Wednesday, 1 October 2014

Euribor 1/10/2014 (12 months & other types)

Forecast of October average: 0,332 (Reliability: 4%)
Oficial value of day 1/10/14: 0,338(=)

Comments: In this day repeats value (the minimum historical was on 30/9/14: 0,338) and practically all the rest of the Euribor types are lower compared yesterday values, the Euribor at 1 week that decreases one thousand: -0,014 (-7%). 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_
01/10/2014 0,338 =0,000 -> Reduction compared prev.day:=0,000%
02/10/2014 0,337  ECB, not expected changes(=0,05%)  
03/10/2014 0,337  Theorical expected value
06/10/2014 0,336  Theorical expected value
07/10/2014 0,336  Theorical expected value
08/10/2014 0,336  Theorical expected value
09/10/2014 0,335  Theorical expected value
10/10/2014 0,335  Theorical expected value
13/10/2014 0,334  Theorical expected value
14/10/2014 0,334  Theorical expected value
15/10/2014 0,332  Theorical expected value
16/10/2014 0,332  Theorical expected value
17/10/2014 0,332  Theorical expected value
20/10/2014 0,331  Theorical expected value
21/10/2014 0,330  Theorical expected value
22/10/2014 0,330  Theorical expected value
23/10/2014 0,329  Theorical expected value
24/10/2014 0,329  Theorical expected value
27/10/2014 0,328  Theorical expected value
28/10/2014 0,328  Theorical expected value
29/10/2014 0,328  Theorical expected value
30/10/2014 0,329  Theorical expected value
31/10/2014 0,329  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:
565,17 €.
Compared one year ago, in October'13 (0,541%): 582,35 €
Expected monthly savings will be: 17 €.
 
Expected yearly savings will be:  206 
(-2,95%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 1/10/2014:

1 we. 2 we. 1 mo. 2 mo.
-0,014 -0,012 0,006 0,042
3 mo. 6 mo. 9 mo. 12 mo.
0,082 0,181 0,251 0,338

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)
-0,014 -0,012 0,006 0,042
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,082 0,181 0,251 0,338

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 1/10/2014 at 13:55

Tuesday, 30 September 2014

Euribor 30/9/2014 & final value of September average

Final value of September average: 0,362
Oficial value of day 30/9/2014: 0,338 (-0,295%)
 
Comments: Today decreases one thousand and has achieved a new hiscorical minimum and practically all of the Euribor types with lower or equal 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
1/09/2014 0,428 -0,006 -> Reduction compared prev.day:-1,382%
02/09/2014 0,420 -0,008 -> Reduction compared prev.day:-1,869%
03/09/2014 0,419 -0,001 -> Reduction compared prev.day:-0,238%
04/09/2014 0,418 -0,001 -> Reduction compared prev.day:-0,239%
05/09/2014 0,374 -0,044 -> Reduction compared prev.day:-10,526%
08/09/2014 0,366 -0,008 -> Reduction compared prev.day:-2,139%
09/09/2014 0,360 -0,006 -> Reduction compared prev.day:-1,639%
10/09/2014 0,357 -0,003 -> Reduction compared prev.day:-0,833%
11/09/2014 0,352 -0,005 -> Reduction compared prev.day:-1,401%
12/09/2014 0,349 -0,003 -> Reduction compared prev.day:-0,852%
15/09/2014 0,349 =0,000 -> Reduction compared prev.day:=0,000%
16/09/2014 0,346 -0,003 -> Reduction compared prev.day:-0,860%
17/09/2014 0,347 +0,001 -> Reduction compared prev.day:+0,289%
18/09/2014 0,347 =0,000 -> Reduction compared prev.day:=0,000%
19/09/2014 0,347 =0,000 -> Reduction compared prev.day:=0,000%
22/09/2014 0,345 -0,002 -> Reduction compared prev.day:-0,576%
23/09/2014 0,343 -0,002 -> Reduction compared prev.day:-0,580%
24/09/2014 0,344 +0,001 -> Increase compared prev. day:+0,292%
25/09/2014 0,342 -0,002 -> Reduction compared prev.day:-0,581%
26/09/2014 0,341 -0,001 -> Reduction compared prev.day:-0,292%
29/09/2014 0,339 -0,002 -> Reduction compared prev.day:-0,587%
30/09/2014 0,338 -0,001 -> Reduction compared prev.day:-0,295%
  
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: 
567,61 €.
Compared one year ago, in September'13 (0,543%): 582,51 €
Expected monthly savings will be: 15 €.
 
Expected yearly savings will be:  179 
€ (-2,56%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 30/9/2014:

1 we. 2 we. 1 mo. 2 mo.
-0,013 -0,013 0,007 0,043
3 mo. 6 mo. 9 mo. 12 mo.
0,083 0,183 0,251 0,338

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)
-0,008 -0,004 0,018 0,058
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,097 0,200 0,275 0,362

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: 30/9/2014 at 13:55

Monday, 29 September 2014

Euribor 29/9/2014 (12 months & other types)

Forecast of September average: 0,362 (Reliability: 95%)
Oficial value of day 29/9/14: 0,339 (-0,587%)

Comments: In this day decreases 2 thousands (the minimum historical was on 29/9/14: 0,339) and practically all the rest of the Euribor types are lower compared yesterday values, the Euribor at 1 week that decreases 10 thousands: -0,009 (). 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_
01/09/2014 0,428 -0,006 -> Reduction compared prev.day:-1,382%
02/09/2014 0,420 -0,008 -> Reduction compared prev.day:-1,869%
03/09/2014 0,419 -0,001 -> Reduction compared prev.day:-0,238%
04/09/2014 0,418 -0,001 -> Reduction compared prev.day:-0,239%
05/09/2014 0,374 -0,044 -> Reduction compared prev.day:-10,526%
08/09/2014 0,366 -0,008 -> Reduction compared prev.day:-2,139%
09/09/2014 0,360 -0,006 -> Reduction compared prev.day:-1,639%
10/09/2014 0,357 -0,003 -> Reduction compared prev.day:-0,833%
11/09/2014 0,352 -0,005 -> Reduction compared prev.day:-1,401%
12/09/2014 0,349 -0,003 -> Reduction compared prev.day:-0,852%
15/09/2014 0,349 =0,000 -> Reduction compared prev.day:=0,000%
16/09/2014 0,346 -0,003 -> Reduction compared prev.day:-0,860%
17/09/2014 0,347 +0,001 -> Reduction compared prev.day:+0,289%
18/09/2014 0,347 =0,000 -> Reduction compared prev.day:=0,000%
19/09/2014 0,347 =0,000 -> Reduction compared prev.day:=0,000%
22/09/2014 0,345 -0,002 -> Reduction compared prev.day:-0,576%
23/09/2014 0,343 -0,002 -> Reduction compared prev.day:-0,580%
24/09/2014 0,344 +0,001 -> Increase compared prev. day:+0,292%
25/09/2014 0,342 -0,002 -> Reduction compared prev.day:-0,581%
26/09/2014 0,341 -0,001 -> Reduction compared prev.day:-0,292%
29/09/2014 0,339 -0,002 -> Reduction compared prev.day:-0,587%
30/09/2014 0,339  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:
567,61 €.
Compared one year ago, in September'13 (0,543%): 582,51 €
Expected monthly savings will be: 15 €.
 
Expected yearly savings will be:  179 
(-2,56%
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 29/9/2014:

1 we. 2 we. 1 mo. 2 mo.
-0,009 -0,009 0,007 0,043
3 mo. 6 mo. 9 mo. 12 mo.
0,083 0,184 0,253 0,339

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)
-0,007 -0,003 0,018 0,059
3 m(av) 6 m(av) 9 m(av) 12m(a)
0,098 0,200 0,276 0,363

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 29/9/2014 at 13:55