Euribor 14/9/2012 (12 months & other types)

Forecast of Setember average: 0,760 (Reliability: 50%)

Oficial value of day 14/9/12: 0,746 (-0,533%)

 

Comments: Today reduces 4 thousandths more, (a new minimun historical, it's the first time in the historical datas that the Euribor has a lower value than the official price of money) and practically all of the Euribor types are lower compared yesterday values, the Euribor at 1 week decreases one thousandth more: 0,086 (-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_
03/09/2012 0,798 -0,007 -> Reduction compared prev.day:-0,870%
04/09/2012 0,791 -0,007 -> Reduction compared prev.day:-0,877%
05/09/2012 0,782 -0,009 -> Reduction compared prev.day:-1,138%
06/09/2012 0,776 -0,006 -> Reduction compared prev.day:-0,767%
07/09/2012 0,773 -0,003 -> Reduction compared prev.day:-0,387%
10/09/2012 0,766 -0,007 -> Reduction compared prev.day:-0,906%
11/09/2012 0,759 -0,007 -> Reduction compared prev.day:-0,914%
12/09/2012 0,753 -0,006 -> Reduction compared prev.day:-0,791%
13/09/2012 0,750 -0,003 -> Reduction compared prev.day:-0,398%
14/09/2012 0,746 -0,004 -> Reduction compared prev.day:-0,533%
17/09/2012 0,744  Theorical expected value     
18/09/2012 0,746  Theorical expected value     
19/09/2012 0,744  Theorical expected value     
20/09/2012 0,746  Theorical expected value     
21/09/2012 0,748  Theorical expected value     
24/09/2012 0,746  Theorical expected value     
25/09/2012 0,744  Theorical expected value     
26/09/2012 0,746  Theorical expected value     
27/09/2012 0,744  Theorical expected value     
28/09/2012 0,743  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: 600,78 €.
Compared one year ago, in Setember'11 (2,067%): 717,50 €
Expected monthly savings will be: 116,72 €. 
Expected yearly savings will be:  1401 € (-16,27%) 
 

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

 

Euribor from 1 week to 12 months of 14/9/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,086	0,095	0,102	0,120	0,173	0,250	0,324
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,412	0,487	0,537	0,581	0,625	0,665	0,705
12 mo.
0,746

 

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)
0,088	0,097	0,104	0,121	0,176	0,263	0,340
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,432	0,510	0,560	0,604	0,647	0,687	0,729
12m(a)
0,769

 

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: 14/9/2012 at 13:55