Euribor 31/1/2012 & final value of January average

Final value of January average: 1,837

Oficial value of day 31/1/2012: 1,754 (-0,454%)

 

Comments: Today 8 thousandths less and all of the Euribor types are lower than yesterday. 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_
02/01/2012 1,937 -0,010 -> Reduction compared prev.day:-0,514%
03/01/2012 1,930 -0,007 -> Reduction compared prev.day:-0,361%
04/01/2012 1,918 -0,012 -> Reduction compared prev.day:-0,622%
05/01/2012 1,903 -0,015 -> Reduction compared prev.day:-0,782%
06/01/2012 1,890 -0,013 -> Reduction compared prev.day:-0,683%
09/01/2012 1,882 -0,008 -> Reduction compared prev.day:-0,423%
10/01/2012 1,875 -0,007 -> Reduction compared prev.day:-0,372%
11/01/2012 1,868 -0,007 -> Reduction compared prev.day:-0,373%
12/01/2012 1,856 -0,012 -> Reduction compared prev.day:-0,642%
13/01/2012 1,842 -0,014 -> Reduction compared prev.day:-0,754%
16/01/2012 1,832 -0,010 -> Reduction compared prev.day:-0,543%
17/01/2012 1,826 -0,006 -> Reduction compared prev.day:-0,328%
18/01/2012 1,818 -0,008 -> Reduction compared prev.day:-0,438%
19/01/2012 1,812 -0,006 -> Reduction compared prev.day:-0,330%
20/01/2012 1,804 -0,008 -> Reduction compared prev.day:-0,442%
23/01/2012 1,793 -0,011 -> Reduction compared prev.day:-0,610%
24/01/2012 1,784 -0,009 -> Reduction compared prev.day:-0,502%
25/01/2012 1,779 -0,005 -> Reduction compared prev.day:-0,280%
26/01/2012 1,773 -0,006 -> Reduction compared prev.day:-0,337%
27/01/2012 1,768 -0,005 -> Reduction compared prev.day:-0,282%
30/01/2012 1,762 -0,006 -> Reduction compared prev.day:-0,339%
31/01/2012 1,754 -0,008 -> Reduction compared prev.day:-0,454%  

   

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: 696,06 €.
Compared one year ago, in January'11 (1,550%): 669,82 €
Expected monthly extra expenses will be: 26,24 €. 
Expected yearly extra expenses will be:  315 € (+3,92%) 
 

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

 

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

      

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,401	0,486	0,578	0,713	0,918	1,125	1,222
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
1,315	1,418	1,485	1,544	1,605	1,654	1,704
12 mo.
1,754

 

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)
0,488	0,583	0,684	0,836	1,029	1,222	1,314
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
1,403	1,505	1,568	1,626	1,685	1,735	1,785
12m(a)
1,837

 

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: 31/1/2012 at 13:50

Euribor 30/1/2012 (12 months & other types)

Forecast of January average: 1,837 (Reliability: 95%)

Oficial value of day 30/1/12: 1,762 (-0,339%)

 

Comments: Today others 6 thousandths less, and the rest of Euribor types are lower compared Friday values, and the Euribor at 1 week today decreases  thousandth more (a -1.4%), has went back till  28-june-10 when had similar values than today .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_
02/01/2012 1,937 -0,010 -> Reduction compared prev.day:-0,514%
03/01/2012 1,930 -0,007 -> Reduction compared prev.day:-0,361%
04/01/2012 1,918 -0,012 -> Reduction compared prev.day:-0,622%
05/01/2012 1,903 -0,015 -> Reduction compared prev.day:-0,782%
06/01/2012 1,890 -0,013 -> Reduction compared prev.day:-0,683%
09/01/2012 1,882 -0,008 -> Reduction compared prev.day:-0,423%
10/01/2012 1,875 -0,007 -> Reduction compared prev.day:-0,372%
11/01/2012 1,868 -0,007 -> Reduction compared prev.day:-0,373%
12/01/2012 1,856 -0,012 -> Reduction compared prev.day:-0,642%
13/01/2012 1,842 -0,014 -> Reduction compared prev.day:-0,754%
16/01/2012 1,832 -0,010 -> Reduction compared prev.day:-0,543%
17/01/2012 1,826 -0,006 -> Reduction compared prev.day:-0,328%
18/01/2012 1,818 -0,008 -> Reduction compared prev.day:-0,438%
19/01/2012 1,812 -0,006 -> Reduction compared prev.day:-0,330%
20/01/2012 1,804 -0,008 -> Reduction compared prev.day:-0,442%
23/01/2012 1,793 -0,011 -> Reduction compared prev.day:-0,610%
24/01/2012 1,784 -0,009 -> Reduction compared prev.day:-0,502%
25/01/2012 1,779 -0,005 -> Reduction compared prev.day:-0,280%
26/01/2012 1,773 -0,006 -> Reduction compared prev.day:-0,337%
27/01/2012 1,768 -0,005 -> Reduction compared prev.day:-0,282%
30/01/2012 1,762 -0,006 -> Reduction compared prev.day:-0,339%
31/01/2012 1,759  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: 696,06 €.
Compared one year ago, in January'11 (1,550%): 669,82 €
Expected monthly extra expenses will be: 26,24 €. 
Expected yearly extra expenses will be:  315 € (+3,92%) 
 

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

 

Euribor from 1 week to 12 months of 30/1/2012:

      

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,404	0,492	0,583	0,721	0,928	1,131	1,228
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
1,321	1,425	1,493	1,552	1,612	1,663	1,711
12 mo.
1,762

 

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)
0,492	0,587	0,689	0,842	1,034	1,227	1,318
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
1,407	1,509	1,572	1,630	1,689	1,739	1,789
12m(a)
1,841

 

 

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

 

Published date: 30/1/2012 at 13:50

Euribor 27/1/2012 (12 months & other types)

Forecast of January average: 1,837 (Reliability: 90%)

Oficial value of day 27/1/12: 1,768 (-0,282%)

 

Comments: Today 5 thousandths less, and the rest of Euribor types are lower compared yesterday values, and the Euribor at 1 week today decreases 1 thousandth more (a -0.2%), has went back till  29-june-10 when had similar values than today .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_
02/01/2012 1,937 -0,010 -> Reduction compared prev.day:-0,514%
03/01/2012 1,930 -0,007 -> Reduction compared prev.day:-0,361%
04/01/2012 1,918 -0,012 -> Reduction compared prev.day:-0,622%
05/01/2012 1,903 -0,015 -> Reduction compared prev.day:-0,782%
06/01/2012 1,890 -0,013 -> Reduction compared prev.day:-0,683%
09/01/2012 1,882 -0,008 -> Reduction compared prev.day:-0,423%
10/01/2012 1,875 -0,007 -> Reduction compared prev.day:-0,372%
11/01/2012 1,868 -0,007 -> Reduction compared prev.day:-0,373%
12/01/2012 1,856 -0,012 -> Reduction compared prev.day:-0,642%
13/01/2012 1,842 -0,014 -> Reduction compared prev.day:-0,754%
16/01/2012 1,832 -0,010 -> Reduction compared prev.day:-0,543%
17/01/2012 1,826 -0,006 -> Reduction compared prev.day:-0,328%
18/01/2012 1,818 -0,008 -> Reduction compared prev.day:-0,438%
19/01/2012 1,812 -0,006 -> Reduction compared prev.day:-0,330%
20/01/2012 1,804 -0,008 -> Reduction compared prev.day:-0,442%
23/01/2012 1,793 -0,011 -> Reduction compared prev.day:-0,610%
24/01/2012 1,784 -0,009 -> Reduction compared prev.day:-0,502%
25/01/2012 1,779 -0,005 -> Reduction compared prev.day:-0,280%
26/01/2012 1,773 -0,006 -> Reduction compared prev.day:-0,337%
27/01/2012 1,768 -0,005 ->  Reduction compared prev.day:-0,282%
30/01/2012 1,763  Theorical expected value    
31/01/2012 1,760  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: 696,06 €.
Compared one year ago, in January'11 (1,550%): 669,82 €
Expected monthly extra expenses will be: 26,24 €. 
Expected yearly extra expenses will be:  315 € (+3,92%) 
 

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

 

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

      

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,410	0,499	0,590	0,728	0,934	1,138	1,236
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
1,328	1,433	1,499	1,558	1,618	1,669	1,717
12 mo.
1,768

 

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)
0,497	0,592	0,694	0,848	1,040	1,232	1,323
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
1,411	1,513	1,576	1,634	1,693	1,743	1,793
12m(a)
1,845

 

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: 27/1/2012 at 13:50