Euribor 12/1/2015 (12 months & other types)

Forecast of January average: 0,321 (Reliability: 30%)

Oficial value of day 12/1/15: 0,317 (-0,314%)

Comments: In this  day decreases one thousand making a new minimum historical (the minimum historical was on 12/1/15: 0,317) and practically all the rest of the Euribor types with slightly changes compared previous day values, the Euribor at 1 week day decreases 3 thousands: -0,042 (-7%). The next update will be done the next working day around 13:40 hours. 

 

(At the end of this info. you will find Euribor from 1 week to 11 months)

 

__Date___Interest rate_
02/01/2015 0,323 -0,002 -> Reduction compared prev.day:-0,615%

05/01/2015 0,321 -0,002 -> Reduction compared prev.day:-0,619%

06/01/2015 0,319 -0,002 -> Reduction compared prev.day:-0,623%

07/01/2015 0,319 =0,000 -> Reduction compared prev.day:=0,000%

08/01/2015 0,319 =0,000 -> Reduction compared prev.day:=0,000%

09/01/2015 0,318 -0,001 -> Reduction compared prev.day:-0,313%

12/01/2015 0,317 -0,001 -> Reduction compared prev.day:-0,314%

13/01/2015 0,318  Theorical expected value   

14/01/2015 0,319  Theorical expected value   

15/01/2015 0,320  Theorical expected value   

16/01/2015 0,320  Theorical expected value   

19/01/2015 0,321  Theorical expected value   

20/01/2015 0,322  Theorical expected value   

21/01/2015 0,321  Theorical expected value   

22/01/2015 0,321  Theorical expected value   

23/01/2015 0,321  Theorical expected value   

26/01/2015 0,321  Theorical expected value   

27/01/2015 0,321  Theorical expected value   

28/01/2015 0,321  Theorical expected value   

29/01/2015 0,322  Theorical expected value   

30/01/2015 0,322  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: 564,35 €.
Compared one year ago, in January'14 (0,562%): 584,09 €
Expected monthly savings will be: 20 €. 
Expected yearly savings will be:  237 € (-3,38%) 
 

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

 

Euribor from 1 week to 12 months of 12/1/2015:

1 we.	2 we.	1 mo.	2 mo.
-0,042	-0,032	0,009	0,039
3 mo.	6 mo.	9 mo.	12 mo.
0,071	0,167	0,238	0,317

Real average of Euribor of the current month from 1 week to 12 months:

1 w(av)	2 w(av)	1 m(av)	2 m(av)
-0,032	-0,022	0,012	0,040
3 m(av)	6 m(av)	9 m(av)	12m(a)
0,072	0,168	0,241	0,319

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

 

Published date: 12/1/2015 at 13:36