スペインの2013年3月の住宅ローンの指標となるEURIBORは、0'545%で、史上最低を記録
El euríbor vuelve a caer en marzo y marca un mínimo histórico en el 0,545%
El indicador recupera la tendencia a la baja a la espera del BCE tras dos meses al alza
El descenso supondrá una rebaja de unos 65 euros si el crédito no tiene cláusula suelo
Agencias Madrid 28 MAR 2013 - 12:31 CET
Euribor falls again in March and marks a record low in the 0.545%
The indicator recovers downtrend ECB waiting upwards after two months
The drop will mean a reduction of about 65 euros if credit has no ground clause
Agencies Madrid 28 MAR 2013 - 12:31 CET
The Euribor, which is the rate that makes the cost of most variable rate mortgages in Spain, in March closed at 0.545%, which falls to a new low. For mortgages that have to check your credit with this data, the reduction will mean a decrease of 65 euros in the monthly fee for a loan of 150,000 euros, or 780 per year.
In March, the index has resumed the downward trend that broke in late 2012 and which led to rise in a row in January and February. With respect to 2012, the Euribor is 0.954 percentage points below that of March last year. However, in the day on Thursday, which was the last of the month as markets closed on Good Friday, the Euribor rate rose in his daily slightly to 0.547%.
However, not everyone who has a mortgage indexed to Euribor 12 months will benefit from falling, as they are outside the credit they signed a ground clause, which limits the oscillations of whether this indicator rises sharply as if low.
Users Association of Banks and Insurance (Adicae) estimated that in Spain there are around four million people whose mortgages are contained in this clause. According to a report by the Bank of Spain to the Senate in 2010, about a third of existing mortgages were subject to these limits on changes in interest rates.
On March 20, the Supreme Court nullified clauses in soil where there is a lack of transparency, partially upholding an appeal presented by the Association of Users of Banking and Financial Services (Ausbanc) against a judgment that warranted such clauses.
The Euribor, which is the interest rate at which a number of the Eurosystem banks lend to each other, marked a record high in July 2008, to close at 5.393%, and from that moment began a downward trajectory that stood in 2010, and resumed in mid-2011 in parallel with the evolution of the interest rates of the ECB. The March decline came after the central bank to revise downward its growth forecasts for the eurozone, whose economy will fall by 0.5% this year. Nevertheless, refuses to cheapen the cost of money and lower interest rates, which could be advanced precisely this cut the Euribor.
In recent months, some banks have withdrawn from the panel of banks to calculate the Euribor, which the ECB does not believe that damages the transmission mechanism of monetary policy, but it does indicate "a loss of confidence in the model" . Especially after the recent research that financial supervisory authorities of the United States, United Kingdom and Germany have conducted some banks for their involvement in the manipulation of the Libor, which reflects the interest rate at which banks expect to get money each day.
The ECB has encouraged banks to stay in this panel, which serves to "prevent potential alterations in the functioning of financial markets", as it is essential that this rate is representative there must a proper bank.
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