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EURIBORが市場最低の1'062%を記録したので、住宅ローンの金利も安くなり、20年支払いで9'8%減り、50年支払いで20'5%安くなる
Las hipotecas se abaratarán hasta un 20% con la bajada récord del euríbor
El ahorro medio en las cuotas a pagar será de casi 1.000 euros al año
Lluís Pellicer Barcelona29 JUL 2012 - 19:23 CET
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Mortgages will become cheaper by up to 20% with the Euribor-time low
Average savings in fees paid will be almost 1,000 per year
Barcelona Lluís Pellicer 29 JUL 2012 - 19:23 CET
Average savings in fees paid will be almost 1,000 per year
Barcelona Lluís Pellicer 29 JUL 2012 - 19:23 CET
In times of recession, social and wage cuts and rising unemployment, the good news is scarce. But citizens who are ready to review your mortgage at least something will be alleviated with the descent of the Euribor. Falling interest rates and, according to analysts, the prospect that the European Central Bank to lower them again, have led to this index that determines the mortgage Europeans to its lowest level since trading began in 1999. For the first time since then, this week the daily rate of Euribor stood below 1%. With the available data, it is calculated that the monthly index closed at 1.062% in July (in the absence of data confirming the last two sessions the last thousandth), which means that mortgages with a longer duration will benefit from a discount of up to 20.5%.
The Euribor, which is the rate at which banks lend to each other, chains and nine months of decline. The biggest drop, however, has been the last month going from 1.219% to 1.062% after the ECB decided to lower interest rates from 1% to 0.75%. What happens to this indicator impacts on the citizens who pay a mortgage, especially those who bought before the start of the crisis. And those who will review your loan can now breathe. The monthly mortgage payment for an average credit of € 150,000 indexed to Euribor and a spread of 0.5 points with a duration of 25 years will pay about 82.5 euros per month. That is, it will save 990 euros per year.
Citizens will benefit most from the falling rate mortgages are those which hired long. If the loan has a life of 30 years, the average loan for the share fall to 13.9% if 40 years, 17.4% and for those who signed loans to 50 years, 20.5%.
The index closed July at 1.06% and experts believe it will drop 1%
Those who most benefit the descent, then, will those who hired their credit before the real estate sector began to collapse, since at that time were made with mortgages that were subject to lower spreads of between 0.40 and to 0.75.
Not so with those who have contracted loans in recent years or who will do it now, because analysts believe that the differentials that apply in contracts, much higher, they eat the descent of the Euribor.
Prices fall and the floors are 23.6% cheaper than in 2008
Even so, Professor of Applied Economics at the University Pompeu Fabra, José García-Montalvo, states that in the past two months we are seeing a contention and even a decrease in the premium over Euribor. According to the National Statistics Institute (INE), the average interest rate at which mortgages were granted in the month of May was 4.32%, which represented a decline from the previous month.
Those who buy a house now be left with the consolation that the prices of the apartments continue to fall, even at a faster pace, and are now 23.6% cheaper than in 2008, and that if they buy before the end the year may still benefit from a VAT of 4% and tax relief. Nor shall the descent who once signed a contract that included a clause soil, which expunged the descent of the Euribor from a specified level.
The interest rate at which banks lend to each other is nine months of decline
THE COUNTRY
García-Montalvo assumes that the monthly Euribor will be below 1% and notes that this circumstance will increase the disposable income of families who carry a mortgage on his back. However, that gain may be eroded by rising unemployment.
The member of International Financial Analysts (IFA) David Cano for his part said that the decline is mainly "to cut interest rates and the expectation that they will lose more", to 0.5%. Cano predicted that the index will continue to relax in the "next six to nine months," although in his view, the minimum dimensions in which interest rates are also significantly deplete the fall of the Euribor.
The main beneficiaries will be the longer-term loans
The Euribor, which is the rate at which banks lend to each other, chains and nine months of decline. The biggest drop, however, has been the last month going from 1.219% to 1.062% after the ECB decided to lower interest rates from 1% to 0.75%. What happens to this indicator impacts on the citizens who pay a mortgage, especially those who bought before the start of the crisis. And those who will review your loan can now breathe. The monthly mortgage payment for an average credit of € 150,000 indexed to Euribor and a spread of 0.5 points with a duration of 25 years will pay about 82.5 euros per month. That is, it will save 990 euros per year.
Citizens will benefit most from the falling rate mortgages are those which hired long. If the loan has a life of 30 years, the average loan for the share fall to 13.9% if 40 years, 17.4% and for those who signed loans to 50 years, 20.5%.
The index closed July at 1.06% and experts believe it will drop 1%
Those who most benefit the descent, then, will those who hired their credit before the real estate sector began to collapse, since at that time were made with mortgages that were subject to lower spreads of between 0.40 and to 0.75.
Not so with those who have contracted loans in recent years or who will do it now, because analysts believe that the differentials that apply in contracts, much higher, they eat the descent of the Euribor.
Prices fall and the floors are 23.6% cheaper than in 2008
Even so, Professor of Applied Economics at the University Pompeu Fabra, José García-Montalvo, states that in the past two months we are seeing a contention and even a decrease in the premium over Euribor. According to the National Statistics Institute (INE), the average interest rate at which mortgages were granted in the month of May was 4.32%, which represented a decline from the previous month.
Those who buy a house now be left with the consolation that the prices of the apartments continue to fall, even at a faster pace, and are now 23.6% cheaper than in 2008, and that if they buy before the end the year may still benefit from a VAT of 4% and tax relief. Nor shall the descent who once signed a contract that included a clause soil, which expunged the descent of the Euribor from a specified level.
The interest rate at which banks lend to each other is nine months of decline
THE COUNTRY
García-Montalvo assumes that the monthly Euribor will be below 1% and notes that this circumstance will increase the disposable income of families who carry a mortgage on his back. However, that gain may be eroded by rising unemployment.
The member of International Financial Analysts (IFA) David Cano for his part said that the decline is mainly "to cut interest rates and the expectation that they will lose more", to 0.5%. Cano predicted that the index will continue to relax in the "next six to nine months," although in his view, the minimum dimensions in which interest rates are also significantly deplete the fall of the Euribor.
The main beneficiaries will be the longer-term loans
住宅ローンは、EURIBOR史上最低の20％まで安くなります
支払われた報酬の平均貯蓄は約1,000年間になります
バルセロナルイス·Pellicer29 JUL 2012 - 19時23分CET
銀行がお互いに、チェーンと減少の9ヶ月間貸すレートであるEURIBOR、。 ECBは1％から0.75％に金利を引き下げることを決めた後、最大のドロップは、しかし、1.219パーセントから1.062パーセントに行く先月されています。何が危機の開始前に買った人は、特に住宅ローンを支払う市民に、このインジケータの影響に発生します。そして、あなたのローンを見直し、人々は今息をすることができます。 25年の期間でEURIBORと0.5ポイントの拡大に連動し€150,000平均クレジットの毎月の住宅ローンの支払いは月額82.5ユーロについてお支払いいただきます。すなわち、それは年間990ユーロの節約になります。
市民が下がり金利ローンから最も長い雇用するものである利益になる。ローンは30年の寿命を持っている場合は、シェアの平均融資は13.9％に低下17.4％、40年の場合と、50年に20.5％の融資を署名した人のために。
指数は1.06％で7月閉鎖し、専門家はそれが1％をドロップしますと信じて
その時点で0.40の間の低いスプレッドの対象となった住宅ローンで作られていたのでほとんどが降下恩恵を受ける人は、その後、不動産セクターの前に彼らの信用を雇った人々は、崩壊し始めます。 0.75〜。
ないので、近年人やアナリストがはるかに高い契約に適用される格差が、彼らはEURIBORの降下を食べると信じているので、今それを行いますでローンを契約した人々である。
価格が落ち、床は、2008年に比べて23.6パーセント安くなってい
たとえそうであっても、大学のポンペウ·ファブラ、ホセ·ガルシア·モン、で応用経済学の教授は、過去2ヶ月で私たちは競合ともEURIBOR以上保険料の減少を見ていると述べている。国立統計研究所（INE）によると、住宅ローンは5月に付与されたときの平均金利は前月から減少を表して4.32パーセントとなりました。
今家を買う人は、マンションの価格はさらに速いペースで、低下し続け、現在は2008年に比べて23.6パーセント安くなっていることの慰めを残し、とすることを彼らは、終了前に購入した場合今年はまだ4％減税の付加価値税の恩恵を受ける可能性があります。また一度指定したレベルからEURIBORの降下を抹消句の土壌を含んでいた契約を締結降下なければならない。
銀行がお互いに貸すときの利子率は低下の9ヶ月です
COUNTRY
ガルシア·モンは、毎月のEURIBORが1％以下と、この状況が彼の背中に住宅ローンを運ぶ家族の可処分所得を増加させるたメモであることを前提としています。しかし、その利得は、失業率の上昇によって侵食されることがあります。
彼の部分のための国際金融アナリストのメンバー（IFA）デビッド·カノは、減少が0.5％、 "金利、彼らは多くを失うだろうという期待をカットする"主にあると述べた。カノは、金利も大幅にEURIBORの低下を枯渇されている寸法の最小値は、インデックスが彼の見解ではあるが、 "今後6〜9ヶ月"でリラックスし続けることを予測した。
主な受益者は、長期的な融資となります
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