Benchmark lending rates in Estonia are commonly determined by Euribor or national bank references plus a bank margin. Below is an illustrative table showing how different lending products might use benchmarks.
Illustrative Benchmark Table (Euribor-based)
| Benchmark |
Typical Use |
Example Rate |
| Euribor 3M |
Short term corporate lending |
-0.10% (example) |
| Euribor 6M |
Variable mortgages & loans |
0.00% (example) |
| Bank Base + Margin |
Consumer lending with bank spread |
Euribor + 2.0% (illustrative) |
Benchmarks and margins change with market conditions. These examples are for Estonia (EUR) context and illustrative only.