住宅ローンの金利の指標となる2012年12月の12ヶ月のEuriborの金利は史上最低の0'549%に下落
EURÍBOR DICIEMBRE
El euríbor cae al mínimo histórico del 0,549 % y rebaja las hipotecas 1.200 euros
El indicador cierra el año en 0,549 %
En diciembre de 2011 el euríbor llegó a superar el 2 %
Sólo se podrán beneficiar los préstamos que no incluyan una 'cláusula suelo'
EFE Economía Madrid 31 DIC 2012 - 12:40 CET
DECEMBER EURIBOR
Euribor falls to record low of 0.549% and 1.200 euros discount mortgages
The indicator closed the year at 0.549%
In December 2011 the Euribor rose above 2%
Only loans can benefit not include a 'ground clause'
Economy Madrid EFE 31 DIC 2012 - 12:40 CET
Euribor twelve months, the indicator used to calculate mortgages, today closed December with a record low of 0.549%, which will lower the mortgages contracted a year ago at about 100 euros a month or 1,200 a year. The indicator joins his sixth year low of thirteen months accumulates consecutive declines, the last four below the official price of money in the euro area (0.75%).
A year ago, in December 2011, the Euribor stood at 2.004%, almost four times higher than its current rate. For an average mortgage of 150,000 euros hired a year ago with a repayment term of 25 years for a review in January, the rebate will be 101 euros monthly and annual 1212.
For an average mortgage of 150,000 euros to 25 years for a review in January, the rebate will be 101 euros per month
This decline may benefit only mortgage loans that do not include a clause "soil", which prevents them from losing a certain percentage, which is around 3% - and therefore benefit from situations like this. The Euribor, which is the interest rate at which banks lend money in the euro area, often varies depending on the ups and downs that applies the European Central Bank (ECB) interest rates.
This indicator marked a record high in July 2008, to close at 5.393%, and from that moment began a downward trajectory that was stopped in 2010 and resumed in mid-2011. The minimum daily rate marked the month Euribor on 14 December, when it stood at 0.537%.
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