Euribor, forecast for today (27/01) of january average: 2,626

Oficial value of today 27/01/09: 2,335
Hypothetic projected value: 2,626

(Date format: dd/mm/yy)
<__date____interest>
02/01/09 3,0250 -0,0240 -> Reduction compared prev. day:-0,787%
05/01/09 2,9950 -0,0300 -> Reduction compared prev. day:-0,992%
06/01/09 2,9590 -0,0360 -> Reduction compared prev. day:-1,202%
07/01/09 2,9240 -0,0350 -> Reduction compared prev. day:-1,183%
08/01/09 2,8820 -0,0420 -> Reduction compared prev. day:-1,436%
09/01/09 2,8340 -0,0480 -> Reduction compared prev. day:-1,666%
12/01/09 2,7820 -0,0520 -> Reduction compared prev. day:-1,835%
13/01/09 2,7380 -0,0440 -> Reduction compared prev. day:-1,582%
14/01/09 2,7000 -0,0380 -> Reduction compared prev. day:-1,388%
15/01/09 2,6510 -0,0490 -> Reduction compared prev. day:-1,815%
16/01/09 2,6150 -0,0360 -> Reduction compared prev. day:-1,358%
19/01/09 2,5720 -0,0430 -> Reduction compared prev. day:-1,644%
20/01/09 2,5310 -0,0410 -> Reduction compared prev. day:-1,594%
21/01/09 2,4740 -0,0570 -> Reduction compared prev. day:-2,252%
22/01/09 2,4260 -0,0480 -> Reduction compared prev. day:-1,940%
23/01/09 2,3790 -0,0470 -> Reduction compared prev. day:-1,937%
26/01/09 2,3470 -0,0320 -> Reduction compared prev. day:-1,345%
27/01/09 2,3350 -0,0120 -> Reduction compared yesterday:-0,511%
28/01/09 2,3300 Theorical expected value
29/01/09 2,3250 Theorical expected value
30/01/09 2,3200 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: 771,17€ (-20,17%, compared one year ago)
Compared one year ago the expected monthly savings will be: 195€, and the expected yearly savings will be: 2339€

(The monthly payments are calculated using the french metod type)