Euribor 31/12/2012 & final value of December average

Final value of December average: 0,549

Oficial value of day 31/12/2012: 0,542 (-0,184%)

 

Comments: Today decreases one thousandth, and practically the rest of the Euribor types with a slightly changes 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_
03/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
04/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
05/12/2012 0,573 -0,001 -> Reduction compared prev.day:-0,174%
07/12/2012 0,558 -0,012 -> Reduction compared prev.day:-2,105%
10/12/2012 0,547 -0,011 -> Reduction compared prev.day:-1,971%
11/12/2012 0,540 -0,007 -> Reduction compared prev.day:-1,280%
12/12/2012 0,540 =0,000 -> Reduction compared prev.day:=0,000%
13/12/2012 0,539 -0,001 -> Reduction compared prev.day:-0,185%
14/12/2012 0,537 -0,002 -> Reduction compared prev.day:-0,371%
17/12/2012 0,539 +0,002 -> Increase compared prev. day:+0,372%
18/12/2012 0,540 +0,001 -> Increase compared prev. day:+0,186%
19/12/2012 0,542 +0,002 -> Increase compared prev. day:+0,370%
20/12/2012 0,543 +0,001 -> Increase compared prev. day:+0,185%
21/12/2012 0,543 =0,000 -> Increase compared prev. day:=0,000%
24/12/2012 0,544 +0,001 -> Increase compared prev. day:+0,184%
27/12/2012 0,543 -0,001 -> Reduction compared prev.day:-0,184%
28/12/2012 0,543 =0,000 -> Reduction compared prev.day:=0,000%
31/12/2012 0,542 -0,001 -> Reduction compared prev.day:-0,184%
 

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: 583,01 €.
Compared one year ago, in December'11 (2,004%): 711,59 €
Expected monthly savings will be: 128,58 €. 
Expected yearly savings will be:  1543 € (-18,07%) 
 

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

 

Euribor from 1 week to 12 months of 31/12/2012:

    

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,081	0,088	0,095	0,109	0,148	0,187	0,229
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,277	0,320	0,360	0,399	0,432	0,471	0,508
12 mo.
0,542

 

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)
0,079	0,087	0,096	0,111	0,147	0,185	0,228
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,278	0,324	0,364	0,403	0,435	0,476	0,513
12m(a)
0,549

  

 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: 31/12/2012 at 15:00

 

Euribor 28/12/2012 (12 months & other types)

Forecast of December average: 0,549 (Reliability: 95%)

Oficial value of day 28/12/12: 0,543 (=)

 

Comments: Today repeats value, and practically the rest of the Euribor types with a slightly changes compared yesterday values, except the Euribor at 1 week which decreases 7 thousandth too: 0,082 (-7'8%). 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_
03/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
04/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
05/12/2012 0,573 -0,001 -> Reduction compared prev.day:-0,174%
07/12/2012 0,558 -0,012 -> Reduction compared prev.day:-2,105%
10/12/2012 0,547 -0,011 -> Reduction compared prev.day:-1,971%
11/12/2012 0,540 -0,007 -> Reduction compared prev.day:-1,280%
12/12/2012 0,540 =0,000 -> Reduction compared prev.day:=0,000%
13/12/2012 0,539 -0,001 -> Reduction compared prev.day:-0,185%
14/12/2012 0,537 -0,002 -> Reduction compared prev.day:-0,371%
17/12/2012 0,539 +0,002 -> Increase compared prev. day:+0,372%
18/12/2012 0,540 +0,001 -> Increase compared prev. day:+0,186%
19/12/2012 0,542 +0,002 -> Increase compared prev. day:+0,370%
20/12/2012 0,543 +0,001 -> Increase compared prev. day:+0,185%
21/12/2012 0,543 =0,000 -> Increase compared prev. day:=0,000%
24/12/2012 0,544 +0,001 -> Increase compared prev. day:+0,184%
27/12/2012 0,543 -0,001 -> Reduction compared prev.day:-0,184%
28/12/2012 0,543 =0,000 -> Reduction compared prev.day:=0,000%
31/12/2012 0,543  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: 582,85 €.
Compared one year ago, in December'11 (2,004%): 711,59 €
Expected monthly savings will be: 128,75 €. 
Expected yearly savings will be:  1545 € (-18,09%) 
 

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

 

Euribor from 1 week to 12 months of 28/12/2012:

   

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,082	0,088	0,096	0,109	0,148	0,186	0,228
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,278	0,320	0,360	0,399	0,432	0,473	0,509
12 mo.
0,543

 

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)
0,079	0,087	0,096	0,111	0,147	0,185	0,227
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,278	0,324	0,364	0,403	0,435	0,477	0,514
12m(a)
0,549

 

Note: On right you have a small application where you can calculate your mortgage monthly payment.

 

Published date: 28/12/2012 at 16:00

Euribor 27/12/2012 (12 months & other types)

Forecast of December average: 0,550 (Reliability: 90%)

Oficial value of day 27/12/12: 0,543 (-0,184%)

 

Comments: Today decreases one thousandth, and practically the rest of the Euribor types with a slightly changes compared yesterday values, the Euribor at 1 week which decreases 1 thousandth too: 0,089 (-1'1%). 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_
03/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
04/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
05/12/2012 0,573 -0,001 -> Reduction compared prev.day:-0,174%
07/12/2012 0,558 -0,012 -> Reduction compared prev.day:-2,105%
10/12/2012 0,547 -0,011 -> Reduction compared prev.day:-1,971%
11/12/2012 0,540 -0,007 -> Reduction compared prev.day:-1,280%
12/12/2012 0,540 =0,000 -> Reduction compared prev.day:=0,000%
13/12/2012 0,539 -0,001 -> Reduction compared prev.day:-0,185%
14/12/2012 0,537 -0,002 -> Reduction compared prev.day:-0,371%
17/12/2012 0,539 +0,002 -> Increase compared prev. day:+0,372%
18/12/2012 0,540 +0,001 -> Increase compared prev. day:+0,186%
19/12/2012 0,542 +0,002 -> Increase compared prev. day:+0,370%
20/12/2012 0,543 +0,001 -> Increase compared prev. day:+0,185%
21/12/2012 0,543 =0,000 -> Increase compared prev. day:=0,000%
24/12/2012 0,544 +0,001 -> Increase compared prev. day:+0,184%
27/12/2012 0,543 -0,001 -> Reduction compared prev.day:-0,184%
28/12/2012 0,544  Theorical expected value 
31/12/2012 0,545  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: 582,85 €.
Compared one year ago, in December'11 (2,004%): 711,59 €
Expected monthly savings will be: 128,75 €. 
Expected yearly savings will be:  1545 € (-18,09%) 
 

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

 

Euribor from 1 week to 12 months of 27/12/2012:

  

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,089	0,092	0,099	0,111	0,148	0,185	0,228
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,277	0,319	0,360	0,398	0,431	0,471	0,509
12 mo.
0,543

 

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)
0,079	0,087	0,096	0,111	0,147	0,185	0,227
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,278	0,324	0,365	0,404	0,436	0,477	0,514
12m(a)
0,550

 

Note: On right you have a small application where you can calculate your mortgage monthly payment.

 

Published date: 27/12/2012 at 15:40

Euribor 24/12/2012 (12 months & other types)

Forecast of December average: 0,550 (Reliability: 85%)

Oficial value of day 24/12/12: 0,544 (+0,184%)

 

Comments: Today increases one thousandth, and practically the rest of the Euribor types with a slightly increases compared yesterday values, the Euribor at 1 week which increases 2 thousandths: 0,090 (+2'2%), if this value continues in the next months, the target of the Euribor at 12 months will be around 0'62. 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_
03/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
04/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
05/12/2012 0,573 -0,001 -> Reduction compared prev.day:-0,174%
07/12/2012 0,558 -0,012 -> Reduction compared prev.day:-2,105%
10/12/2012 0,547 -0,011 -> Reduction compared prev.day:-1,971%
11/12/2012 0,540 -0,007 -> Reduction compared prev.day:-1,280%
12/12/2012 0,540 =0,000 -> Reduction compared prev.day:=0,000%
13/12/2012 0,539 -0,001 -> Reduction compared prev.day:-0,185%
14/12/2012 0,537 -0,002 -> Reduction compared prev.day:-0,371%
17/12/2012 0,539 +0,002 -> Increase compared prev. day:+0,372%
18/12/2012 0,540 +0,001 -> Increase compared prev. day:+0,186%
19/12/2012 0,542 +0,002 -> Increase compared prev. day:+0,370%
20/12/2012 0,543 +0,001 -> Increase compared prev. day:+0,185%
21/12/2012 0,543 =0,000 -> Increase compared prev. day:=0,000%
24/12/2012 0,544 +0,001 -> Increase compared prev. day:+0,184%
27/12/2012 0,545  Theorical expected value
28/12/2012 0,546  Theorical expected value
31/12/2012 0,547  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: 582,85 €.
Compared one year ago, in December'11 (2,004%): 711,59 €
Expected monthly savings will be: 128,75 €. 
Expected yearly savings will be:  1545 € (-18,09%) 
 

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

 

Euribor from 1 week to 12 months of 24/12/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,090	0,092	0,099	0,110	0,148	0,186	0,227
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,275	0,319	0,359	0,398	0,430	0,470	0,508
12 mo.
0,544

 

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)
0,078	0,086	0,096	0,111	0,147	0,185	0,227
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,278	0,324	0,365	0,404	0,436	0,477	0,514
12m(a)
0,550

 

Note: On right you have a small application where you can calculate your mortgage monthly payment.

 

Published date: 24/12/2012 at 13:55

Euribor 21/12/2012 (12 months & other types)

Forecast of December average: 0,550 (Reliability: 80%)

Oficial value of day 21/12/12: 0,543 (=)

 

Comments: Today repeats value, and practically the rest of the Euribor types with a slightly changes compared yesterday values, except the Euribor at 1 week which increases 10 thousandth: 0,088 (+12'8%), be carefull if this increase continue in the next days augurs the increase of the rest of Euribor types . 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_
03/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
04/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
05/12/2012 0,573 -0,001 -> Reduction compared prev.day:-0,174%
07/12/2012 0,558 -0,012 -> Reduction compared prev.day:-2,105%
10/12/2012 0,547 -0,011 -> Reduction compared prev.day:-1,971%
11/12/2012 0,540 -0,007 -> Reduction compared prev.day:-1,280%
12/12/2012 0,540 =0,000 -> Reduction compared prev.day:=0,000%
13/12/2012 0,539 -0,001 -> Reduction compared prev.day:-0,185%
14/12/2012 0,537 -0,002 -> Reduction compared prev.day:-0,371%
17/12/2012 0,539 +0,002 -> Increase compared prev. day:+0,372%
18/12/2012 0,540 +0,001 -> Increase compared prev. day:+0,186%
19/12/2012 0,542 +0,002 -> Increase compared prev. day:+0,370%
20/12/2012 0,543 +0,001 -> Increase compared prev. day:+0,185%
21/12/2012 0,543 =0,000 -> Increase compared prev. day:=0,000%
24/12/2012 0,544  Theorical expected value   
27/12/2012 0,544  Theorical expected value   
28/12/2012 0,545  Theorical expected value   
31/12/2012 0,545  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: 582,85 €.
Compared one year ago, in December'11 (2,004%): 711,59 €
Expected monthly savings will be: 128,75 €. 
Expected yearly savings will be:  1545 € (-18,09%) 
 

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

 

Euribor from 1 week to 12 months of 21/12/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,088	0,091	0,098	0,110	0,148	0,184	0,225
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,274	0,318	0,359	0,397	0,429	0,469	0,507
12 mo.
0,543

 

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)
0,078	0,086	0,096	0,111	0,147	0,185	0,227
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,279	0,325	0,365	0,404	0,436	0,478	0,514
12m(a)
0,551

 

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: 21/12/2012 at 13:55

Euribor 20/12/2012 (12 months & other types)

Forecast of December average: 0,548 (Reliability: 75%)

Oficial value of day 20/12/12: 0,543 (+0,185%)

 

Comments: Today increases one thousandth, and practically the rest of the Euribor types with a slightly increases compared yesterday values, the Euribor at 1 week repeats value: 0,078 (=). 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_
03/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
04/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
05/12/2012 0,573 -0,001 -> Reduction compared prev.day:-0,174%
07/12/2012 0,558 -0,012 -> Reduction compared prev.day:-2,105%
10/12/2012 0,547 -0,011 -> Reduction compared prev.day:-1,971%
11/12/2012 0,540 -0,007 -> Reduction compared prev.day:-1,280%
12/12/2012 0,540 =0,000 -> Reduction compared prev.day:=0,000%
13/12/2012 0,539 -0,001 -> Reduction compared prev.day:-0,185%
14/12/2012 0,537 -0,002 -> Reduction compared prev.day:-0,371%
17/12/2012 0,539 +0,002 -> Increase compared prev. day:+0,372%
18/12/2012 0,540 +0,001 -> Increase compared prev. day:+0,186%
19/12/2012 0,542 +0,002 -> Increase compared prev. day:+0,370%
20/12/2012 0,543 +0,001 -> Increase compared prev. day:+0,185%
21/12/2012 0,544  Theorical expected value    
24/12/2012 0,544  Theorical expected value    
27/12/2012 0,544  Theorical expected value    
28/12/2012 0,544  Theorical expected value    
31/12/2012 0,544  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: 582,85 €.
Compared one year ago, in December'11 (2,004%): 711,59 €
Expected monthly savings will be: 128,75 €. 
Expected yearly savings will be:  1545 € (-18,09%) 
 

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

 

Euribor from 1 week to 12 months of 20/12/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,078	0,091	0,098	0,110	0,147	0,183	0,225
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,274	0,318	0,359	0,397	0,429	0,470	0,508
12 mo.
0,543

 

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)
0,077	0,086	0,096	0,111	0,147	0,185	0,228
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,279	0,325	0,366	0,405	0,437	0,478	0,515
12m(a)
0,551

 

 

Note: On right you have a small application where you can calculate your mortgage monthly payment.

 

Published date: 20/12/2012 at 13:55