Euribor 31/7/2012 & final value of July average

Final value of July average: 1,061

Oficial value of day 31/7/2012: 0,946 (-1,046%)

 

Comments: Today reduces 10 thousandths more and all of the Euribor types with 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_
02/07/2012 1,213 =0,000 -> Reduction compared prev.day:=0,000%
03/07/2012 1,210 -0,003 -> Reduction compared prev.day:-0,247%
04/07/2012 1,206 -0,004 -> Reduction compared prev.day:-0,331%
05/07/2012 1,202 -0,004 -> Reduction compared prev.day:-0,332%
06/07/2012 1,118 -0,084 -> Reduction compared prev.day:-6,988%
09/07/2012 1,104 -0,014 -> Reduction compared prev.day:-1,252%
10/07/2012 1,095 -0,009 -> Reduction compared prev.day:-0,815%
11/07/2012 1,084 -0,011 -> Reduction compared prev.day:-1,005%
12/07/2012 1,066 -0,018 -> Reduction compared prev.day:-1,661%
13/07/2012 1,054 -0,012 -> Reduction compared prev.day:-1,126%
16/07/2012 1,044 -0,010 -> Reduction compared prev.day:-0,949%
17/07/2012 1,036 -0,008 '-> Reduction compared prev.day:-0,766%
18/07/2012 1,030 -0,006 -> Reduction compared prev.day:-0,579%
19/07/2012 1,021 -0,009 '-> Reduction compared prev.day:-0,874%
20/07/2012 1,011 -0,010 -> Reduction compared prev.day:-0,979%
23/07/2012 1,000 -0,011 -> Reduction compared prev.day:-1,088%
24/07/2012 0,994 -0,006 -> Reduction compared prev.day:-0,600%
25/07/2012 0,989 -0,005 -> Reduction compared prev.day:-0,503%
26/07/2012 0,983 -0,006 -> Reduction compared prev.day:-0,607%
27/07/2012 0,976 -0,007 -> Reduction compared prev.day: -0,712%
30/07/2012 0,956 -0,020 -> Reduction compared prev.day: -2,049%
31/07/2012 0,946 -0,010 -> Reduction compared prev.day:-1,046%                        

    

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: 626,50 €.
Compared one year ago, in July'11 (2,183%): 728,46 €
Expected monthly savings will be: 101,96 €. 
Expected yearly savings will be:  1224 € (-14,00%) 
 

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

 

Euribor from 1 week to 12 months of 31/7/2012:

  

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,102	0,111	0,122	0,149	0,238	0,389	0,487
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,579	0,671	0,718	0,764	0,812	0,858	0,902
12 mo.
0,946

 

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)
0,162	0,174	0,190	0,219	0,324	0,497	0,596
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,686	0,779	0,830	0,879	0,928	0,975	1,019
12m(a)
1,061

 

 Graphic of the current month of Euribor at 12 months:

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

 

Published date: 31/7/2012 at 13:50

 

Euribor 30/7/2012 (12 months & other types)

Forecast of July average: 1,061 (Reliability: 95%)

Oficial value of day 30/7/12: 0,956 (-2,049%)

 

Comments: Today reduces 20 thousandths making another consecutive minimum historical, and all of the Euribor types decrease compared yesterday values, the Euribor at 1 week decreases 2 thousandths more: 0,105 (-1,8%).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_
02/07/2012 1,213 =0,000 -> Reduction compared prev.day:=0,000%
03/07/2012 1,210 -0,003 -> Reduction compared prev.day:-0,247%
04/07/2012 1,206 -0,004 -> Reduction compared prev.day:-0,331%
05/07/2012 1,202 -0,004 -> Reduction compared prev.day:-0,332%
06/07/2012 1,118 -0,084 -> Reduction compared prev.day:-6,988%
09/07/2012 1,104 -0,014 -> Reduction compared prev.day:-1,252%
10/07/2012 1,095 -0,009 -> Reduction compared prev.day:-0,815%
11/07/2012 1,084 -0,011 -> Reduction compared prev.day:-1,005%
12/07/2012 1,066 -0,018 -> Reduction compared prev.day:-1,661%
13/07/2012 1,054 -0,012 -> Reduction compared prev.day:-1,126%
16/07/2012 1,044 -0,010 -> Reduction compared prev.day:-0,949%
17/07/2012 1,036 -0,008 '-> Reduction compared prev.day:-0,766%
18/07/2012 1,030 -0,006 -> Reduction compared prev.day:-0,579%
19/07/2012 1,021 -0,009 '-> Reduction compared prev.day:-0,874%
20/07/2012 1,011 -0,010 -> Reduction compared prev.day:-0,979%
23/07/2012 1,000 -0,011 -> Reduction compared prev.day:-1,088%
24/07/2012 0,994 -0,006 -> Reduction compared prev.day:-0,600%
25/07/2012 0,989 -0,005 -> Reduction compared prev.day:-0,503%
26/07/2012 0,983 -0,006 -> Reduction compared prev.day:-0,607%
27/07/2012 0,976 -0,007 -> Reduction compared prev.day: -0,712%
30/07/2012 0,956 -0,020 -> Reduction compared prev.day: -2,049%
31/07/2012 0,952  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: 626,50 €.
Compared one year ago, in July'11 (2,183%): 728,46 €
Expected monthly savings will be: 101,96 €. 
Expected yearly savings will be:  1224 € (-14,00%) 
 

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

 

Euribor from 1 week to 12 months of 30/7/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,105	0,114	0,125	0,153	0,244	0,401	0,498
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,590	0,680	0,730	0,774	0,824	0,869	0,914
12 mo.
0,956

 

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)
0,164	0,177	0,193	0,223	0,329	0,502	0,601
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,691	0,785	0,836	0,885	0,933	0,980	1,025
12m(a)
1,066

 

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

 

Published date: 30/7/2012 at 13:50

Euribor 27/7/2012 (12 months & other types)

Forecast of July average: 1,063 (Reliability: 85%)

Oficial value of day 27/7/12: 0,976 (-0,712%)

Comments: Today reduces 7 thousandths making another consecutive minimum historical, and all of the Euribor types decrease compared yesterday values, the Euribor at 1 week decreases 2 thousandths: 0,107 (-1,8%).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_ 
02/07/2012 1,213 =0,000 -> Reduction compared prev.day:=0,000%
03/07/2012 1,210 -0,003 -> Reduction compared prev.day:-0,247%
04/07/2012 1,206 -0,004 -> Reduction compared prev.day:-0,331%
05/07/2012 1,202 -0,004 -> Reduction compared prev.day:-0,332%
06/07/2012 1,118 -0,084 -> Reduction compared prev.day:-6,988%
09/07/2012 1,104 -0,014 -> Reduction compared prev.day:-1,252%
10/07/2012 1,095 -0,009 -> Reduction compared prev.day:-0,815%
11/07/2012 1,084 -0,011 -> Reduction compared prev.day:-1,005%
12/07/2012 1,066 -0,018 -> Reduction compared prev.day:-1,661%
13/07/2012 1,054 -0,012 -> Reduction compared prev.day:-1,126%
16/07/2012 1,044 -0,010 -> Reduction compared prev.day:-0,949%
17/07/2012 1,036 -0,008 '-> Reduction compared prev.day:-0,766%
18/07/2012 1,030 -0,006 -> Reduction compared prev.day:-0,579%
19/07/2012 1,021 -0,009 '-> Reduction compared prev.day:-0,874%
20/07/2012 1,011 -0,010 -> Reduction compared prev.day:-0,979%
23/07/2012 1,000 -0,011 -> Reduction compared prev.day:-1,088%
24/07/2012 0,994 -0,006 -> Reduction compared prev.day:-0,600%
25/07/2012 0,989 -0,005 -> Reduction compared prev.day:-0,503%
26/07/2012 0,983 -0,006 -> Reduction compared prev.day:-0,607% 
27/07/2012 0,976 -0,007 -> Reduction compared prev.day:-0,712%
30/07/2012 0,974  Theorical expected value
31/07/2012 0,970  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: 626,67 €.
Compared one year ago, in July'11 (2,183%): 728,46 €
Expected monthly savings will be: 101,79 €.
Expected yearly savings will be:  1221 € (-13,97%) 
 

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

Euribor from 1 week to 12 months of 27/7/2012:

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,107	0,118	0,133	0,160	0,256	0,415	0,515
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,608	0,698	0,748	0,793	0,842	0,892	0,935
12 mo.
0,976

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)
0,167	0,181	0,197	0,226	0,333	0,507	0,606
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,696	0,790	0,841	0,890	0,939	0,986	1,030
12m(a)
1,072

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: 27/7/2012 at 17:50

Euribor 25/7/2012 (12 months & other types)

Forecast of July average: 1,064 (Reliability: 83%)

Oficial value of day 25/7/12: 0,989 (-0,503%)

 

Comments: Today reduces 5 thousandths making another consecutive minimum historical, and all of the Euribor types decrease compared yesterday values, the Euribor at 1 week decreases 1 thousandth more: 0,109 (-1,6%).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_
02/07/2012 1,213 =0,000 -> Reduction compared prev.day:=0,000%
03/07/2012 1,210 -0,003 -> Reduction compared prev.day:-0,247%
04/07/2012 1,206 -0,004 -> Reduction compared prev.day:-0,331%
05/07/2012 1,202 -0,004 -> Reduction compared prev.day:-0,332%
06/07/2012 1,118 -0,084 -> Reduction compared prev.day:-6,988%
09/07/2012 1,104 -0,014 -> Reduction compared prev.day:-1,252%
10/07/2012 1,095 -0,009 -> Reduction compared prev.day:-0,815%
11/07/2012 1,084 -0,011 -> Reduction compared prev.day:-1,005%
12/07/2012 1,066 -0,018 -> Reduction compared prev.day:-1,661%
13/07/2012 1,054 -0,012 -> Reduction compared prev.day:-1,126%
16/07/2012 1,044 -0,010 -> Reduction compared prev.day:-0,949%
17/07/2012 1,036 -0,008 '-> Reduction compared prev.day:-0,766%
18/07/2012 1,030 -0,006 -> Reduction compared prev.day:-0,579%
19/07/2012 1,021 -0,009 '-> Reduction compared prev.day:-0,874%
20/07/2012 1,011 -0,010 -> Reduction compared prev.day:-0,979%
23/07/2012 1,000 -0,011 -> Reduction compared prev.day:-1,088%
24/07/2012 0,994 -0,006 -> Reduction compared prev.day:-0,600%
25/07/2012 0,989 -0,005 -> Reduction compared prev.day:-0,503%
26/07/2012 0,985  Theorical expected value                  
27/07/2012 0,981  Theorical expected value                  
30/07/2012 0,979  Theorical expected value                  
31/07/2012 0,975  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: 627,02 €.
Compared one year ago, in July'11 (2,183%): 728,46 €
Expected monthly savings will be: 101,44 €. 
Expected yearly savings will be:  1217 € (-13,93%) 
 

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

 

Euribor from 1 week to 12 months of 25/7/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,109	0,121	0,136	0,165	0,263	0,427	0,528
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,619	0,712	0,762	0,809	0,858	0,904	0,947
12 mo.
0,989

 

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)
0,174	0,187	0,204	0,234	0,341	0,517	0,616
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,706	0,799	0,851	0,900	0,949	0,996	1,041
12m(a)
1,082

 

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

 

Published date: 25/7/2012 at 13:50

Euribor 24/7/2012 (12 months & other types)

Forecast of July average: 1,064 (Reliability: 80%)

Oficial value of day 24/7/12: 0,994 (-0,6%)

 

Comments: Today reduces 6 thousandths making another consecutive minimum historical, and all of the Euribor types decrease compared yesterday values, the Euribor at 1 week decreases 1 thousandth more: 0,111 (-0,8%).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_
02/07/2012 1,213 =0,000 -> Reduction compared prev.day:=0,000%
03/07/2012 1,210 -0,003 -> Reduction compared prev.day:-0,247%
04/07/2012 1,206 -0,004 -> Reduction compared prev.day:-0,331%
05/07/2012 1,202 -0,004 -> Reduction compared prev.day:-0,332%
06/07/2012 1,118 -0,084 -> Reduction compared prev.day:-6,988%
09/07/2012 1,104 -0,014 -> Reduction compared prev.day:-1,252%
10/07/2012 1,095 -0,009 -> Reduction compared prev.day:-0,815%
11/07/2012 1,084 -0,011 -> Reduction compared prev.day:-1,005%
12/07/2012 1,066 -0,018 -> Reduction compared prev.day:-1,661%
13/07/2012 1,054 -0,012 -> Reduction compared prev.day:-1,126%
16/07/2012 1,044 -0,010 -> Reduction compared prev.day:-0,949%
17/07/2012 1,036 -0,008 '-> Reduction compared prev.day:-0,766%
18/07/2012 1,030 -0,006 -> Reduction compared prev.day:-0,579%
19/07/2012 1,021 -0,009 '-> Reduction compared prev.day:-0,874%
20/07/2012 1,011 -0,010 -> Reduction compared prev.day:-0,979%
23/07/2012 1,000 -0,011 -> Reduction compared prev.day:-1,088%
24/07/2012 0,994 -0,006 -> Reduction compared prev.day:-0,600%
25/07/2012 0,990  Theorical expected value                
26/07/2012 0,986  Theorical expected value                
27/07/2012 0,982  Theorical expected value                
30/07/2012 0,980  Theorical expected value                
31/07/2012 0,976  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: 627,02 €.
Compared one year ago, in July'11 (2,183%): 728,46 €
Expected monthly savings will be: 101,44 €. 
Expected yearly savings will be:  1217 € (-13,93%) 
 

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

 

Euribor from 1 week to 12 months of 24/7/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,111	0,124	0,139	0,169	0,271	0,435	0,536
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,626	0,721	0,769	0,819	0,865	0,911	0,953
12 mo.
0,994

 

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)
0,178	0,191	0,208	0,238	0,346	0,522	0,621
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,711	0,805	0,856	0,906	0,954	1,001	1,046
12m(a)
1,088

 

 

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

 

Published date: 24/7/2012 at 13:50