Monday 12 January 2015

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

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