Euribor 23/11/2012 (12 months & other types)

Forecast of November average: 0,588 (Reliability: 85%)

Oficial value of day 23/11/12: 0,581 (=)

 

Comments: Today repeats the yesterday value, and practically all of the Euribor types are lower or equal compared yesterday values, the Euribor at 1 week repeats the value: 0,077 (=). 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 0,611 -0,004 -> Reduction compared prev.day:-0,650%
05/11/2012 0,607 -0,004 -> Reduction compared prev.day:-0,655%
06/11/2012 0,602 -0,005 -> Reduction compared prev.day:-0,824%
07/11/2012 0,597 -0,005 -> Reduction compared prev.day:-0,831%
08/11/2012 0,592 -0,005 -> Reduction compared prev.day:-0,838%
09/11/2012 0,589 -0,003 -> Reduction compared prev.day:-0,507%
12/11/2012 0,587 -0,002 -> Reduction compared prev.day:-0,340%
13/11/2012 0,586 -0,001 -> Reduction compared prev.day:-0,170%
14/11/2012 0,585 -0,001 -> Reduction compared prev.day:-0,171%
15/11/2012 0,584 -0,001 -> Reduction compared prev.day:-0,171%
16/11/2012 0,583 -0,001 -> Reduction compared prev.day:-0,171%
19/11/2012 0,582 -0,001 -> Reduction compared prev.day:-0,172%
20/11/2012 0,582 =0,000 -> Reduction compared prev.day:=0,000%
21/11/2012 0,582 =0,000 -> Reduction compared prev.day:=0,000%
22/11/2012 0,581 -0,001 -> Reduction compared prev.day:-0,172%
23/11/2012 0,581 =0,000 -> Reduction compared prev.day:=0,000%
26/11/2012 0,580  Theorical expected value  
27/11/2012 0,580  Theorical expected value  
28/11/2012 0,580  Theorical expected value  
29/11/2012 0,579  Theorical expected value  
30/11/2012 0,579  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: 586,59 €.
Compared one year ago, in November'11 (2,044%): 715,34 €
Expected monthly savings will be: 128,75 €. 
Expected yearly savings will be:  1545 € (-18,00%) 
 

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

 

Euribor from 1 week to 12 months of 23/11/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,077	0,084	0,091	0,107	0,144	0,190	0,240
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,296	0,351	0,394	0,433	0,463	0,508	0,544
12 mo.
0,581

 

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)
0,078	0,085	0,092	0,108	0,145	0,193	0,246
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,307	0,364	0,406	0,446	0,480	0,523	0,555
12m(a)
0,591

 

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: 23/11/2012 at 13:52