Thursday, 26 February 2015

Euribor 26/2/2015 (12 months & other types)

Forecast of February average: 0,255 (Reliability: 95%)
Oficial value of day 26/2/15: 0,238 (-1'245%)

Comments: In this  day  decreases 3 thousands (the minimum historical was on 25/2/15: 0,241) and practically all the rest of the Euribor types with slightly changes compared previous day values, except the Euribor at 1 week that decreases 15 thousands: -0,021 (-250%). The next update will be done the next working day around 14:00 hours. 
 
(At the end of this info. you will find Euribor from 1 week to 11 months)
 
__Date___Interest rate_
02/2/2015 0,271 +0,001 ->Difference compared previous day:+0,370%
03/2/2015 0,266 -0,005 -> Difference compared previous day:-1,845%
04/2/2015 0,263 -0,003 -> Difference compared previous day:-1,128%
05/2/2015 0,262 -0,001 -> Difference compared previous day:-0,380%
06/2/2015 0,261 -0,001 -> Difference compared previous day:-0,382%
09/2/2015 0,261 =0,000 ->Difference compared previous day:=0,000%
10/2/2015 0,262 +0,001 ->Difference compared previous day:+0,383%
11/2/2015 0,260 -0,002 -> Difference compared previous day:-0,763%
12/2/2015 0,260 =0,000-> Difference compared previous day :=0,000%  
13/2/2015 0,259 -0,001 -> Difference compared previous day :-0,385%
16/2/2015 0,258 -0,001 -> Difference compared previous day :-0,386%
17/2/2015 0,258 =0,000-> Difference compared previous day :=0,000%
18/2/2015 0,255 -0,003 -> Difference compared previous day:-1,163%
19/2/2015 0,252 -0,003 -> Difference compared previous day:-1,176%
20/2/2015 0,250 -0,002 -> Difference compared previous day:-0,794%
23/2/2015 0,246 -0,004 -> Difference compared previous day:-1,600%
25/2/2015 0,241 -0,004 -> Difference compared previous day:-1,633%
26/2/2015 0,238 -0,003 -> Difference compared previous day:-1,245%
27/2/2015 0,238  Theorical expected value
  
This is an example with the interest rate showed above:
A mortgage of 180.000 €.
Quantity added by the bank to the official interest rate: + 0,5
Mortgage years: 30.
The monthly payment will be:
559,00 €.
Compared one year ago, in February'14 (0,549%): 583,01 €
Expected monthly savings will be: 24 €.
 
Expected yearly savings will be:  288 
(-4,12%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 26/2/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,021 -0,009 0,004 0,016
3 mo. 6 mo. 9 mo. 12 mo.
0,040 0,114 0,166 0,238

Real average of Euribor of the current month from 1 week to 12 months:

1 w(av) 2 w(av) 1 m(av) 2 m(av)
-0,025 -0,018 0,001 0,021
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,049 0,127 0,187 0,256

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 26/2/2015 at 14:06

Wednesday, 25 February 2015

Euribor 25/2/2015 (12 months & other types)

Forecast of February average: 0,256 (Reliability: 90%)
Oficial value of day 25/2/15: 0,241 (-1'633%)

Comments: In this  day  decreases 4 thousands (the minimum historical was on 25/2/15: 0,241) and practically all the rest of the Euribor types with slightly changes compared previous day values, except the Euribor at 1 week that decreases 2 thousands: -0,006 (-50%). The next update will be done the next working day around 14:00 hours. 
 
(At the end of this info. you will find Euribor from 1 week to 11 months)
 
__Date___Interest rate_
02/2/2015 0,271 +0,001 ->Difference compared previous day:+0,370%
03/2/2015 0,266 -0,005 -> Difference compared previous day:-1,845%
04/2/2015 0,263 -0,003 -> Difference compared previous day:-1,128%
05/2/2015 0,262 -0,001 -> Difference compared previous day:-0,380%
06/2/2015 0,261 -0,001 -> Difference compared previous day:-0,382%
09/2/2015 0,261 =0,000 ->Difference compared previous day:=0,000%
10/2/2015 0,262 +0,001 ->Difference compared previous day:+0,383%
11/2/2015 0,260 -0,002 -> Difference compared previous day:-0,763%
12/2/2015 0,260 =0,000-> Difference compared previous day :=0,000%  
13/2/2015 0,259 -0,001 -> Difference compared previous day :-0,385%
16/2/2015 0,258 -0,001 -> Difference compared previous day :-0,386%
17/2/2015 0,258 =0,000-> Difference compared previous day :=0,000%
18/2/2015 0,255 -0,003 -> Difference compared previous day:-1,163%
19/2/2015 0,252 -0,003 -> Difference compared previous day:-1,176%
20/2/2015 0,250 -0,002 -> Difference compared previous day:-0,794%
23/2/2015 0,246 -0,004 -> Difference compared previous day:-1,600%
25/2/2015 0,241 -0,004 -> Difference compared previous day:-1,633%
26/2/2015 0,241  Theorical expected value 
27/2/2015 0,241  Theorical expected value
  
This is an example with the interest rate showed above:
A mortgage of 180.000 €.
Quantity added by the bank to the official interest rate: + 0,5
Mortgage years: 30.
The monthly payment will be:
559,00 €.
Compared one year ago, in February'14 (0,549%): 583,01 €
Expected monthly savings will be: 24 €.
 
Expected yearly savings will be:  288 
(-4,12%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 25/2/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,006 -0,009 0,001 0,019
3 mo. 6 mo. 9 mo. 12 mo.
0,042 0,118 0,169 0,241

Real average of Euribor of the current month from 1 week to 12 months:

1 w(av) 2 w(av) 1 m(av) 2 m(av)
-0,025 -0,019 0,001 0,022
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,049 0,127 0,188 0,257

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 25/2/2015 at 14:06

Tuesday, 24 February 2015

Euribor 24/2/2015 (12 months & other types)

Forecast of February average: 0,258 (Reliability: 85%)
Oficial value of day 24/2/15: 0,245 (-0'407%)

Comments: In this  day  decreases one thousand (the minimum historical was on 24/2/15: 0,245) and practically all the rest of the Euribor types with slightly changes compared previous day values, except the Euribor at 1 week that increases 5 thousands: -0,004 (+45%). The next update will be done the next working day around 14:00 hours. 
 
(At the end of this info. you will find Euribor from 1 week to 11 months)
 
__Date___Interest rate_
02/2/2015 0,271 +0,001 ->Difference compared previous day:+0,370%
03/2/2015 0,266 -0,005 -> Difference compared previous day:-1,845%
04/2/2015 0,263 -0,003 -> Difference compared previous day:-1,128%
05/2/2015 0,262 -0,001 -> Difference compared previous day:-0,380%
06/2/2015 0,261 -0,001 -> Difference compared previous day:-0,382%
09/2/2015 0,261 =0,000 ->Difference compared previous day:=0,000%
10/2/2015 0,262 +0,001 ->Difference compared previous day:+0,383%
11/2/2015 0,260 -0,002 -> Difference compared previous day:-0,763%
12/2/2015 0,260 =0,000-> Difference compared previous day :=0,000%  
13/2/2015 0,259 -0,001 -> Difference compared previous day :-0,385%
16/2/2015 0,258 -0,001 -> Difference compared previous day :-0,386%
17/2/2015 0,258 =0,000-> Difference compared previous day :=0,000%
18/2/2015 0,255 -0,003 -> Difference compared previous day:-1,163%
19/2/2015 0,252 -0,003 -> Difference compared previous day:-1,176%
20/2/2015 0,250 -0,002 -> Difference compared previous day:-0,794%
23/2/2015 0,246 -0,004 -> Difference compared previous dayr:-1,600%
24/2/2015 0,245  Theorical expected value
25/2/2015 0,245  Theorical expected value
26/2/2015 0,245  Theorical expected value
27/2/2015 0,245  Theorical expected value
  
This is an example with the interest rate showed above:
A mortgage of 180.000 €.
Quantity added by the bank to the official interest rate: + 0,5
Mortgage years: 30.
The monthly payment will be:
560,21 €.
Compared one year ago, in February'14 (0,549%): 583,01 €
Expected monthly savings will be: 23 €.
 
Expected yearly savings will be:  274 
(-3,91%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 24/2/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,004 -0,009 0,001 0,020
3 mo. 6 mo. 9 mo. 12 mo.
0,044 0,119 0,174 0,245

Real average of Euribor of the current month from 1 week to 12 months:

1 w(av) 2 w(av) 1 m(av) 2 m(av)
-0,026 -0,020 0,001 0,022
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,050 0,128 0,189 0,258

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 24/2/2015 at 14:06