Euribor 23/1/2013 (12 months & other types)

Forecast of January average: 0,566 (Reliability: 75%)

Oficial value of day 23/1/13: 0,586 (=)

 

Comments: Today repeats value, and the rest of the Euribor types with slightly changes compared yesterday values, the Euribor at 1 week increases one thousandth: 0,081 (+1,2%). 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_
02/01/2013 0,543 +0,001 -> Increase compared prev. day:+0,185%
03/01/2013 0,544 +0,001 -> Increase compared prev. day:+0,184%
04/01/2013 0,549 +0,005 -> Increase compared prev. day:+0,919%
07/01/2013 0,550 +0,001 -> Increase compared prev. day:+0,182%
08/01/2013 0,551 +0,001 -> Increase compared prev. day:+0,182%
09/01/2013 0,551 =0,000 -> Increase compared prev. day:=0,000%
10/01/2013 0,550 -0,001 -> Reduction compared prev.day:-0,181%
11/01/2013 0,559 +0,009 -> Increase compared prev. day:+1,636%
14/01/2013 0,566 +0,007 -> Increase compared prev. day:+1,252%
15/01/2013 0,570 +0,004 -> Increase compared prev. day:+0,707%
16/01/2013 0,570 =0,000 -> Increase compared prev. day:=0,000%
17/01/2013 0,574 +0,004 -> Increase compared prev. day:+0,702%
18/01/2013 0,587 +0,013 -> Increase compared prev. day:+2,265%
21/01/2013 0,587 =0,000 -> Increase compared prev. day:=0,000%
22/01/2013 0,586 -0,001 -> Reduction compared prev.day:-0,170%
23/01/2013 0,586 =0,000 -> Reduction compared prev.day:=0,000%
24/01/2013 0,586  Theorical expected value      
25/01/2013 0,586  Theorical expected value      
28/01/2013 0,586  Theorical expected value      
29/01/2013 0,586  Theorical expected value      
30/01/2013 0,586  Theorical expected value      
31/01/2013 0,586  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: 584,17 €.
Compared one year ago, in January'12 (1,837%): 696,06 €
Expected monthly savings will be: 111,88 €. 
Expected yearly savings will be:  1343 € (-16,07%) 
 

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

 

Euribor from 1 week to 12 months of 23/1/2013:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,081	0,089	0,099	0,112	0,166	0,209	0,261
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,311	0,353	0,395	0,436	0,472	0,511	0,551
12 mo.
0,586

 

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)
0,080	0,088	0,098	0,111	0,159	0,198	0,244
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,294	0,336	0,377	0,416	0,452	0,491	0,530
12m(a)
0,564

 

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

 

Published date: 23/1/2013 at 13:55