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

Forecast of December average: 0,548 (Reliability: 50%)

Oficial value of day 14/12/12: 0,537 (-0,371%)

 

Comments: Today reduces 2 thousandths and marks a new minimum historical, and practically the rest of the Euribor types with a slightly changes compared yesterday values, the Euribor at 1 week increases one thousandth: 0,077 (+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_
03/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
04/12/2012 0,574 =0,000 -> Reduction compared prev.day:=0,000%
05/12/2012 0,573 -0,001 -> Reduction compared prev.day:-0,174%
07/12/2012 0,558 -0,012 -> Reduction compared prev.day:-2,105%
10/12/2012 0,547 -0,011 -> Reduction compared prev.day:-1,971%
11/12/2012 0,540 -0,007 -> Reduction compared prev.day:-1,280%
12/12/2012 0,540 =0,000 -> Reduction compared prev.day:=0,000%
13/12/2012 0,539 -0,001 -> Reduction compared prev.day:-0,185%
14/12/2012 0,537 -0,002 -> Reduction compared prev.day:-0,371%
17/12/2012 0,538  Theorical expected value          
18/12/2012 0,537  Theorical expected value          
19/12/2012 0,538  Theorical expected value          
20/12/2012 0,537  Theorical expected value          
21/12/2012 0,538  Theorical expected value          
24/12/2012 0,536  Theorical expected value          
27/12/2012 0,536  Theorical expected value          
28/12/2012 0,537  Theorical expected value          
31/12/2012 0,536  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: 582,85 €.
Compared one year ago, in December'11 (2,004%): 711,59 €
Expected monthly savings will be: 128,75 €. 
Expected yearly savings will be:  1545 € (-18,09%) 
 

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

 

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

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,077	0,089	0,097	0,110	0,146	0,184	0,224
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,273	0,316	0,357	0,395	0,426	0,466	0,503
12 mo.
0,537

 

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)
0,077	0,084	0,095	0,111	0,147	0,186	0,229
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,281	0,328	0,369	0,408	0,440	0,482	0,518
12m(a)
0,555

 

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: 14/12/2012 at 13:55