Cuestas, Juan CarlosGil Alana, Luis A.2024-04-292024-04-2920231350-4851https://hdl.handle.net/10641/4314In this paper we analyse the evolution of the 12-month EURIBOR, with the aim of forecasting its trend in the forthcoming years. Using fractional integration, we find that the Euribor will return to a downward trend towards the end of 2023 and potentially reach negative numbers by 2025. This all assuming ceteris paribus.engAtribución-NoComercial-SinDerivadas 3.0 Españahttp://creativecommons.org/licenses/by-nc-nd/3.0/es/EURIBORMortgagesForecastEuropean Unionjournal articleembargoed access10.1080/13504851.2023.2259592