2012年11月のEuriborは、最低値の0'588%に下落し、スペインの住宅ローンの金利は最低に最安に。
El euríbor cierra el mes con otro mínimo y abarata las hipotecas en 1.000 euros
El indicador más usado en España para fijar el precio de los créditos baja al 0,588%
El índice acumula un año entero de descensos gracias a la política de tipos bajos del BCE
El País Madrid 30 NOV 2012 - 09:45 CET
Euribor closes the month with another minimum and cheaper mortgages in 1000 euros
The indicator used in Spain to set the price of credit down to 0.588%
The index declines a full year thanks to the low rate policy of the ECB
The Country Madrid 30 NOV 2012 - 09:45 CET
Euribor 12 months, which is the indicator used in Spain to set the price of mortgages, closed November at a record low at 0.588% down to. With the decline, families who have to check your credit with the data of this month will see their shares cheapened as it is well below the 2.044% a year as long as the loan does not have the clause called ground.
For an average mortgage, credit INE on a loan amount of 120,000 euros to 20 years, the fall in the Euribor will result in lower bit more of 1,010 euros per year, equivalent to a discount of 84 euros per month. Although there is still the day's close to the monthly average, the data, which corresponds to the interest at which banks lend money Eurosystem together, vary only 0.588% against this.
The Euribor, which is good for those who have mortgaged their credit referenced to other indices such as the IRPH (which is the average price of loans to these entities) or the new IRS, involving higher fees, has been a year down thanks to the policy of low interest rates from the ECB. Thus, the central bank is trying to revive the economy.
In addition to families who do not have the Euribor as benchmark for their mortgages, another group that also can benefit from cheaper loans is the people who have signed a ground clause when negotiating your credit. This clause imposes a limit both upward and downward in the evolution of the indicator, which if it falls above a certain level does not alter the cost of credit, and vice versa.
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