スペインの2013年4月の住宅ローンの金利の指標となるEuriborは、0'53%に
EURÍBOR ABRIL
La caída del euríbor al mínimo rebaja las hipotecas unos 680 euros anuales
La media mensual del indicador baja al 0,53% a la espera de dos sesiones para cerrar el mes
EFE Economía Madrid 28 ABR 2013 - 12:29
APRIL EURIBOR
The fall of the Euribor to a minimum cut about 680 mortgages per year
The monthly average indicator drops to 0.53% waiting for two sessions to close the month
Economy EFE Madrid 28 ABR 2013 - 12:29
The twelve-month Euribor end next Tuesday April at 0.53%, a record low to allow families to reduce their loans foreclosed on about 57 euros per month or 684 per year.
After scoring on Friday a record low of 0.515% daily, and with two sessions to the end of the month, the average monthly Euribor provisional mark of 0.53%, the lowest in the fourteen years I've calculated this indicator, since 1999.
In that period, the Euribor has ranged from high of 5,393% it reached in July 2008, and the lows of this year, in March and closed at its lowest monthly rate, 0.545%.
In addition, it takes seven months trading below the price of money in the euro area, which by order of the European Central Bank (ECB) is 0.75%.
This month from monthly maximum marking the April 2 (0.544%) the daily record low on Friday, 26 (0.515%), the indicator has lost three tenths.
In this downward trend will benefit families review their mortgages in May, which will apply the rate of the previous month, for a year ago, in April 2012, the Euribor stood at 1.368%.
Thus, an average mortgage of € 150,000 with a repayment term of 25 years will get a discount on your monthly fee of about 57 euros per month, more than 680 a year.
However this decrease may benefit only those loans that do not include a clause "ground," preventing them from getting off a certain percentage, which is around 3% -.
Users Association of Banks, Savings 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 covenants that limit fluctuations in interest rates.
On March 20, the Supreme Court nullified the ground clauses in cases 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 these clauses sentence warranted.
In the evolution of Euribor weigh the ups and downs of interest rates in the euro area which decides the European Central Bank (ECB), whose primary mandate is to control inflation, but in recent years has sought to keep the price of money to revive the economy of the region.
After the last meeting of the governing council of the institution, held on April 4, its president, Mario Draghi, hinted that he is willing to lower interest rates if the economy of the euro area worse, why the Euribor has evolved down in recent weeks.
However, some analysts suggest that the reduction in rates will be delayed to June, in particular the prospects weekly report released Friday by Bank of America Merrill Lynch noted that "a single month of weak growth" is not enough for the ECB decide to take the plunge.
0 件のコメント:
コメントを投稿