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.
- atención al cliente, ANA MARIA LLAMAS
- Blanca Garcia de ASNEF su Email es: bgarcia@asnef.com
En Barcelona las sentencias no están siendo tan claras como en otros lugares y lo mejor es esperar a la sentencia del Tribunal Supremo.
Tienes que tener claro que con un 4,25% de interés que estás pagando ahora te van a devolver mucho dinero.
En www.reclamapormi.com lo que hacen es ir adelantando el trámite presentando ya la reclamación exrajudicial para que cuando salga la sentencia que se espera que sea positiva puedan meter la demanda cuanto antes ya que va a haber una auténtica avalancha de casos. Es mejor ir adelantando porque con una reclamación extrajudicial no hay riesgo de perder ningún juicio y ya vas dando los pasos necesarios.