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