Euribor 1/11/2012 (12 months & other types)

Forecast of November average: 0,605 (Reliability: 5%)

Oficial value of day 1/11/12: 0,615 (-0,485%)

 

Comments: Today decreases 3 thousandths (other minimun historical), and practically all of the Euribor types are lower or equal compared yesterday values, the Euribor at 1 week repeats value: 0,079 (=). 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_
01/11/2012 0,615 -0,003 -> Reduction compared prev.day:-0,485%
02/11/2012 0,615  Theorical expected value
05/11/2012 0,614  Theorical expected value
06/11/2012 0,613  Theorical expected value
07/11/2012 0,612  Theorical expected value
08/11/2012 0,610  ECB, maybe -0,25 (¿0,50%?)  
09/11/2012 0,609  Theorical expected value
12/11/2012 0,608  Theorical expected value
13/11/2012 0,607  Theorical expected value
14/11/2012 0,605  Theorical expected value
15/11/2012 0,605  Theorical expected value
16/11/2012 0,604  Theorical expected value
19/11/2012 0,604  Theorical expected value
20/11/2012 0,603  Theorical expected value
21/11/2012 0,601  Theorical expected value
22/11/2012 0,601  Theorical expected value
23/11/2012 0,600  Theorical expected value
26/11/2012 0,600  Theorical expected value
27/11/2012 0,598  Theorical expected value
28/11/2012 0,597  Theorical expected value
29/11/2012 0,596  Theorical expected value
30/11/2012 0,595  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: 587,67 €.
Compared one year ago, in November'11 (2,044%): 715,34 €
Expected monthly savings will be: 127,67 €. 
Expected yearly savings will be:  1532 € (-17,85%) 
 

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

 

Euribor from 1 week to 12 months of 1/11/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,079	0,087	0,093	0,110	0,148	0,197	0,258
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,325	0,387	0,429	0,470	0,506	0,547	0,578
12 mo.
0,615

 

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)
0,079	0,087	0,093	0,110	0,148	0,197	0,258
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,325	0,387	0,429	0,470	0,506	0,547	0,578
12m(a)
0,615

 

 

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

 

Published date: 1/11/2012 at 12:28