Thursday, 23 July 2015

Euribor 23/7/2015 (12 months & other types)

Forecast of July average: 0,168 (Reliability: 75%)
(=Oficial value of day 23/7/15: 0,171 )

Comments: In this  day decreases  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  3 thousand: -0,130. The next update will around 14:00 hours. be done the next working day 
 
(At the end of this info. you will find Euribor from 1 week to 11 months)
 
__Date___Interest rate_
01/07/2015 0,164 =0,000 -> Difference compared previous day:=0,000%

02/07/2015 0,163 -0,001 -> Difference compared previous day:-0,610%
03/07/2015 0,163 =0,000 -> Difference compared previous day:=0,000%
06/07/2015 0,164 +0,001 -> Difference compared previous day:+0,613%
07/07/2015 0,164 =0,000 -> Difference compared previous day:=0,000%
08/07/2015 0,164 =0,000 -> Difference compared previous day:=0,000%
09/07/2015 0,163 -0,001 -> Difference compared previous day:-0,610%
10/07/2015 0,164 +0,001 -> Difference compared previous day:+0,613%
13/07/2015 0,166 +0,002 -> Difference compared previous day:+1,220%
14/07/2015 0,168 +0,002 -> Difference compared previous day:+1,205%
15/07/2015 0,169 +0,001 -> Difference compared previous day:+0,595%
16/07/2015 0,169 =0,000 -> Difference compared previous day:=0,000%
17/07/2015 0,170 +0,001 -> Difference compared previous day :+0,592%
20/07/2015 0,171 +0,001 -> Difference compared previous day :+0,588%
21/07/2015 0,170 -0,001 -> Difference compared previous day :-0,585%
22/07/2015 0,171 +0,001 -> Difference compared previous day:+0,588%
23/07/2015 0,171 =0,000 -> Difference compared previous day:=0,000%
24/07/2015 0,171  Theorical expected value 
27/07/2015 0,171  Theorical expected value 
28/07/2015 0,170  Theorical expected value 
29/07/2015 0,170  Theorical expected value 
30/07/2015 0,170  Theorical expected value 
31/07/2015 0,170  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: 551,51 €. 
Compared one year ago, in July'14 (0,488%): 577,96 €

Expected monthly savings will be: 26 €.
Expected yearly savings will be:  317  € () -4,58%

(The monthly payments are calculated using the french metod type)
 
Euribor from 1 week to 12 months of 23/7/2015:

1 we.2 we.1 mo.2 mo.
-0,130-0,118-0,073-0,041
3 mo.6 mo.9 mo.12 mo.
-0,0190,0490,1000,171
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)
-0,130-0,117-0,070-0,039
3 m(av)6 m(av)9 m(av)12m(a)
-0,0180,0490,1010,167

Note: On right you have a small application where you can calculate your mortgage monthly payment.
 
Published date: 23/7/2015 at 14:06

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