2013-12 | 3,287 | 0,543 | 2,744 |
| 2013-11 | 3,393 | 0,506 | 2,887 |
| 2013-10 | 3,252 | 0,541 | 2,711 |
| 2013-09 | 3,252 | 0,543 | 2,709 |
| 2013-08 | 3,158 | 0,542 | 2,616 |
| 2013-07 | 3,167 | 0,525 | 2,642 |
| 2013-06 | 3,210 | 0,507 | 2,703 |
| 2013-05 | 3,292 | 0,484 | 2,808 |
| 2013-04 | 3,378 | 0,528 | 2,850 |
| 2013-03 | 3,415 | 0,545 | 2,870 |
| 2013-02 | 3,219 | 0,594 | 2,625 |
| 2013-01 | 3,216 | 0,575 | 2,641 |
| 2012-12 | 3,023 | 0,549 | 2,474 |
| 2012-11 | 2,992 | 0,588 | 2,404 |
| 2012-10 | 3,078 | 0,650 | 2,428 |
| 2012-09 | 3,347 | 0,740 | 2,607 |
| 2012-08 | 3,430 | 0,877 | 2,553 |
| 2012-07 | 3,488 | 1,061 | 2,427 |
| 2012-06 | 3,481 | 1,219 | 2,262 |
| 2012-05 | 3,453 | 1,266 | 2,187 |
| 2012-04 | 3,617 | 1,368 | 2,249 |
| 2012-03 | 3,624 | 1,499 | 2,125 |
| 2012-02 | 3,737 | 1,678 | 2,059 |
| 2012-01 | 3,716 | 1,837 | 1,879 |
| 2011-12 | 3,626 | 2,004 | 1,622 |
| 2011-11 | 3,696 | 2,044 | 1,652 |
| 2011-10 | 3,586 | 2,110 | 1,476 |
| 2011-09 | 3,570 | 2,067 | 1,503 |
| 2011-08 | 3,533 | 2,097 | 1,436 |
| 2011-07 | 3,540 | 2,183 | 1,357 |
| 2011-06 | 3,458 | 2,144 | 1,314 |
| 2011-05 | 3,355 | 2,147 | 1,208 |
| 2011-04 | 3,226 | 2,086 | 1,140 |
| 2011-03 | 3,120 | 1,924 | 1,196 |
| 2011-02 | 2,962 | 1,714 | 1,248 |
| 2011-01 | 2,918 | 1,550 | 1,368 |
| 2010-12 | 2,774 | 1,526 | 1,248 |
| 2010-11 | 2,825 | 1,540 | 1,285 |
| 2010-10 | 2,795 | 1,495 | 1,300 |
| 2010-09 | 2,799 | 1,420 | 1,379 |
| 2010-08 | 2,766 | 1,421 | 1,345 |
| 2010-07 | 2,705 | 1,373 | 1,332 |
| 2010-06 | 2,709 | 1,281 | 1,428 |
| 2010-05 | 2,674 | 1,249 | 1,425 |
| 2010-04 | 2,786 | 1,225 | 1,561 |
| 2010-03 | 2,780 | 1,215 | 1,565 |
| 2010-02 | 2,813 | 1,225 | 1,588 |
| 2010-01 | 2,810 | 1,232 | 1,578 |
| 2009-12 | 2,819 | 1,242 | 1,577 |
| 2009-11 | 2,859 | 1,231 | 1,628 |
| 2009-10 | 2,921 | 1,243 | 1,678 |
| 2009-09 | 2,990 | 1,261 | 1,729 |
| 2009-08 | 3,084 | 1,334 | 1,750 |
| 2009-07 | 3,187 | 1,412 | 1,775 |
| 2009-06 | 3,294 | 1,610 | 1,684 |
| 2009-05 | 3,411 | 1,644 | 1,767 |
| 2009-04 | 3,573 | 1,771 | 1,802 |
| 2009-03 | 3,821 | 1,909 | 1,912 |
| 2009-02 | 4,324 | 2,135 | 2,189 |
| 2009-01 | 4,983 | 2,622 | 2,361 |
| 2008-12 | 5,891 | 3,452 | 2,439 |
| 2008-11 | 6,258 | 4,350 | 1,908 |
| 2008-10 | 6,253 | 5,248 | 1,005 |
| 2008-09 | 6,265 | 5,384 | 0,881 |
| 2008-08 | 6,218 | 5,323 | 0,895 |
| 2008-07 | 6,006 | 5,393 | 0,613 |
| 2008-06 | 5,794 | 5,361 | 0,433 |
| 2008-05 | 5,587 | 4,994 | 0,593 |
| 2008-04 | 5,418 | 4,820 | 0,598 |
| 2008-03 | 5,404 | 4,590 | 0,814 |
| 2008-02 | 5,582 | 4,349 | 1,233 |
| 2008-01 | 5,611 | 4,498 | 1,113 |
| 2007-12 | 5,562 | 4,793 | 0,769 |
| 2007-11 | 5,585 | 4,607 | 0,978 |
| 2007-10 | 5,551 | 4,647 | 0,904 |
| 2007-09 | 5,497 | 4,724 | 0,773 |
| 2007-08 | 5,422 | 4,666 | 0,756 |
| 2007-07 | 5,326 | 4,564 | 0,762 |
| 2007-06 | 5,190 | 4,505 | 0,685 |
| 2007-05 | 5,092 | 4,373 | 0,719 |
| 2007-04 | 5,008 | 4,253 | 0,755 |
| 2007-03 | 4,975 | 4,106 | 0,869 |
| 2007-02 | 4,890 | 4,094 | 0,796 |
| 2007-01 | 4,811 | 4,064 | 0,747 |
| 2006-12 | 4,753 | 3,921 | 0,832 |
| 2006-11 | 4,645 | 3,864 | 0,781 |
| 2006-10 | 4,562 | 3,799 | 0,763 |
| 2006-09 | 4,451 | 3,715 | 0,736 |
| 2006-08 | 4,355 | 3,615 | 0,740 |
| 2006-07 | 4,229 | 3,539 | 0,690 |
| 2006-06 | 4,132 | 3,401 | 0,731 |
| 2006-05 | 4,048 | 3,308 | 0,740 |
| 2006-04 | 3,852 | 3,221 | 0,631 |
| 2006-03 | 3,756 | 3,105 | 0,651 |
| 2006-02 | 3,701 | 2,914 | 0,787 |
| 2006-01 | 3,591 | 2,833 | 0,758 |
| 2005-12 | 3,404 | 2,783 | 0,621 |
| 2005-11 | 3,264 | 2,684 | 0,580 |
| 2005-10 | 3,225 | 2,414 | 0,811 |
| 2005-09 | 3,197 | 2,219 | 0,978 |
| 2005-08 | 3,190 | 2,223 | 0,967 |
| 2005-07 | 3,196 | 2,168 | 1,028 |
| 2005-06 | 3,270 | 2,103 | 1,167 |
| 2005-05 | 3,318 | 2,193 | 1,125 |
| 2005-04 | 3,325 | 2,265 | 1,060 |
| 2005-03 | 3,343 | 2,335 | 1,008 |
| 2005-02 | 3,332 | 2,310 | 1,022 |
| 2005-01 | 3,334 | 2,312 | 1,022 |
| 2004-12 | 3,349 | 2,301 | 1,048 |
| 2004-11 | 3,383 | 2,328 | 1,055 |
| 2004-10 | 3,332 | 2,316 | 1,016 |
| 2004-09 | 3,367 | 2,377 | 0,990 |
| 2004-08 | 3,392 | 2,302 | 1,090 |
| 2004-07 | 3,323 | 2,361 | 0,962 |
| 2004-06 | 3,307 | 2,404 | 0,903 |
| 2004-05 | 3,255 | 2,297 | 0,958 |
| 2004-04 | 3,279 | 2,163 | 1,116 |
| 2004-03 | 3,358 | 2,055 | 1,303 |
| 2004-02 | 3,446 | 2,163 | 1,283 |
| 2004-01 | 3,475 | 2,216 | 1,259 |
| 2003-12 | 3,458 | 2,381 | 1,077 |
| 2003-11 | 3,432 | 2,410 | 1,022 |
| 2003-10 | 3,442 | 2,303 | 1,139 |
| 2003-09 | 3,428 | 2,258 | 1,170 |
| 2003-08 | 3,470 | 2,279 | 1,191 |
| 2003-07 | 3,541 | 2,076 | 1,465 |
| 2003-06 | 3,707 | 2,014 | 1,693 |
| 2003-05 | 3,823 | 2,252 | 1,571 |
| 2003-04 | 3,886 | 2,447 | 1,439 |
| 2003-03 | 3,976 | 2,411 | 1,565 |
| 2003-02 | 4,146 | 2,504 | 1,642 |
| 2003-01 | 4,252 | 2,705 | 1,547 |
| 2002-12 | 4,380 | 2,873 | 1,507 |
| 2002-11 | 4,517 | 3,017 | 1,500 |
| 2002-10 | 4,690 | 3,126 | 1,564 |
| 2002-09 | 4,818 | 3,236 | 1,582 |
| 2002-08 | 4,999 | 3,440 | 1,559 |
| 2002-07 | 5,009 | 3,645 | 1,364 |
| 2002-06 | 4,995 | 3,869 | 1,126 |
| 2002-05 | 4,985 | 3,963 | 1,022 |
| 2002-04 | 4,860 | 3,860 | 1,000 |
| 2002-03 | 4,785 | 3,816 | 0,969 |
| 2002-02 | 4,768 | 3,594 | 1,174 |
| 2002-01 | 4,737 | 3,483 | 1,254 |
| 2001-12 | 4,852 | 3,298 | 1,554 |
| 2001-11 | 5,190 | 3,198 | 1,992 |
| 2001-10 | 5,390 | 3,369 | 2,021 |
| 2001-09 | 5,627 | 3,770 | 1,857 |
| 2001-08 | 5,723 | 4,108 | 1,615 |
| 2001-07 | 5,768 | 4,311 | 1,457 |
| 2001-06 | 5,806 | 4,312 | 1,494 |
| 2001-05 | 5,926 | 4,520 | 1,406 |
| 2001-04 | 6,025 | 4,481 | 1,544 |
| 2001-03 | 6,147 | 4,471 | 1,676 |
| 2001-02 | 6,280 | 4,591 | 1,689 |
| 2001-01 | 6,390 | 4,574 | 1,816 |
| 2000-12 | 6,371 | 4,881 | 1,490 |
| 2000-11 | 6,348 | 5,193 | 1,155 |
| 2000-10 | 6,284 | 5,218 | 1,066 |
| 2000-09 | 6,232 | 5,219 | 1,013 |
| 2000-08 | 6,029 | 5,248 | 0,781 |
| 2000-07 | 5,891 | 5,105 | 0,786 |
| 2000-06 | 5,703 | 4,965 | 0,738 |
| 2000-05 | 5,522 | 4,849 | 0,673 |
| 2000-04 | 5,353 | 4,365 | 0,988 |
| 2000-03 | 5,231 | 4,267 | 0,964 |
| 2000-02 | 5,166 | 4,111 | 1,055 |
| 2000-01 | 5,040 | 3,949 | 1,091 |
Cómo leer estos datos
- El IRPH resume tipos de hipotecas ya formalizadas; el Euríbor, el mercado interbancario. No miden lo mismo.
- Una diferencia alta durante años explica parte del sobrecoste percibido en hipotecas IRPH frente a Euríbor (ver calculadora pagas de más).
- En 2022–2023 el Euríbor subió muy rápido y la diferencia se comprimió.
Más páginas
- IRPH histórico (tabla por años)
- Euríbor histórico
- Solo la diferencia IRPH−Euríbor
- Explicación IRPH vs Euríbor
- Comparativa ampliada de índices
Información orientativa. Fuentes: Banco de España / BOE e EMMI. No sustituye asesoramiento profesional.
Yo renovo en 25 de noviembre por lo cual sigo esperando el cambio para este año.
Lo que pasa es que mi sustituto es CECA que también desaparece y no se que me va a proponer Catalunya Caixa.
¿Alguien tiene alguna experiencia similar?
¿Me recomendáis ir a preguntar o esta mejor que espere a ver que dicen?
Pero como soy "ATENTO y PERSPICAZ" he visto que da la entrevista desde su jardín de casa que seguro es mas grande que el parque de mi barrio, no vendría nada mal hacerles primeramente una evaluación intelectual y ver como han llegado hasta ahí y seguidamente una auditoría para ver realmente si el nivel y tren de vida que llevan corresponde con lo que ganan y esto empezando por el supremo.