Friday, 23 January 2015

Euribor 23/1/2015 (12 months & other types)

Forecast of January average: 0,299 (Reliability: 75%)
Oficial value of day 23/1/15: 0,275 (-2,482%)

Comments: In this  day decreases 7 thousands making a new minimum historical (the minimum historical was on 23/1/15: 0,275) and practically all the rest of the Euribor types with reductions compared previous day values, except the Euribor at 1 week day increases 14 thousands: -0,023 (+34%). 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_
02/01/2015 0,323 -0,002 -> Reduction compared prev.day:-0,615%
05/01/2015 0,321 -0,002 -> Reduction compared prev.day:-0,619%
06/01/2015 0,319 -0,002 -> Reduction compared prev.day:-0,623%
07/01/2015 0,319 =0,000 -> Reduction compared prev.day:=0,000%
08/01/2015 0,319 =0,000 -> Reduction compared prev.day:=0,000%
09/01/2015 0,318 -0,001 -> Reduction compared prev.day:-0,313%
12/01/2015 0,317 -0,001 -> Reduction compared prev.day:-0,314%
13/01/2015 0,318 +0,001 -> Reduction compared prev.day:+0,315%
14/01/2015 0,315 -0,003 -> Reduction compared prev.day:-0,943%
15/01/2015 0,313 -0,002 -> Reduction compared prev.day:-0,635%
16/01/2015 0,299 -0,014 -> Reduction compared prev.day:-4,473%
19/01/2015 0,289 -0,010 -> Reduction compared prev.day:-3,344%
20/01/2015 0,284 -0,005 -> Reduction compared prev.day:-1,730%
21/01/2015 0,283 -0,001 -> Reduction compared prev.day:-0,352%
22/01/2015 0,282 -0,001 -> Reduction compared prev.day:-0,353%
23/01/2015 0,275 -0,007 -> Reduction compared prev.day:-2,482%
26/01/2015 0,275  Theorical expected value  
27/01/2015 0,275  Theorical expected value  
28/01/2015 0,275  Theorical expected value  
29/01/2015 0,276  Theorical expected value  
30/01/2015 0,276  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:
563,29 €.
Compared one year ago, in January'14 (0,562%): 584,09 €
Expected monthly savings will be: 21 €.
 
Expected yearly savings will be:  250 
(-3,56%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 23/1/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,023 -0,016 0,001 0,024
3 mo. 6 mo. 9 mo. 12 mo.
0,053 0,137 0,206 0,275

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)
-0,040 -0,028 0,006 0,034
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,066 0,158 0,230 0,306

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 23/1/2015 at 14:06

Tuesday, 20 January 2015

Euribor 20/1/2015 (12 months & other types)

Forecast of January average: 0,304 (Reliability: 60%)
Oficial value of day 20/1/15: 0,284 (-1,730%)

Comments: In this  day decreases 5 thousands making a new minimum historical (the minimum historical was on 20/1/15: 0,284) and practically all the rest of the Euribor types with strong reductions compared previous day values, the Euribor at 1 week day decreases 5 thousands: -0,056 (-10%). 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_
02/01/2015 0,323 -0,002 -> Reduction compared prev.day:-0,615%
05/01/2015 0,321 -0,002 -> Reduction compared prev.day:-0,619%
06/01/2015 0,319 -0,002 -> Reduction compared prev.day:-0,623%
07/01/2015 0,319 =0,000 -> Reduction compared prev.day:=0,000%
08/01/2015 0,319 =0,000 -> Reduction compared prev.day:=0,000%
09/01/2015 0,318 -0,001 -> Reduction compared prev.day:-0,313%
12/01/2015 0,317 -0,001 -> Reduction compared prev.day:-0,314%
13/01/2015 0,318 +0,001 -> Reduction compared prev.day:+0,315%
14/01/2015 0,315 -0,003 -> Reduction compared prev.day:-0,943%
15/01/2015 0,313 -0,002 -> Reduction compared prev.day:-0,635%
16/01/2015 0,299 -0,014 -> Reduction compared prev.day:-4,473%
19/01/2015 0,289 -0,010 -> Reduction compared prev.day:-3,344%
20/01/2015 0,284 -0,005 -> Reduction compared prev.day:-1,730%
21/01/2015 0,283  Theorical expected value   
22/01/2015 0,283  Theorical expected value   
23/01/2015 0,283  Theorical expected value   
26/01/2015 0,283  Theorical expected value   
27/01/2015 0,283  Theorical expected value   
28/01/2015 0,283  Theorical expected value   
29/01/2015 0,284  Theorical expected value   
30/01/2015 0,284  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:
563,29 €.
Compared one year ago, in January'14 (0,562%): 584,09 €
Expected monthly savings will be: 21 €.
 
Expected yearly savings will be:  250 
(-3,56%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 20/1/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,059 -0,039 -0,005 0,024
3 mo. 6 mo. 9 mo. 12 mo.
0,055 0,142 0,214 0,284

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)
-0,040 -0,028 0,008 0,037
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,068 0,162 0,235 0,312

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 20/1/2015 at 14:06

Monday, 19 January 2015

Euribor 19/1/2015 (12 months & other types)

Forecast of January average: 0,305 (Reliability: 55%)
Oficial value of day 19/1/15: 0,289 (-3,344%)

Comments: In this  day decreases 10 thousands making a new minimum historical (the minimum historical was on 19/1/15: 0,289) and practically all the rest of the Euribor types with strong reductions compared previous day values, the Euribor at 1 week day decreases 5 thousands: -0,056 (-10%). 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_
02/01/2015 0,323 -0,002 -> Reduction compared prev.day:-0,615%
05/01/2015 0,321 -0,002 -> Reduction compared prev.day:-0,619%
06/01/2015 0,319 -0,002 -> Reduction compared prev.day:-0,623%
07/01/2015 0,319 =0,000 -> Reduction compared prev.day:=0,000%
08/01/2015 0,319 =0,000 -> Reduction compared prev.day:=0,000%
09/01/2015 0,318 -0,001 -> Reduction compared prev.day:-0,313%
12/01/2015 0,317 -0,001 -> Reduction compared prev.day:-0,314%
13/01/2015 0,318 +0,001 -> Reduction compared prev.day:+0,315%
14/01/2015 0,315 -0,003 -> Reduction compared prev.day:-0,943%
15/01/2015 0,313 -0,002 -> Reduction compared prev.day:-0,635%
16/01/2015 0,299 -0,014 -> Reduction compared prev.day:-4,473%
19/01/2015 0,289 -0,010 -> Reduction compared prev.day:-3,344%
20/01/2015 0,290  Theorical expected value   
21/01/2015 0,289  Theorical expected value   
22/01/2015 0,289  Theorical expected value   
23/01/2015 0,289  Theorical expected value   
26/01/2015 0,289  Theorical expected value   
27/01/2015 0,289  Theorical expected value   
28/01/2015 0,289  Theorical expected value   
29/01/2015 0,290  Theorical expected value   
30/01/2015 0,290  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:
563,29 €.
Compared one year ago, in January'14 (0,562%): 584,09 €
Expected monthly savings will be: 21 €.
 
Expected yearly savings will be:  250 
(-3,56%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 19/1/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,056 -0,038 -0,002 0,026
3 mo. 6 mo. 9 mo. 12 mo.
0,056 0,145 0,217 0,289

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)
-0,039 -0,027 0,009 0,038
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,069 0,164 0,236 0,314

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 19/1/2015 at 14:06