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.
Con leer esto veo el tipo de cultura medio de este foro, os quejáis que el irph esta alto, estáis en la página de IRPH, podéis ver a cuanto esta actualmente, si le sumáis vuestro diferencial os llevaréis la grata sorpresa de que os están cobrando lo que corresponde, al que no le sea así que denuncie, pero al resto? así va España, si está llena de llorones, y que firman algo sin leer!! buscar trabajo, o estudiar que así podréis pagar mejor.
Gracias