Euribor 4/1/2013 (12 months & other types)

Forecast of January average: 0,548 (Reliability: 10%)

Oficial value of day 4/1/13: 0,549 (+0,919%)

 

Comments: Today increases 5 thousandths, and the rest of the Euribor types with a slightly increases compared yesterday values, the Euribor at 1 week is one thousandth higher: 0,080 (+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 0,549  Theorical expected value     
08/01/2013 0,548  Theorical expected value     
09/01/2013 0,548  Theorical expected value     
10/01/2013 0,549  ECB, maybe -0,25 (¿0,50%?)      
11/01/2013 0,551  Theorical expected value     
14/01/2013 0,551  Theorical expected value     
15/01/2013 0,550  Theorical expected value     
16/01/2013 0,550  Theorical expected value     
17/01/2013 0,550  Theorical expected value     
18/01/2013 0,551  Theorical expected value     
21/01/2013 0,551  Theorical expected value     
22/01/2013 0,552  Theorical expected value     
23/01/2013 0,552  Theorical expected value     
24/01/2013 0,552  Theorical expected value     
25/01/2013 0,552  Theorical expected value     
28/01/2013 0,552  Theorical expected value     
29/01/2013 0,551  Theorical expected value     
30/01/2013 0,551  Theorical expected value     
31/01/2013 0,551  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: 582,60 €.
Compared one year ago, in January'12 (1,837%): 696,06 €
Expected monthly savings will be: 113,46 €. 
Expected yearly savings will be:  1361 € (-16,30%) 
 

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

 

Euribor from 1 week to 12 months of 4/1/2013:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,080	0,088	0,096	0,110	0,154	0,191	0,234
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,283	0,324	0,364	0,404	0,438	0,478	0,516
12 mo.
0,549

 

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	0,095	0,109	0,151	0,189	0,231
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,280	0,321	0,361	0,401	0,435	0,474	0,512
12m(a)
0,545

 

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: 4/1/2013 at 13:55