Euribor 7/12/2012 (12 months & other types)

Forecast of December average: 0,561 (Reliability: 30%)

Oficial value of day 7/12/12: 0,558 (-2,105%)

 

Comments: Today decreases 12 thousandths (a new minimum historical), (the decrease of today it's like that the ECB had decreased the intrerest rates in Euro Zone yesterday, but they didn't done yet, it's like the Euribor is requesting shouting to the ECB that don't postpone more the decrease of interest types to 0'50) and practically all of the Euribor are lower compared yesterday values, but 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 0,558  Theorical expected value     
11/12/2012 0,558  Theorical expected value     
12/12/2012 0,558  Theorical expected value     
13/12/2012 0,557  Theorical expected value     
14/12/2012 0,557  Theorical expected value     
17/12/2012 0,557  Theorical expected value     
18/12/2012 0,557  Theorical expected value     
19/12/2012 0,557  Theorical expected value     
20/12/2012 0,558  Theorical expected value     
21/12/2012 0,558  Theorical expected value     
24/12/2012 0,556  Theorical expected value     
27/12/2012 0,556  Theorical expected value     
28/12/2012 0,555  Theorical expected value     
31/12/2012 0,555  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: 584,01 €.
Compared one year ago, in December'11 (2,004%): 711,59 €
Expected monthly savings will be: 127,58 €. 
Expected yearly savings will be:  1531 € (-17,93%) 
 

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

 

Euribor from 1 week to 12 months of 7/12/2012:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,077	0,083	0,097	0,111	0,147	0,187	0,230
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,283	0,330	0,370	0,410	0,442	0,484	0,520
12 mo.
0,558

 

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	0,083	0,092	0,112	0,148	0,190	0,234
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,289	0,338	0,379	0,419	0,452	0,495	0,532
12m(a)
0,570

 

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: 7/12/2012 at 13:55