スペインでの住宅ローン金利の目安となるEuriborは、2013年5月には0'484%に。
El fin de la cláusula suelo coincide con un euríbor en mínimos para los hipotecados
El indicador que fija el precio de la mayoría de créditos para comprar vivienda está en el 0,484%
La eliminación de los topes puede suponer un ahorro de entre 105 y 60 euros al mes de media
Adiós a las cláusulas suelo de las hipotecas
Álvaro Romero Madrid 13 JUN 2013 - 14:26 CET
The end of the ground clause matches a Euribor lows for mortgage
The indicator sets the price of most loans to buy housing is in the 0.484%
Removing the caps can result in savings of between 105 and 60 euros half
Farewell to ground clauses in mortgages
Alvaro Romero Madrid 13 JUN 2013 - 14:26 CET
The more than 400,000 families will benefit from the decision of BBVA and Cajamar controversial clause suppress the ground after the judgment of the Supreme will receive an additional injection of money monthly in their homes, as the measure are caught with the Euribor lows. The indicator, which is most often used to price mortgages in Spain, ended May at 0.484%, a level unknown in its 13 year history.
Therefore, the mortgaged who have been released soil and have to check your credit soon with this information, they may have an average savings of between 60 and 105 euros per month. According to BBVA himself admitted, the measure will stop paying about 82 euros. The reduction is possible because the group of people affected by the controversial clause ceased to benefit from the decline in Euribor when the index hit 2.8%.
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So now, instead of paying an interest rate of 2.8% credit, these mortgaged may pay the Euribor of 0.50% over the corresponding differential, which varies between half a point and percentage point. Depending upon the differential, the monthly rebate varies between 60 and 125 euros. The savings is calculated for a 125,000 mortgage and 25 years, according to the INE amounts fall within the current average for this type of loan, but can vary significantly given the disparity in the amounts borrowed, term, and, most importantly , the spread over the Euribor at the signing of the mortgage.
Another factor that will determine the amount of savings will be the date on which the mortgage revise touch. This point is important because the Euribor trend threatens to change along this month. The engine that drives the Euribor, which is the interest rate at which a selected series of banks lend money to each other, is the official price of money down the ECB and, since early May, is in the 0.5 mimino %. In this sense, if the indicator dropped from the benchmark rate in May was by expectations that there would be further cuts in interest rates by the body that presides Mario Draghi. However, at the end expectations are not met, there is already back on the 0.50% (0.504%) and the average monthly point friction means requested percentage with 0.489%. Cheapens the mortgage euríbor long as inferior to that used as a reference, which is usually one year or six months earlier.
Finally and for the future we must remember that BBVA and Cajamar are first mortgages who lose ground across the board clause 1.7 million loans that are in Spain with this imposition. According to lawyers, registrars say, the Supreme Court decision will cause the suppression "cascade" of the clause by the other entities. The reasons, they add, will come not only from the side of the case, but also for trade policy issues and image.
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