Euribor 3/7/2013 (12 months & other types)

Forecast of July average: 0,540 (Reliability: 12%)

Oficial value of day 3/7/13: 0,534 (=)

 

Comments: Today repeats value again, and practically all of the rest of the Euribor types are a little bit higher compared yesterday values, but the Euribor at 1 week decreases one thousandth: 0,092 (-1'1%). 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_
01/07/2013 0,534 +0,007 -> Reduction compared prev. day:+1,328%
02/07/2013 0,534 =0,000 -> Increase compared previo. day:=0,000%
03/07/2013 0,534 =0,000 -> Increase compared previo. day:=0,000%
04/07/2013 0,537  ECB, not expected changes(=0,50%)    
05/07/2013 0,540  Theorical expected value     
08/07/2013 0,539  Theorical expected value     
09/07/2013 0,539  Theorical expected value     
10/07/2013 0,535  Theorical expected value     
11/07/2013 0,535  Theorical expected value     
12/07/2013 0,536  Theorical expected value     
15/07/2013 0,539  Theorical expected value     
16/07/2013 0,536  Theorical expected value     
17/07/2013 0,540  Theorical expected value     
18/07/2013 0,542  Theorical expected value     
19/07/2013 0,541  Theorical expected value     
22/07/2013 0,540  Theorical expected value     
23/07/2013 0,540  Theorical expected value     
24/07/2013 0,540  Theorical expected value     
25/07/2013 0,543  Theorical expected value     
26/07/2013 0,545  Theorical expected value     
29/07/2013 0,545  Theorical expected value     
30/07/2013 0,543  Theorical expected value     
31/07/2013 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: 582,51 €.
Compared one year ago, in July'12 (1,061%): 626,50 €
Expected monthly savings will be: 44,00 €. 
Expected yearly savings will be:  528 € (-7,02%) 
 

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

 

Euribor from 1 week to 12 months of 3/7/2013:

 

1 we.	2 we.	3 we.	1 mo.	2 mo.	3 mo.	4 mo.
0,092	0,102	0,112	0,122	0,179	0,222	0,263
5 mo.	6 mo.	7 mo.	8 mo.	9 mo.	10 mo.	11 mo.
0,300	0,342	0,375	0,407	0,443	0,472	0,503
12 mo.
0,534

 

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)
0,092	0,101	0,111	0,122	0,179	0,222	0,262
5 m(av)	6 m(av)	7 m(av)	8 m(av)	9 m(av)	10m(a)	11m(a)
0,297	0,341	0,374	0,405	0,441	0,470	0,502
12m(a)
0,534

 

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

 

Published date: 3/7/2013 at 13:55