The Euribor, which governs my mortgage, uses the same interbank lending sources as the LIBOR. http://www.euribor-rates.eu/what-is-euribor.asp http://www.euribo

The Euribor, which governs my mortgage, uses the same interbank lending sources as the LIBOR. http://www.euribor-rates.eu/what-is-euribor.asp http://www.euribor-rates.eu/what-is-euribor.asp But I can't say I'm unhappy with it: never have I paid so little interest on anything I've ever owed, Euribor is negative right now and I'm loving it. Whatever means of calculation or manipulation are being used, they are working out in my favor today. Maybe a stricter regulation would limit the banks abilities to lend competitively, which may not be in neither their, mine nor the government's favor.