Euribor 16/1/2015 (12 months & other types)

Forecast of January average: 0,309 (Reliability: 50%)

Oficial value of day 16/1/15: 0,299 (-4,473%)

Comments: In this  day decreases 14 thousands making a new minimum historical (the minimum historical was on 16/1/15: 0,299) and practically all the rest of the Euribor types with strong reductions compared previous day values, the Euribor at 1 week day decreases 2 thousands: -0,051 (-4%). The next update will be done the next working day around 14:00 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 +0,001 -> Reduction compared prev.day:+0,315%

14/01/2015 0,315 -0,003 -> Reduction compared prev.day:-0,943%

15/01/2015 0,313 -0,002 -> Reduction compared prev.day:-0,635%

16/01/2015 0,299 -0,014 -> Reduction compared prev.day:-4,473%

19/01/2015 0,300  Theorical expected value     

20/01/2015 0,301  Theorical expected value     

21/01/2015 0,300  Theorical expected value     

22/01/2015 0,300  Theorical expected value     

23/01/2015 0,300  Theorical expected value     

26/01/2015 0,300  Theorical expected value     

27/01/2015 0,300  Theorical expected value     

28/01/2015 0,300  Theorical expected value     

29/01/2015 0,301  Theorical expected value     

30/01/2015 0,301  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: 563,29 €.
Compared one year ago, in January'14 (0,562%): 584,09 €
Expected monthly savings will be: 21 €. 
Expected yearly savings will be:  250 € (-3,56%) 
 

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

 

Euribor from 1 week to 12 months of 16/1/2015:

1 we.	2 we.	1 mo.	2 mo.
-0,051	-0,033	0,002	0,031
3 mo.	6 mo.	9 mo.	12 mo.
0,060	0,152	0,224	0,299

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)
-0,037	-0,026	0,010	0,039
3 m(av)	6 m(av)	9 m(av)	12m(a)
0,070	0,165	0,238	0,316

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

 

Published date: 16/1/2015 at 14:06