Thursday 22 December 2011

Euribor 22/12/2011 (12 months & other types)

Forecast of December average: 2,009 (Reliability: 76%)
Oficial value of day 22/12/11: 1,995 (-0,100%)
 
Comments: Today reduces 2 thousandths more, and the rest of Euribor types are lower compared yesterday values, but I don't like so much that the Euribor at 1 week today increases one tenth (a +13,70%), we hope will be a technical increase, continuing being similar values than had on 07-march-11.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_
01/12/2011 2,030 -0,005 -> Reduction compared prev.day:-0,246%
02/12/2011 2,033 +0,003 -> Increase compared prev. day:+0,148%
05/12/2011 2,036 +0,003 -> Increase compared prev. day:+0,148%
06/12/2011 2,040 +0,004 -> Increase compared prev. day:+0,196%
07/12/2011 2,039 -0,001 -> Reduction compared prev.day:-0,049%
08/12/2011 2,034 -0,005 -> Reduction compared prev.day:-0,245%
09/12/2011 2,012 -0,022 -> Reduction compared prev.day:-1,082%
12/12/2011 2,008 -0,004 -> Reduction compared prev.day:-0,199%
13/12/2011 2,008 =0,000 -> Reduction compared prev.day:=0,000%
14/12/2011 2,005 -0,003 -> Reduction compared prev.day:-0,149%
15/12/2011 2,001 -0,004 -> Reduction compared prev.day:-0,200%
16/12/2011 2,001 =0,000 -> Reduction compared prev.day:=0,000%
19/12/2011 2,002 +0,001 -> Increase compared prev. day:+0,050%
20/12/2011 2,000 -0,002 -> Reduction compared prev.day:-0,100%
21/12/2011 1,997 -0,003 -> Reduction compared prev.day:-0,150%
22/12/2011 1,995 -0,002 -> Reduction compared prev.day:-0,100%
23/12/2011 1,993  Theorical expected value        
27/12/2011 1,991  Theorical expected value        
28/12/2011 1,992  Theorical expected value        
29/12/2011 1,991  Theorical expected value        
30/12/2011 1,990  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:
711,50 €.
Compared one year ago, in December'10 (1,526%): 667,01 €
Expected monthly extra expenses will be: 46,63 €.
 
Expected yearly extra expenses will be:  560
(+7,01%) 
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 22/12/2011:
      
1 we. 2 we. 3 we. 1 mo. 2 mo. 3 mo. 4 mo.
0,861 0,936 1,002 1,121 1,243 1,410 1,487
5 mo. 6 mo. 7 mo. 8 mo. 9 mo. 10 mo. 11 mo.
1,565 1,662 1,719 1,780 1,835 1,888 1,940
12 mo.





1,995





 
Real average of Euribor of the current month from 1 week to 12 months:
        
1 w(av) 2 w(av) 3 w(av) 1 m(av) 2 m(av) 3 m(av) 4 m(av)
0,825 0,942 1,038 1,165 1,274 1,440 1,512
5 m(av) 6 m(av) 7 m(av) 8 m(av) 9 m(av) 10m(a) 11m(a)
1,589 1,681 1,736 1,798 1,852 1,907 1,960
12m(a)





2,015





 
Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 22/12/2011 at 13:50

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