Euribor 20/12/2012 (12 months & other types)

Forecast of December average: 0,548 (Reliability: 75%)

Oficial value of day 20/12/12: 0,543 (+0,185%)

 

Comments: Today increases one thousandth, and practically the rest of the Euribor types with a slightly increases compared yesterday values, the Euribor at 1 week repeats value: 0,078 (=). 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 0,539 +0,002 -> Increase compared prev. day:+0,372%
18/12/2012 0,540 +0,001 -> Increase compared prev. day:+0,186%
19/12/2012 0,542 +0,002 -> Increase compared prev. day:+0,370%
20/12/2012 0,543 +0,001 -> Increase compared prev. day:+0,185%
21/12/2012 0,544  Theorical expected value    
24/12/2012 0,544  Theorical expected value    
27/12/2012 0,544  Theorical expected value    
28/12/2012 0,544  Theorical expected value    
31/12/2012 0,544  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 20/12/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,078	0,091	0,098	0,110	0,147	0,183	0,225
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,274	0,318	0,359	0,397	0,429	0,470	0,508
12 mo.
0,543

 

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	0,086	0,096	0,111	0,147	0,185	0,228
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,279	0,325	0,366	0,405	0,437	0,478	0,515
12m(a)
0,551

 

 

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

 

Published date: 20/12/2012 at 13:55