Euribor 4/12/2012 (12 months & other types)

Forecast of December average: 0,573 (Reliability: 10%)

Oficial value of day 4/12/12: 0,574 (=)

 

Comments: Today repeats the value, and practically all of the Euribor types 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 0,574  Theorical expected value   
06/12/2012 0,574  ECB, may be -0,25 (¿0,50%?)  
07/12/2012 0,574  Theorical expected value   
10/12/2012 0,574  Theorical expected value   
11/12/2012 0,574  Theorical expected value   
12/12/2012 0,574  Theorical expected value   
13/12/2012 0,573  Theorical expected value   
14/12/2012 0,573  Theorical expected value   
17/12/2012 0,573  Theorical expected value   
18/12/2012 0,573  Theorical expected value   
19/12/2012 0,573  Theorical expected value   
20/12/2012 0,574  Theorical expected value   
21/12/2012 0,574  Theorical expected value   
24/12/2012 0,572  Theorical expected value   
27/12/2012 0,572  Theorical expected value   
28/12/2012 0,571  Theorical expected value   
31/12/2012 0,571  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: 585,01 €.
Compared one year ago, in December'11 (2,004%): 711,59 €
Expected monthly savings will be: 126,59 €. 
Expected yearly savings will be:  1519 € (-17,79%) 
 

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

 

Euribor from 1 week to 12 months of 04/12/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,077	0,084	0,091	0,113	0,148	0,191	0,235
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,290	0,341	0,382	0,423	0,456	0,500	0,536
12 mo.
0,574

 

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	0,091	0,113	0,148	0,191	0,236
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,291	0,342	0,383	0,424	0,456	0,500	0,537
12m(a)
0,574

 

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

 

Published date: 04/12/2012 at 13:55