Euribor 4/7/2012 (12 months & other types)

Forecast of July average: 1,209 (Reliability: 15%)

Oficial value of day 4/7/12: 1,206 (-0,247%)

 

Comments: Today reduces 4 thousandths, and practically all of the Euribor types with slightly changes compared yesterday values, and the Euribor at 1 week decreases 2 thousandths more:  0,317 (-0,6%).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 1,206  ECB, not expected changes(=1%)    
06/07/2012 1,207  Theorical expected value      
09/07/2012 1,208  Theorical expected value      
10/07/2012 1,208  Theorical expected value      
11/07/2012 1,207  Theorical expected value      
12/07/2012 1,207  Theorical expected value      
13/07/2012 1,206  Theorical expected value      
16/07/2012 1,207  Theorical expected value      
17/07/2012 1,208  Theorical expected value      
18/07/2012 1,208  Theorical expected value      
19/07/2012 1,207  Theorical expected value      
20/07/2012 1,207  Theorical expected value      
23/07/2012 1,206  Theorical expected value      
24/07/2012 1,207  Theorical expected value      
25/07/2012 1,207  Theorical expected value      
26/07/2012 1,207  Theorical expected value      
27/07/2012 1,207  Theorical expected value      
30/07/2012 1,206  Theorical expected value      
31/07/2012 1,206  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: 639,60 €.
Compared one year ago, in July'11 (2,183%): 728,46 €
Expected monthly savings will be: 88,86 €. 
Expected yearly savings will be:  1066 € (-12,20%) 
 

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

 

Euribor from 1 week to 12 months of 4/7/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,317	0,330	0,347	0,367	0,466	0,645	0,743
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,833	0,923	0,972	1,022	1,070	1,118	1,164
12 mo.
1,206

 

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)
0,319	0,332	0,349	0,370	0,470	0,649	0,746
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,836	0,926	0,976	1,025	1,074	1,121	1,168
12m(a)
1,210

 

 

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

 

Published date: 4/7/2012 at 13:50