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In forceCredit institutions: deposit guarantee, interest rate and mortgage statements (national)Last checked 11 November 2026

Interest rates on loans to the resident private sector (reference rate statement 2172)

A regulatory return listed by the Banco de España (BdE), Spain.

Gives the interest rate, principal and number of new mortgage loans over three years for buying free-market housing, which the Bank uses to compile the official reference rate 'average rate of mortgage loans over three years for free-market housing granted by credit institutions in Spain' (Technical applications of statement 2172, 5 October 2020). Source

Official title: Estado 2172. Anejo 9 de la Circular 5/2012: Tipos de interés de operaciones de préstamo en España con el sector privado residente

The facts

Who files
Banks, savings banks and branches in Spain of foreign credit institutions (Technical applications of statement 2172). Source
How often
Monthly (Technical applications of statement 2172, paragraph 7). Source
Deadline
Within the first fifteen days of each month, or on the first working day after that fortnight if its last day is a holiday (paragraph 7, citing rule 16.4 of Circular 5/2012). Source
Format
Other. Not stated on the pages read; the Bank publishes the form as PDF and Excel. Source
How it is filed
Filing routes recorded for the BdE: SIF (Sistema de Intercambio de Información Financiera); Banco de España Virtual Office (Sede Electrónica): 'Envío de documentación financiera' (procedure ES_BDE_C164_P90); Editran and ITW file transfer (Central Credit Register and its complementary statements); CRGWWW; EXB: register of branch offices of supervised entities. See how firms file with the BdE.
Status
In force
Group
Credit institutions: deposit guarantee, interest rate and mortgage statements (national)

Templates (1)

The tables and forms inside the return. Plain name first, the BdE's code in brackets.

  • Interest rates on loan transactions in Spain with the resident private sector (2172)

Where the list was read: Source

Validation rules

The BdE publishes the checks it runs on this return. They could not be counted from the published material. They are written for people to read; software cannot run them as published. Source

How they are written: PDF of cross-checks ('Correlaciones').

Under I.E. 2008.02, statements that fail the validations are, as a general rule, rejected automatically and treated as not filed; part of the checks are also published in XBRL in the Bank's taxonomies.

The rules, on bde.es

How they were counted

Not counted: 'Estado_2172_Cuadre.pdf' is a PDF in an older layout whose rules could not be counted reliably from its text.

Counts are in the BdE's own unit, so they are not comparable with other regulators' counts.

Public data

Published only added up across firms. The statement feeds the official reference rate for mortgage loans over three years for free-market housing, an aggregate figure; the page where the rate is published was not read. Source

Official documents (8)

The BdE's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see BdE's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Banco de España (https://www.bde.es). Documents copied here are unchanged and are available free of charge on the Banco de España website. The plain-English summaries are Line4's own; the Banco de España does not endorse this library.

Last checked 11 November 2026.