Thursday 29 November 2012

Euribor 29/11/2012 (12 months & other types)

Forecast of November average: 0,588 (Reliability: 95%)
Oficial value of day 29/11/12: 0,576 (-0,346%)
 
Comments: Today reduces 2 thousandths, and practically all of the Euribor types are lower or equal compared yesterday values, the Euribor at 1 week increases one thousandth: 0,078 (+0,78). 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 -0,001 -> Reduction compared prev.day:-0,172%
27/11/2012 0,580 =0,000 -> Reduction compared prev.day:=0,000%
28/11/2012 0,578 -0,002 -> Reduction compared prev.day:-0,345%
29/11/2012 0,576 -0,002 -> Reduction compared prev.day:-0,346%
30/11/2012 0,576  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 29/11/2012:
 
1 we. 2 we. 3 we. 1 mo. 2 mo. 3 mo. 4 mo.
0,078 0,084 0,090 0,112 0,148 0,190 0,237
5 mo. 6 mo. 7 mo. 8 mo. 9 mo. 10 mo. 11 mo.
0,292 0,345 0,386 0,425 0,457 0,501 0,538
12 mo.





0,576





 
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 0,192 0,244
5 m(av) 6 m(av) 7 m(av) 8 m(av) 9 m(av) 10m(a) 11m(a)
0,304 0,361 0,403 0,443 0,476 0,519 0,552
12m(a)





0,589





 

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 29/11/2012 at 13:45

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