{"id":8057,"date":"2026-01-26T11:14:01","date_gmt":"2026-01-26T09:14:01","guid":{"rendered":"https:\/\/www.avafin.es\/?p=8057"},"modified":"2026-04-24T11:05:38","modified_gmt":"2026-04-24T09:05:38","slug":"quan-baixes-leuribor","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor","title":{"rendered":"Quan baixar\u00e0 l&#039;Euribor? Previsi\u00f3 per al 2026"},"content":{"rendered":"<p class=\"wp-block-paragraph\">L&#039;eur\u00edbor \u00e9s una d&#039;aquelles paraules que, encara que sona llunyana o t\u00e8cnica, pot afectar directament el dia a dia. Si tens una hipoteca variable o est\u00e0s pensant en demanar finan\u00e7ament, probablement et preguntis <strong>quan baixar\u00e0 l&#039;eur\u00edbor<\/strong> i com aquesta baixada pot influir a la butxaca. En aquest article de <a href=\"https:\/\/www.avafin.es\/ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Avafin<\/a>, t&#039;expliquem de manera clara i directa qu\u00e8 est\u00e0 passant amb l&#039;eur\u00edbor, quan podria comen\u00e7ar a baixar i qu\u00e8 pots fer mentrestant per protegir la teva economia familiar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 \u00e9s l&#039;eur\u00edbor i per qu\u00e8 afecta tant la teva butxaca<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;Eur\u00edbor s&#039;ha convertit en una de les xifres m\u00e9s esmentades pels que tenen una hipoteca o estan pensant demanar un pr\u00e9stec. I no n&#039;hi ha per menys: encara que \u00e9s un terme t\u00e8cnic, el seu impacte a l&#039;economia dom\u00e8stica pot ser molt directe. Comprendre qu\u00e8 \u00e9s l&#039;eur\u00edbor i com influeix el teu dia a dia t&#039;ajudar\u00e0 a prendre decisions financeres m\u00e9s informades.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu\u00e8 \u00e9s l&#039;eur\u00edbor<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>Eur\u00edbor (Euro Interbank Offered Rate)<\/strong> \u00e9s el tipus d&#039;inter\u00e8s a qu\u00e8 els principals bancs europeus es presten diners entre si. \u00c9s un \u00edndex de refer\u00e8ncia que canvia di\u00e0riament i que influeix directament en els productes financers que fem servir, especialment les <strong>hipoteques variables<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Per qu\u00e8 afecta les hipoteques variables<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La majoria de les hipoteques variables a Espanya estan referenciades a l&#039;eur\u00edbor. Aix\u00f2 vol dir que, si l&#039;eur\u00edbor puja, <strong>la teva quota mensual tamb\u00e9 pujar\u00e0<\/strong>, i si baixa, la teva quota baixa. A difer\u00e8ncia d&#039;una hipoteca a tipus fix, on saps quant pagar\u00e0s cada mes, les hipoteques variables estan subjectes a aquestes fluctuacions del mercat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Relaci\u00f3 directa amb la quota mensual<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan el banc revisa l&#039;inter\u00e8s de la teva hipoteca (normalment cada 6 o 12 mesos), aplica l&#039;eur\u00edbor vigent m\u00e9s un diferencial. Per aix\u00f2, una pujada de l&#039;eur\u00edbor es pot traduir en desenes o fins i tot centenars d&#039;euros m\u00e9s cada mes. Per aix\u00f2 la gran pregunta: <strong>quan baixar\u00e0 l&#039;eur\u00edbor?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Per qu\u00e8 l&#039;eur\u00edbor ha estat tan alt en els darrers anys<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si b\u00e9 l&#039;Eur\u00edbor va ser negatiu durant uns quants anys, a partir del 2022 va canviar radicalment de tend\u00e8ncia. Des de llavors, ha registrat pujades notables que han encarit les hipoteques variables a tot Europa. Per\u00f2 qu\u00e8 ha motivat aquest canvi tan brusc? Per entendre-ho, cal repassar el context econ\u00f2mic i les decisions del Banc Central Europeu que han marcat aquest cicle alcista.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pujades de tipus del BCE<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels motius principals ha estat la <strong>pujada de tipus d&#039;inter\u00e8s per part del Banc Central Europeu (BCE)<\/strong> per combatre la inflaci\u00f3. Quan el BCE apuja els tipus, l&#039;eur\u00edbor tendeix a pujar tamb\u00e9, encarint els pr\u00e9stecs per frenar el consum.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Inflaci\u00f3 a Europa<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En els darrers anys, Europa ha experimentat nivells d&#039;inflaci\u00f3 poc habituals. Aquesta pujada de preus ha portat el BCE a aplicar una pol\u00edtica monet\u00e0ria m\u00e9s agressiva, afectant directament l&#039;eur\u00edbor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pol\u00edtica monet\u00e0ria restrictiva<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;estrat\u00e8gia del BCE ha estat clara: apujar els tipus per refredar l&#039;economia. Aquesta pol\u00edtica, encara que necess\u00e0ria per frenar la inflaci\u00f3, ha provocat un eur\u00edbor m\u00e9s elevat i ha impactat milions de llars amb hipoteques variables.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quan baixar\u00e0 l&#039;eur\u00edbor? El que se sap avui dia<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La pregunta clau per a moltes fam\u00edlies. Encara que no hi ha una data exacta, s\u00ed que hi ha diversos elements que permeten preveure una tend\u00e8ncia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L&#039;Eur\u00edbor no baixa \u201cde cop\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les baixades de l&#039;eur\u00edbor no s\u00f3n ni brusques ni immediates. A difer\u00e8ncia d&#039;una pujada r\u00e0pida per una crisi o decisi\u00f3 urgent del BCE, les baixades solen ser <strong>graduals i sostingudes en el temps<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les baixades solen ser progressives<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tot apunta que, un cop es confirmi que la inflaci\u00f3 est\u00e0 sota control, el BCE comen\u00e7ar\u00e0 a retallar tipus de manera moderada. Aix\u00f2 permetr\u00e0 que l&#039;eur\u00edbor comenci a baixar <strong>de manera progressiva<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dep\u00e8n de decisions del BCE<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les decisions del BCE continuaran sent determinants. Si la inflaci\u00f3 s&#039;estabilitza i l&#039;economia ho permet, podrien iniciar baixades de tipus al llarg del 2026. Per aix\u00f2, mantenir-se informat \u00e9s clau per anticipar-se.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Previsi\u00f3 de l&#039;Eur\u00edbor per al 2026: escenaris possibles<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i que no hi ha certeses, podem considerar tres escenaris realistes per al comportament de l&#039;eur\u00edbor el 2026:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Escenari 1: Baixada gradual durant el 2026<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Despr\u00e9s de diversos anys de pujades, el 2026 podria marcar un punt d&#039;inflexi\u00f3 per a l&#039;eur\u00edbor. Tot i que no hi ha garanties absolutes, analistes i entitats financeres contemplen diferents escenaris en funci\u00f3 de com evolucioni la inflaci\u00f3, el creixement econ\u00f2mic i les decisions del BCE. A continuaci\u00f3, explorem les tres situacions m\u00e9s probables:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inflaci\u00f3 sota control a Europa.<\/li>\n\n\n\n<li>El BCE inicia una pol\u00edtica de tipus estables o fins i tot retallades lleus.<\/li>\n\n\n\n<li>Resultat: l&#039;eur\u00edbor baixa de manera gradual, <strong>alleujant progressivament les quotes hipotec\u00e0ries<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Escenari 2: Estancament durant part de l&#039;any<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i aix\u00f2, no tots els experts veuen tan clara una baixada continuada. Alguns preveuen un ritme m\u00e9s pausat, amb una possible fase d&#039;estancament, especialment si la inflaci\u00f3 es resisteix a estabilitzar-se completament o si l&#039;economia mostra signes de feblesa.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La inflaci\u00f3 baixa, per\u00f2 no prou.<\/li>\n\n\n\n<li>El BCE mant\u00e9 tipus alts durant m\u00e9s temps.<\/li>\n\n\n\n<li>Resultat: les quotes de les hipoteques es mantenen similars a les del 2025, generant incertesa. Planificar ser\u00e0 vital.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Escenari 3: Rebrots puntuals<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">D&#039;altra banda, hi ha un escenari menys optimista, en qu\u00e8 factors externs o desequilibris econ\u00f2mics tornin a generar tensions als mercats. En aquest cas, el descens de l&#039;Eur\u00edbor es podria endarrerir o fins i tot revertir temporalment.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Factors externs (com conflictes o crisis energ\u00e8tiques) reactiven tensions econ\u00f2miques.<\/li>\n\n\n\n<li>El BCE retarda les baixades o fins i tot aplica noves pujades.<\/li>\n\n\n\n<li>Resultat: la baixada de l&#039;eur\u00edbor s&#039;ajorna, afectant directament els <strong>pressupostos familiars<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Com afecta la baixada de l&#039;eur\u00edbor les hipoteques variables<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan l&#039;eur\u00edbor baixa, les hipoteques variables s&#039;abarateixen, per\u00f2 <strong>l&#039;efecte no \u00e9s immediat<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Revisi\u00f3 anual vs semestral<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El moment en qu\u00e8 ho notar\u00e0s dep\u00e8n de la freq\u00fc\u00e8ncia de revisi\u00f3 de la teva hipoteca:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si es revisa <strong>cada 12 mesos<\/strong>, el canvi pot trigar a notar-se.<\/li>\n\n\n\n<li>Si \u00e9s <strong>cada 6 mesos<\/strong>, limpacte \u00e9s m\u00e9s r\u00e0pid.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Quan es nota realment la baixada<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que l&#039;eur\u00edbor comenci a baixar, moltes fam\u00edlies no veuran reflectit aquest alleujament fins a la propera revisi\u00f3. Per aix\u00f2 \u00e9s important <strong>no prendre decisions precipitades<\/strong> basades nom\u00e9s en previsions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Exemple pr\u00e0ctic<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imagina que la teva revisi\u00f3 es fa al mar\u00e7 i l&#039;eur\u00edbor comen\u00e7a a baixar al juny. No notar\u00e0s el canvi fins al mar\u00e7 del seg\u00fcent any. Aix\u00f2 mostra la import\u00e0ncia d&#039;entendre b\u00e9 els temps i les condicions del teu contracte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 significa l&#039;Eur\u00edbor per a la teva economia mensual el 2026<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La baixada de l&#039;eur\u00edbor no \u00e9s nom\u00e9s una xifra financera; t\u00e9 un impacte real i directe al teu dia a dia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pressupost familiar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una quota m\u00e9s baixa suposa <strong>m\u00e9s marge al teu pressupost<\/strong>, permetent respirar amb m\u00e9s tranquil\u00b7litat a final de mes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Capacitat destalvi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Amb menors pagaments hipotecaris, podries <strong>comen\u00e7ar a estalviar<\/strong> o fins i tot avan\u00e7ar pagaments del teu pr\u00e9stec.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Estr\u00e8s o alleujament a final de mes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Per a moltes fam\u00edlies, una baixada de l&#039;eur\u00edbor suposar\u00e0 un <strong>alleujament important<\/strong>, reduint l&#039;estr\u00e8s econ\u00f2mic que generen les pujades imprevistes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 fer mentre l&#039;Eur\u00edbor no baixa<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mentrestant, hi ha decisions intel\u00b7ligents que pots prendre per adaptar-te:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ajustar despeses mensuals<\/strong> i eliminar all\u00f2 prescindible.<\/li>\n\n\n\n<li><strong>Reorganitzar pagaments<\/strong>, prioritzant deutes m\u00e9s costosos.<\/li>\n\n\n\n<li><strong>Evitar decisions impulsives<\/strong>, com canviar a tipus fix sense analitzar b\u00e9 les condicions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, pots valorar solucions puntuals com els <a href=\"https:\/\/www.avafin.es\/ca\/minicredits\/\" target=\"_blank\" rel=\"noreferrer noopener\">minicr\u00e8dits online<\/a> per reorganitzar les teves finances, sempre que tinguis clar com i quan tornar-los.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Difer\u00e8ncia entre problemes a llarg termini i solucions puntuals<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan l&#039;Eur\u00edbor puja, moltes fam\u00edlies busquen sortides r\u00e0pides per mantenir a la superf\u00edcie la seva economia. Per\u00f2 \u00e9s fonamental distingir entre una soluci\u00f3 temporal i un problema estructural. No tot es pot (ni cal) resoldre amb un cr\u00e8dit immediat o una renegociaci\u00f3 a\u00efllada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipoteca \u2260 pr\u00e9stec petit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una hipoteca \u00e9s un deute a llarg termini, normalment a 20 o 30 anys. Requereix planificaci\u00f3, estabilitat i visi\u00f3 de futur. No es pot tractar com si fos un <strong>minicr\u00e8dit online<\/strong> o un pr\u00e9stec de consum. Les decisions impulsives poden sortir cares si no se n&#039;avaluen b\u00e9 les conseq\u00fc\u00e8ncies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">No barrejar necessitats<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s habitual veure com s&#039;acudeix a finan\u00e7ament r\u00e0pid per cobrir augments puntuals de la quota hipotec\u00e0ria, per\u00f2 aix\u00f2 es pot convertir en una <strong>bola de neu financera<\/strong>. Cada tipus de deute t\u00e9 un objectiu espec\u00edfic i barrejar necessitats pot generar un sobreendeutament dif\u00edcil de gestionar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">El cr\u00e8dit puntual pot ajudar (ben gestionat)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un producte financer com els <a href=\"https:\/\/www.avafin.es\/ca\/minicredits\/\">minicr\u00e8di<\/a><a href=\"https:\/\/www.avafin.es\/ca\/minicredits\/\" target=\"_blank\" rel=\"noreferrer noopener\">t<\/a><a href=\"https:\/\/www.avafin.es\/ca\/minicredits\/\">us<\/a>, si s&#039;utilitza b\u00e9, et pot donar <strong>marge temporal<\/strong> per organitzar la teva economia. Per exemple, pagar una factura urgent o evitar un descobert bancari. Per\u00f2 no s&#039;han de veure com una soluci\u00f3 estructural davant de la pujada de tipus. Abans de prendre decisions, conv\u00e9 <strong>comparar pr\u00e9stecs nom\u00e9s pel tipus d&#039;inter\u00e8s<\/strong> i revisar terminis, comissions i condicions reals: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/comparador-prestem\/\" target=\"_blank\" rel=\"noreferrer noopener\">comparador de pr\u00e9stecs<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Errors comuns en intentar anticipar-se a la baixada de l&#039;Eur\u00edbor<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Evitar aquests errors pot estalviar-te molts mals de cap:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prendre decisions per titulars alarmistes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les not\u00edcies poden ser sensacionalistes. No ajustis la teva hipoteca nom\u00e9s perqu\u00e8 un mitj\u00e0 digui que \u201cl&#039;eur\u00edbor es desplomar\u00e0\u201d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Esperar una baixada immediata<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Com ja hem vist, l&#039;eur\u00edbor no baixa de manera brusca. Esperar una caiguda radical pot portar-te a <strong>prendre decisions equivocades<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">No revisar quan s&#039;actualitza la teva quota<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Molts no saben quan es revisa la hipoteca. Con\u00e8ixer aquesta data \u00e9s clau per a <strong>anticipar-te i planificar<\/strong> b\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La resposta a la gran pregunta <strong>\u201cquan baixar\u00e0 l&#039;eur\u00edbor\u201d<\/strong> \u00e9s: aviat, per\u00f2 cop. Tot apunta que <strong>2026 ser\u00e0 un any de canvi progressiu<\/strong>, sempre condicionat per les decisions del BCE i l&#039;evoluci\u00f3 econ\u00f2mica global.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cada economia familiar \u00e9s \u00fanica. El m\u00e9s important \u00e9s que estiguis preparat, ben informat i que no prenguis decisions precipitades. A <a href=\"https:\/\/www.avafin.es\/ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Avafin<\/a> t&#039;ajudem a entendre aquests conceptes ia prendre decisions financeres responsables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I si encara et preguntes <strong>qu\u00e8 \u00e9s el TIN i la TAE<\/strong>, aqu\u00ed pots llegir el nostre article complet: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-tin-i-tae\/\" target=\"_blank\" rel=\"noreferrer noopener\">qu\u00e8 \u00e9s el TIN i la TAE<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Necessites un respir financer?<\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Demana el teu pr\u00e9stec a AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>L&#039;eur\u00edbor \u00e9s una d&#039;aquelles paraules que, encara que sona llunyana o t\u00e8cnica, pot afectar directament el dia a dia. Si tens una hipoteca variable o est\u00e0s pensant en demanar finan\u00e7ament, probablement et preguntis quan baixar\u00e0 l&#039;eur\u00edbor i com aquesta baixada pot influir a la butxaca. En aquest article d&#039;Avafin, t&#039;expliquem [\u2026]<\/p>","protected":false},"author":32,"featured_media":8059,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[23,27,21],"tags":[],"class_list":["post-8057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera","category-hipotecas","category-prestamo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfCu\u00e1ndo bajar\u00e1 el Euribor? Previsi\u00f3n para 2026 | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Descubre cu\u00e1ndo bajar\u00e1 el Eur\u00edbor, qu\u00e9 factores lo influyen y c\u00f3mo impactar\u00e1 en tu econom\u00eda y en tu hipoteca variable en 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfCu\u00e1ndo bajar\u00e1 el Euribor? Previsi\u00f3n para 2026 | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Descubre cu\u00e1ndo bajar\u00e1 el Eur\u00edbor, qu\u00e9 factores lo influyen y c\u00f3mo impactar\u00e1 en tu econom\u00eda y en tu hipoteca variable en 2026.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-26T09:14:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-24T09:05:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/cuando-bajara-el-euribor-1024x682.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"682\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alejandra Rangel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alejandra Rangel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor\",\"url\":\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor\",\"name\":\"\u00bfCu\u00e1ndo bajar\u00e1 el Euribor? Previsi\u00f3n para 2026 | AvaFin Espa\u00f1a\",\"isPartOf\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/cuando-bajara-el-euribor.jpg\",\"datePublished\":\"2026-01-26T09:14:01+00:00\",\"dateModified\":\"2026-04-24T09:05:38+00:00\",\"author\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/2955e74f3626e82f06ef36d98ecdc878\"},\"description\":\"Descubre cu\u00e1ndo bajar\u00e1 el Eur\u00edbor, qu\u00e9 factores lo influyen y c\u00f3mo impactar\u00e1 en tu econom\u00eda y en tu hipoteca variable en 2026.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#primaryimage\",\"url\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/cuando-bajara-el-euribor.jpg\",\"contentUrl\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/cuando-bajara-el-euribor.jpg\",\"width\":2000,\"height\":1333,\"caption\":\"Descubre cu\u00e1ndo bajar\u00e1 el Eur\u00edbor, qu\u00e9 factores lo influyen y c\u00f3mo impactar\u00e1 en tu econom\u00eda y en tu hipoteca variable en 2026.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inicio\",\"item\":\"https:\/\/www.avafin.es\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Educaci\u00f3 financera\",\"item\":\"https:\/\/www.avafin.es\/blog\/educacion-financiera\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\u00bfCu\u00e1ndo bajar\u00e1 el Euribor? Previsi\u00f3n para 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.avafin.es\/ca\/#website\",\"url\":\"https:\/\/www.avafin.es\/ca\/\",\"name\":\"AvaFin Espa\u00f1a\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.avafin.es\/ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/2955e74f3626e82f06ef36d98ecdc878\",\"name\":\"Alejandra Rangel\",\"pronouns\":\"Ella\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"contentUrl\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"caption\":\"Alejandra Rangel\"},\"description\":\"Experta financiera, con 6 a\u00f1os de experiencia liderando la atenci\u00f3n a clientes que buscan soluciones econ\u00f3micas. Su experiencia en investigaci\u00f3n de mercados en AvaFin, brinda gran valor al momento de generar informaci\u00f3n \u00fatil sobre aquellas personas que buscan tomar decisiones financieras adecuadas a su situaci\u00f3n.\",\"sameAs\":[\"http:\/\/www.avafin.es\",\"https:\/\/www.linkedin.com\/in\/alejandra-rangel-bethencourt-29633a167\/\"],\"url\":\"https:\/\/www.avafin.es\/ca\/blog\/author\/alejandra\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Quan baixar\u00e0 l&#039;Euribor? Predicci\u00f3 en 2026 | AvaFin Espanya","description":"Descobreix quan baixar\u00e0 l&#039;Eur\u00edbor, quins factors l&#039;influeixen i com impactar\u00e0 a la teva economia ia la teva hipoteca variable el 2026.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor","og_locale":"ca_ES","og_type":"article","og_title":"\u00bfCu\u00e1ndo bajar\u00e1 el Euribor? Previsi\u00f3n para 2026 | AvaFin Espa\u00f1a","og_description":"Descubre cu\u00e1ndo bajar\u00e1 el Eur\u00edbor, qu\u00e9 factores lo influyen y c\u00f3mo impactar\u00e1 en tu econom\u00eda y en tu hipoteca variable en 2026.","og_url":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor","og_site_name":"AvaFin Espa\u00f1a","article_published_time":"2026-01-26T09:14:01+00:00","article_modified_time":"2026-04-24T09:05:38+00:00","og_image":[{"width":1024,"height":682,"url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/cuando-bajara-el-euribor-1024x682.jpg","type":"image\/jpeg"}],"author":"Alejandra Rangel","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Alejandra Rangel","Est. reading time":"8 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor","url":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor","name":"Quan baixar\u00e0 l&#039;Euribor? Predicci\u00f3 en 2026 | AvaFin Espanya","isPartOf":{"@id":"https:\/\/www.avafin.es\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#primaryimage"},"image":{"@id":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#primaryimage"},"thumbnailUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/cuando-bajara-el-euribor.jpg","datePublished":"2026-01-26T09:14:01+00:00","dateModified":"2026-04-24T09:05:38+00:00","author":{"@id":"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/2955e74f3626e82f06ef36d98ecdc878"},"description":"Descobreix quan baixar\u00e0 l&#039;Eur\u00edbor, quins factors l&#039;influeixen i com impactar\u00e0 a la teva economia ia la teva hipoteca variable el 2026.","breadcrumb":{"@id":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#primaryimage","url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/cuando-bajara-el-euribor.jpg","contentUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/cuando-bajara-el-euribor.jpg","width":2000,"height":1333,"caption":"Descubre cu\u00e1ndo bajar\u00e1 el Eur\u00edbor, qu\u00e9 factores lo influyen y c\u00f3mo impactar\u00e1 en tu econom\u00eda y en tu hipoteca variable en 2026."},{"@type":"BreadcrumbList","@id":"https:\/\/www.avafin.es\/ca\/bloc\/quan-baixes-leuribor#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inicio","item":"https:\/\/www.avafin.es\/"},{"@type":"ListItem","position":2,"name":"Educaci\u00f3 financera","item":"https:\/\/www.avafin.es\/blog\/educacion-financiera"},{"@type":"ListItem","position":3,"name":"\u00bfCu\u00e1ndo bajar\u00e1 el Euribor? Previsi\u00f3n para 2026"}]},{"@type":"WebSite","@id":"https:\/\/www.avafin.es\/ca\/#website","url":"https:\/\/www.avafin.es\/ca\/","name":"AvaFin Espanya","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.avafin.es\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Person","@id":"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/2955e74f3626e82f06ef36d98ecdc878","name":"Alejandra Rangel","pronouns":"Ella","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/image\/","url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png","contentUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png","caption":"Alejandra Rangel"},"description":"Experta financiera, con 6 a\u00f1os de experiencia liderando la atenci\u00f3n a clientes que buscan soluciones econ\u00f3micas. Su experiencia en investigaci\u00f3n de mercados en AvaFin, brinda gran valor al momento de generar informaci\u00f3n \u00fatil sobre aquellas personas que buscan tomar decisiones financieras adecuadas a su situaci\u00f3n.","sameAs":["http:\/\/www.avafin.es","https:\/\/www.linkedin.com\/in\/alejandra-rangel-bethencourt-29633a167\/"],"url":"https:\/\/www.avafin.es\/ca\/blog\/author\/alejandra"}]}},"jetpack_publicize_connections":[],"featured_media_link":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/cuando-bajara-el-euribor-768x512.jpg","category":{"color":"#010440","link":"https:\/\/www.avafin.es\/ca\/bloc\/educacio-financera","text":"Educaci\u00f3n financiera"},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/8057","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=8057"}],"version-history":[{"count":0,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/8057\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media\/8059"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=8057"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/categories?post=8057"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/tags?post=8057"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}