住宅購入の住宅ローンの指標となるEURIBORは、2012年9月には0'74%という記録的な低水準に
El euríbor hipotecario cierra septiembre en un mínimo histórico del 0,74%
El índice cae por debajo de los tipos oficiales y ahorra más de 1.000 euros anuales
Miguel Jiménez Madrid 27 SEP 2012 - 11:58 CET
Euribor mortgage closed September at a record low of 0.74%
The index falls below the official rates and save over $ 1,000 annually
Miguel Jimenez Madrid 27 SEP 2012 - 11:58 CET
Amid cuts and tax rises, mortgages are still one of the few joys for the Spanish pocket. Euribor mortgage, the rate at which they are referenced most mortgages for home purchases, will close on Friday September at 0.74%, a record low. That will result in significant reduction of quotas for those with annual review referenced to data this month, unless they have a clause that prevents soil that take advantage of this down. Euribor is the interest rate at which banks lend to each other. With data from the one-year Euribor is calculated each month Euribor mortgage.
The 0.74% with just the month is a reduction of 1,327 data points compared to the same month last year, the largest downward revision from January 2010. It also assumes that the Euribor mortgage fall below the official rate (currently at 0.75%, and with prospects of a new rebate), something that had not happened since 2003.
The figure represents the largest downward revision from January 2010
The reduction in the share of mortgages depends on the characteristics of each loan, and in particular the amount and term. For a mortgage rate of 150,000 euros to 25 year term, contracted with a spread over EURIBOR of 0.75 points, saving the monthly fee is 109 euros, 15.4%, equivalent to 1,306 euros. The percentage is extrapolated to different mortgages contracted amount that period and that differential.
In general, the longer the term, the higher the savings, because the burden of interest on term loans. For 15-year mortgages with a spread of 0.75 points, the reduction is about 10% and for 50-year term is greater than 25%.
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