Spread applied to the index replacing banks and savings banks’ (IRPH) or the Savings Banks’ reference lending rate
Did your mortgage reference rate cease to exist? Calculate the spread you need to add to the bank and savings bank mortgage loan benchmark index to find out what your new index is.
This calculator allows you to obtain the equivalent spread that you need to add to the average interest rate of mortgage loans over three years for purchasing unsubsidised housing of credit institutions as a whole in order to find out the rate that will replace the current rate on your mortgage.
