Euribor 6/11/2012 (12 months & other types)

Forecast of November average: 0,599 (Reliability: 20%)

Oficial value of day 6/11/12: 0,602 (-0,824%)

 

Comments: Today decreases 5 thousandths (other minimun historical), and practically all of the Euribor types are lower or equal compared yesterday values, the Euribor at 1 week increases one thousandth: 0,079 (+1,3%). 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 0,601  Theorical expected value   
08/11/2012 0,600  ECB, maybe -0,25 (¿0,50%?)  
09/11/2012 0,598  Theorical expected value   
12/11/2012 0,597  Theorical expected value   
13/11/2012 0,596  Theorical expected value   
14/11/2012 0,595  Theorical expected value   
15/11/2012 0,594  Theorical expected value   
16/11/2012 0,594  Theorical expected value   
19/11/2012 0,593  Theorical expected value   
20/11/2012 0,592  Theorical expected value   
21/11/2012 0,591  Theorical expected value   
22/11/2012 0,590  Theorical expected value   
23/11/2012 0,590  Theorical expected value   
26/11/2012 0,589  Theorical expected value   
27/11/2012 0,588  Theorical expected value   
28/11/2012 0,587  Theorical expected value   
29/11/2012 0,585  Theorical expected value   
30/11/2012 0,584  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: 587,17 €.
Compared one year ago, in November'11 (2,044%): 715,34 €
Expected monthly savings will be: 128,17 €. 
Expected yearly savings will be:  1538 € (-17,92%) 
 

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

 

Euribor from 1 week to 12 months of 6/11/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,079	0,085	0,093	0,109	0,146	0,196	0,253
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,317	0,377	0,419	0,460	0,494	0,535	0,566
12 mo.
0,602

 

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	0,086	0,093	0,110	0,147	0,197	0,256
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,321	0,383	0,424	0,465	0,501	0,541	0,572
12m(a)
0,609

 

 

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

 

Published date: 6/11/2012 at 13:50