My mortgage's interest rate is tied to 12 month euribor. Back when we bought the place the interest's were on negative side, although the banks had already prepared for such situations and capped the bottom rates at 0 %.
Few years ago when things started to happen the interest's skyrocketed. Last year was the worst. Ar the beginning it was good as my interest was fixed for 12 months on the lower rate while the interests kept raising. But last year, the fixing time happened to be at the height of those rates. So past year I have been "enjoying" the highest rates for a long time.
Now the rates have been going down quite rapidly. They are already about 1,5% lower than a year ago when the last fixing point happened. And they are still falling. They might be even lower in a few months, but I'm happy for that 1,5% decrease already when the fixed period starts.