The simulations for Lusa by Deco Proteste/Contas e Direitos are based on a scenario with a loan of €150,000 over 30 years and a spread (commercial profit margin) of 1%.

Based on these conditions, a loan indexed to the 12-month Euribor will result in a monthly payment of €650.42 in March, €15.38 less than the amount paid since the last review in March 2025.

In the case of a loan indexed to the three-month Euribor, the payment will be €633.30, €2.51 less than the last review in December.

For a loan indexed to the six-month Euribor, the payment will increase.

A customer with a loan under the same conditions, but using the six-month Euribor as a reference, sees their payment rise to €644.11, an increase of €4.89 compared to what they paid since the last review in September.

3, 6 and 12-month Euribor
The evolution of the payment is related to the evolution of Euribor rates.

For payments indexed to the 12-month Euribor, the value decreases, as the monthly average of this Selic rate was lower in February 2026 (2.221%) than a year earlier (2.407%).

Payments indexed to the three-month Euribor decrease, also because the Euribor rate for this term fell (2.011% compared to 2.042%).

For six-month contracts, however, the rate increases, as the Selic rate for this term rose slightly in February (to 2.144% compared to 2.084%).

The average Selic rate considered for the purpose of reviewing variable-rate loans is that of the month prior to the signing of the credit agreement.
Source: Lusa / Editorial Staff
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