Tuesday 30 June 2015

Euribor 30/6/2015 & final value of June average

Final value of June average: 0,163
Oficial value of day 30/6/2015: 0,164 (+0,613%)
 
Comments: Today increases one thousand and practically all of the Euribor types with lower or equal datas compared yesterday values. Coming soon this value will be confirmed by European Central Bank or by the Bank of each country.
 
(At the end of this info. you will find Euribor from 1 week to 11 months)
 
__Date___Interest rate_
01/6/2015 0,161 +0,001 -> Difference compared previous day:+0,625%
02/6/2015 0,158 -0,003 ->  Difference compared previous day:-1,863%
03/6/2015 0,160 +0,002 -> Difference compared previous day:+1,266%
04/6/2015 0,162 +0,002 -> Difference compared previous day :+1,250%
05/6/2015 0,161 -0,001 -> Difference compared previous day :-0,617%
08/6/2015 0,163 +0,002 -> Difference compared previous day :+1,242%
09/6/2015 0,163 =0,000 -> Difference compared previous day :=0,000%
10/6/2015 0,166 +0,003 -> Difference compared previous day:+1,840%
11/6/2015 0,161 -0,005 -> Difference compared previous day:-3,012%
12/6/2015 0,163 +0,002 -> Difference compared previous day:+1,242%
15/6/2015 0,164 +0,001 -> Difference compared previous day:+0,613%
16/6/2015 0,166 +0,002 -> Difference compared previous day:+1,220%
17/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
18/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
19/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
22/6/2015 0,164 -0,002 -> Difference compared previous day:-1,205%
23/6/2015 0,163 -0,001 -> Difference compared previous day:-0,610%
24/6/2015 0,163 =0,000 -> Difference compared previous day:=0,000%
25/6/2015 0,162 -0,001 -> Difference compared previous day:-0,613%
26/6/2015 0,162 =0,000 -> Difference compared previous day:=0,000%
29/6/2015 0,163 +0,001 -> Difference compared previous day:+0,617%
30/6/2015 0,164 +0,001 -> Difference compared previous day:+0,613%
  
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: 551,51 €.
Compared one year ago, in June'14 (0,513%): 580,03 €
Expected monthly savings will be: 29 €. 
Expected yearly savings will be:  342 € (-4,92%) 
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 30/6/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,120 -0,110 -0,064 -0,038
3 mo. 6 mo. 9 mo. 12 mo.
-0,014 0,050 0,100 0,164

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)
-0,124 -0,109 -0,063 -0,036
3 m(av) 6 m(av) 9 m(av) 12m(a)
-0,014 0,049 0,100 0,163



Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 30/6/2015 at 14:06

By: No comments:

Monday 29 June 2015

Euribor 29/6/2015 (12 months & other types)

Forecast of June average: 0,163 (Reliability: 95%)
Oficial value of day 29/6/15: 0,163 (+0,617%)

Comments: In this  day increases one thousand (the minimum historical was on 2/6/15: 0,158) and practically all the rest of the Euribor types with slightly changes compared previous day values, the Euribor at 1 week decreases 2 thousands: -0,120 (-2%). 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_
01/6/2015 0,161 +0,001 -> Difference compared previous day:+0,625%
02/6/2015 0,158 -0,003 ->  Difference compared previous day:-1,863%
03/6/2015 0,160 +0,002 -> Difference compared previous day:+1,266%
04/6/2015 0,162 +0,002 -> Difference compared previous day :+1,250%
05/6/2015 0,161 -0,001 -> Difference compared previous day :-0,617%
08/6/2015 0,163 +0,002 -> Difference compared previous day :+1,242%
09/6/2015 0,163 =0,000 -> Difference compared previous day :=0,000%
10/6/2015 0,166 +0,003 -> Difference compared previous day:+1,840%
11/6/2015 0,161 -0,005 -> Difference compared previous day:-3,012%
12/6/2015 0,163 +0,002 -> Difference compared previous day:+1,242%
15/6/2015 0,164 +0,001 -> Difference compared previous day:+0,613%
16/6/2015 0,166 +0,002 -> Difference compared previous day:+1,220%
17/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
18/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
19/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
22/6/2015 0,164 -0,002 -> Difference compared previous day:-1,205%
23/6/2015 0,163 -0,001 -> Difference compared previous day:-0,610%
24/6/2015 0,163 =0,000 -> Difference compared previous day:=0,000%
25/6/2015 0,162 -0,001 -> Difference compared previous day:-0,613%
26/6/2015 0,162 =0,000 -> Difference compared previous day:=0,000%
29/6/2015 0,163 +0,001 -> Difference compared previous day:+0,617%
30/6/2015 0,164  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: 550,95 €.
Compared one year ago, in June'14 (0,513%): 580,03 €
Expected monthly savings will be: 29 €. 
Expected yearly savings will be:  349 € (-5,01%) 
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 29/6/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,120 -0,111 -0,064 -0,038
3 mo. 6 mo. 9 mo. 12 mo.
-0,016 0,050 0,100 0,163

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)
-0,125 -0,109 -0,063 -0,036
3 m(av) 6 m(av) 9 m(av) 12m(a)
-0,014 0,049 0,100 0,163

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 29/6/2015 at 14:06

By: No comments:

Friday 26 June 2015

Euribor 26/6/2015 (12 months & other types)

Forecast of June average: 0,163 (Reliability: 90%)
Oficial value of day 26/6/15: 0,162 (=)

Comments: In this  day repeats value (the minimum historical was on 2/6/15: 0,158) and practically all the rest of the Euribor types with slightly changes compared previous day values, the Euribor at 1 week increases one thousand: -0,118 (+1%). 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_
01/6/2015 0,161 +0,001 -> Difference compared previous day:+0,625%
02/6/2015 0,158 -0,003 ->  Difference compared previous day:-1,863%
03/6/2015 0,160 +0,002 -> Difference compared previous day:+1,266%
04/6/2015 0,162 +0,002 -> Difference compared previous day :+1,250%
05/6/2015 0,161 -0,001 -> Difference compared previous day :-0,617%
08/6/2015 0,163 +0,002 -> Difference compared previous day :+1,242%
09/6/2015 0,163 =0,000 -> Difference compared previous day :=0,000%
10/6/2015 0,166 +0,003 -> Difference compared previous day:+1,840%
11/6/2015 0,161 -0,005 -> Difference compared previous day:-3,012%
12/6/2015 0,163 +0,002 -> Difference compared previous day:+1,242%
15/6/2015 0,164 +0,001 -> Difference compared previous day:+0,613%
16/6/2015 0,166 +0,002 -> Difference compared previous day:+1,220%
17/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
18/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
19/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
22/6/2015 0,164 -0,002 -> Difference compared previous day:-1,205%
23/6/2015 0,163 -0,001 -> Difference compared previous day:-0,610%
24/6/2015 0,163 =0,000 -> Difference compared previous day:=0,000%
25/6/2015 0,162 -0,001 -> Difference compared previous day:-0,613%
26/6/2015 0,162 =0,000 -> Difference compared previous day:=0,000%
29/6/2015 0,162  Theorical expected value  
30/6/2015 0,163  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: 550,95 €.
Compared one year ago, in June'14 (0,513%): 580,03 €
Expected monthly savings will be: 29 €. 
Expected yearly savings will be:  349 € (-5,01%) 
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 26/6/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,118 -0,111 -0,066 -0,038
3 mo. 6 mo. 9 mo. 12 mo.
-0,015 0,050 0,100 0,162

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)
-0,125 -0,109 -0,063 -0,036
3 m(av) 6 m(av) 9 m(av) 12m(a)
-0,014 0,049 0,100 0,163

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 26/6/2015 at 14:06

By: No comments:

Tuesday 23 June 2015

Euribor 23/6/2015 (12 months & other types)

Forecast of June average: 0,164 (Reliability: 70%)
Oficial value of day 23/6/15: 0,163 (-0'610%)

Comments: In this  day decreases one thousand (the minimum historical was on 2/6/15: 0,158) and practically all the rest of the Euribor types with slightly changes compared previous day values, the Euribor at 1 week repeats value: -0,119 (-9%). 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_
01/6/2015 0,161 +0,001 -> Difference compared previous day:+0,625%
02/6/2015 0,158 -0,003 ->  Difference compared previous day:-1,863%
03/6/2015 0,160 +0,002 -> Difference compared previous day:+1,266%
04/6/2015 0,162 +0,002 -> Difference compared previous day :+1,250%
05/6/2015 0,161 -0,001 -> Difference compared previous day :-0,617%
08/6/2015 0,163 +0,002 -> Difference compared previous day :+1,242%
09/6/2015 0,163 =0,000 -> Difference compared previous day :=0,000%
10/6/2015 0,166 +0,003 -> Difference compared previous day:+1,840%
11/6/2015 0,161 -0,005 -> Difference compared previous day:-3,012%
12/6/2015 0,163 +0,002 -> Difference compared previous day:+1,242%
15/6/2015 0,164 +0,001 -> Difference compared previous day:+0,613%
16/6/2015 0,166 +0,002 -> Difference compared previous day:+1,220%
17/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
18/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
19/6/2015 0,166 =0,000 -> Difference compared previous day:=0,000%
22/6/2015 0,164 -0,002 -> Difference compared previous day:-1,205%
23/6/2015 0,163 -0,001 -> Difference compared previous day:-0,610%
24/6/2015 0,163  Theorical expected value    
25/6/2015 0,163  Theorical expected value    
26/6/2015 0,163  Theorical expected value    
29/6/2015 0,163  Theorical expected value    
30/6/2015 0,164  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: 550,95 €.
Compared one year ago, in June'14 (0,513%): 580,03 €
Expected monthly savings will be: 29 €. 
Expected yearly savings will be:  349 € (-5,01%) 
 
(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 23/6/2015:

1 we. 2 we. 1 mo. 2 mo.
-0,119 -0,109 -0,066 -0,039
3 mo. 6 mo. 9 mo. 12 mo.
-0,014 0,048 0,099 0,163

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)
-0,126 -0,109 -0,063 -0,036
3 m(av) 6 m(av) 9 m(av) 12m(a)
-0,014 0,049 0,100 0,163

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 23/6/2015 at 14:06

By: No comments:

Monday 22 June 2015

Euribor a 12 meses del día 22/6/2015

Previsión teórica a 22/6 de la media de
Junio: 0,164 (Fiabilidad de la media calculada: 70%)
Valor oficial del día 22/6/15: 0,164 (-1'205%)

Comentario: En este día el Euribor baja 2 milésimas (el mínimo histórico es del día 2/6/15: 0,158) y prácticamente el resto de tipos de Euribor con ligeros cambios con respecto al día anterior, excepto el Euribor a 1 semana que sube 12 milésimas, está en -0,119 (-9%). La próxima actualización está prevista para el próximo día laborable alrededor de las 14:00 horas.
 
Fecha Valor  Diferencial
01/6/2015 0,161 +0,001 -> Variación respecto al día anterior:+0,625%
02/6/2015 0,158 -0,003 -> Variación respecto al día anterior:-1,863%
03/6/2015 0,160 +0,002 ->Variación respecto al día anterior:+1,266%
04/6/2015 0,162 +0,002 -> Variación respecto al día anterior:+1,250%
05/6/2015 0,161 -0,001 -> Variación respecto al día anterior:-0,617%
08/6/2015 0,163 +0,002 -> Variación respecto al día anterior:+1,242%
09/6/2015 0,163 =0,000 -> Variación respecto al día anterior:=0,000%
10/6/2015 0,166 +0,003 -> Variación respecto al día anterior:+1,840%
11/6/2015 0,161 -0,005 -> Variación respecto al día anterior:-3,012%
12/6/2015 0,163 +0,002 -> Variación respecto al día anterior:+1,242%
15/6/2015 0,164 +0,001 -> Variación respecto al día anterior:+0,613%
16/6/2015 0,166 +0,002 -> Variación respecto al día anterior:+1,220%
17/6/2015 0,166 =0,000 -> Variación respecto al día anterior:=0,000%
18/6/2015 0,166 =0,000 -> Variación respecto al día anterior:=0,000%
19/6/2015 0,166 =0,000 -> Variación respecto al día anterior:=0,000%
22/6/2015 0,164 -0,002 -> Variación respecto al día anterior:-1,205%
23/6/2015 0,163  Proyección cálculo 
24/6/2015 0,163  Proyección cálculo 
25/6/2015 0,163  Proyección cálculo 
26/6/2015 0,163  Proyección cálculo 
29/6/2015 0,163  Proyección cálculo 
30/6/2015 0,164  Proyección cálculo

Ejemplo aplicando el tipo de interés proyectado (indicado arriba):
Una hipoteca de 180.000 euros con un diferencial de +0,5 y a 30 años tendría una cuota mensual de: 550,95€ frente a los 580,03 € de hace un año (junio'14: 0,513%), lo que supondría una disminución del 5,01%.
 
Ahorro previsto mensual: 29 €.
Ahorro previsto anual...: 349 €.
 
Euribor desde 1 semana hasta 12 meses del día 22/6/15: 

1 se. 2 se. 1 mes 2 mes.
-0,119 -0,106 -0,065 -0,039
3 mes 6 mes 9 mes 12 m.
-0,014 0,048 0,099 0,164

Euribor,  media real del mes actual hasta la fecha (desde 1 semana hasta 12 meses):

1 s.(m) 2 s.(m) 1 m(m) 2 m(m)
-0,126 -0,109 -0,063 -0,035
3 m(m) 6 m(m) 9 m(m) 12m(m)
-0,014 0,049 0,100 0,163

Nota: A la derecha tenéis una pequeña aplicación que os permite calcular vuestra cuota introduciendo: Capital actual, interés y años pendientes (como decimal utilizar el punto ".").

Publicado el 22/6/2015 a las 14:06

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