Friday, 29 August 2014

Euribor 29/8/2014 & final value of August average

Final value of August average: 0,469
Oficial value of day 29/8/2014: 0,434 (-0,913%)
 
Comments: Today decreases 4 thousands and all of the Euribor types with lower  datas compared yesterday values. Coming soon this value will be confirmed by European Central Bank or by the Bank of each country.
 
(At the end of this info. you will find Euribor from 1 week to 11 months)
 
__Date___Interest rate_
0
1/8/2014 0,489 =0,000 -> Reduction compared prev.day:=0,000%
04/8/2014 0,488 -0,001 -> Reduction compared prev.day:-0,204%
05/8/2014 0,488 =0,000 -> Reduction compared prev.day:=0,000%
06/8/2014 0,487 -0,001 -> Reduction compared prev.day:-0,205%
07/8/2014 0,484 -0,003 -> Reduction compared prev.day:-0,616%
08/8/2014 0,482 -0,002 -> Reduction compared prev.day:-0,413%
11/8/2014 0,482 =0,000 -> Reduction compared prev.day:=0,000%
12/8/2014 0,479 -0,003 -> Reduction compared prev.day:-0,622%
13/8/2014 0,479 =0,000 -> Reduction compared prev.day:=0,000%
14/8/2014 0,478 -0,001 -> Reduction compared prev.day:-0,209%
15/8/2014 0,477 -0,001 -> Reduction compared prev.day:-0,209%
18/8/2014 0,474 -0,003 -> Reduction compared prev.day:-0,629%
19/8/2014 0,469 -0,005 -> Reduction compared prev.day:-1,055%
20/8/2014 0,466 -0,003 -> Reduction compared prev.day:-0,640%
21/8/2014 0,464 -0,002 -> Reduction compared prev.day:-0,429%
22/8/2014 0,463 -0,001 -> Reduction compared prev.day:-0,216%
25/8/2014 0,448 -0,015 -> Reduction compared prev.day:-3,240%
26/8/2014 0,443 -0,005 -> Reduction compared prev.day:-1,116%
27/8/2014 0,439 -0,004 -> Reduction compared prev.day.:-0,903%
28/8/2014 0,438 -0,001 -> Reduction compared prev.day:-0,228%
29/8/2014 0,434 -0,004 -> Reduction compared prev.day:-0,913%
  
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: 
576,39 €.
Compared one year ago, in August'13 (0,542%): 582,43 €
Expected monthly savings will be: 6 €.
 
Expected yearly savings will be:  72 
€ (-1,0%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 29/8/2014:

1 we. 2 we. 1 mo. 2 mo.
0,031 0,038 0,067 0,117
3 mo. 6 mo. 9 mo. 12 mo.
0,163 0,264 0,346 0,434

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)
0,041 0,049 0,085 0,142
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,192 0,292 0,380 0,469

Graphic of the current month till today of Euribor at 12 months:



Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 29/8/2014 at 13:55

Thursday, 28 August 2014

Euribor 28/8/2014 (12 months & other types)

Forecast of August average: 0,469 (Reliability: 95%)
Oficial value of day 28/8/14: 0,438 (-0,228 %)

Comments: In this day  decreases one thousand (a new minimum historical) and all the rest of the Euribor types are lower compared yesterday values, the Euribor at 1 week decreases one thousand: 0,036 (-22%). The next update will be done tomorrow around 13:50 hours. 
 
(At the end of this info. you will find Euribor from 1 week to 11 months)
 
__Date___Interest rate_
0
1/8/2014 0,489 =0,000 -> Reduction compared prev.day:=0,000%
04/8/2014 0,488 -0,001 -> Reduction compared prev.day:-0,204%
05/8/2014 0,488 =0,000 -> Reduction compared prev.day:=0,000%
06/8/2014 0,487 -0,001 -> Reduction compared prev.day:-0,205%
07/8/2014 0,484 -0,003 -> Reduction compared prev.day:-0,616%
08/8/2014 0,482 -0,002 -> Reduction compared prev.day:-0,413%
11/8/2014 0,482 =0,000 -> Reduction compared prev.day:=0,000%
12/8/2014 0,479 -0,003 -> Reduction compared prev.day:-0,622%
13/8/2014 0,479 =0,000 -> Reduction compared prev.day:=0,000%
14/8/2014 0,478 -0,001 -> Reduction compared prev.day:-0,209%
15/8/2014 0,477 -0,001 -> Reduction compared prev.day:-0,209%
18/8/2014 0,474 -0,003 -> Reduction compared prev.day:-0,629%
19/8/2014 0,469 -0,005 -> Reduction compared prev.day:-1,055%
20/8/2014 0,466 -0,003 -> Reduction compared prev.day:-0,640%
21/8/2014 0,464 -0,002 -> Reduction compared prev.day:-0,429%
22/8/2014 0,463 -0,001 -> Reduction compared prev.day:-0,216%
25/8/2014 0,448 -0,015 -> Reduction compared prev.day:-3,240%
26/8/2014 0,443 -0,005 -> Reduction compared prev.day:-1,116%
27/8/2014 0,439 -0,004 -> Reduction compared prev.day.:-0,903%
28/8/2014 0,438 -0,001 -> Reduction compared prev.day:-0,228%
29/8/2014 0,438  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:
576,39 €.
Compared one year ago, in August'13 (0,542%): 582,43 €
Expected monthly savings will be: 6 €.
 
Expected yearly savings will be:  72 
(-1,0%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 28/8/2014:

1 we. 2 we. 1 mo. 2 mo.
0,036 0,041 0,068 0,119
3 mo. 6 mo. 9 mo. 12 mo.
0,167 0,267 0,349 0,438

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)
0,041 0,049 0,086 0,144
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,193 0,293 0,382 0,471

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 28/8/2014 at 13:55

Wednesday, 27 August 2014

Euribor 27/8/2014 (12 months & other types)

Forecast of August average: 0,469 (Reliability: 90%)
Oficial value of day 27/8/14: 0,439 (-0,903 %)

Comments: In this day  decreases 4 thousands (a new minimum historical) and all the rest of the Euribor types are lower compared yesterday values, the Euribor at 1 week decreases one thousand: 0,046 (-2%). The next update will be done tomorrow around 13:50 hours. 
 
(At the end of this info. you will find Euribor from 1 week to 11 months)
 
__Date___Interest rate_
0
1/8/2014 0,489 =0,000 -> Reduction compared prev.day:=0,000%
04/8/2014 0,488 -0,001 -> Reduction compared prev.day:-0,204%
05/8/2014 0,488 =0,000 -> Reduction compared prev.day:=0,000%
06/8/2014 0,487 -0,001 -> Reduction compared prev.day:-0,205%
07/8/2014 0,484 -0,003 -> Reduction compared prev.day:-0,616%
08/8/2014 0,482 -0,002 -> Reduction compared prev.day:-0,413%
11/8/2014 0,482 =0,000 -> Reduction compared prev.day:=0,000%
12/8/2014 0,479 -0,003 -> Reduction compared prev.day:-0,622%
13/8/2014 0,479 =0,000 -> Reduction compared prev.day:=0,000%
14/8/2014 0,478 -0,001 -> Reduction compared prev.day:-0,209%
15/8/2014 0,477 -0,001 -> Reduction compared prev.day:-0,209%
18/8/2014 0,474 -0,003 -> Reduction compared prev.day:-0,629%
19/8/2014 0,469 -0,005 -> Reduction compared prev.day:-1,055%
20/8/2014 0,466 -0,003 -> Reduction compared prev.day:-0,640%
21/8/2014 0,464 -0,002 -> Reduction compared prev.day:-0,429%
22/8/2014 0,463 -0,001 -> Reduction compared prev.day:-0,216%
25/8/2014 0,448 -0,015 -> Reduction compared prev.day:-3,240%
26/8/2014 0,443 -0,005 -> Reduction compared prev.day:-1,116%
27/8/2014 0,439 -0,004 -> Reduction compared prev.day.:-0,903%
28/8/2014 0,439  Theorical expected value  
29/8/2014 0,440  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:
576,39 €.
Compared one year ago, in August'13 (0,542%): 582,43 €
Expected monthly savings will be: 6 €.
 
Expected yearly savings will be:  72 
(-1,0%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 27/8/2014:

1 we. 2 we. 1 mo. 2 mo.
0,046 0,046 0,069 0,121
3 mo. 6 mo. 9 mo. 12 mo.
0,170 0,269 0,350 0,439

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)
0,041 0,050 0,087 0,145
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,194 0,295 0,383 0,473

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 27/8/2014 at 13:55