The Ist document without title Euribor

City Finance. What is the euribor? It leaves your comments...
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What is the euribor?








   The variable Euribor constitutes to worry for many persons who have formalized to mortgage to interest indexed to this index, since of his evolution it depends on all that will rise or lower (although lately this does not happen already) his monthly mortgage quota. It is an index of reference of mortgage loans, but it is not the only one, others exist like the IRPH banks or the IRPH boxes, Public debt, etc. the most well-known and used by the financial institutions at the steals of granting mortgage loans it is the Euribor. Let's see which it is his definition and that is what us Indian.

   Euribor: "Europe Interbank Offered Rate"; in Castilian it means "Europaean Type in the interbank offer". The banks belonging to the Europaean Monetary Union must use an index when they give themselves money, this index is the Euribor. Expert we comment, must continue his evolution, since big part of the mortgages is indexed to this index.

   The Euríbor is the interest rate that the banks recover version version for giving him money between themselves. East is calculated every day. How? The Europaean Bank Federation summons every morning 47 banking institutions of the Continent and rises the following question to them: at what price plow they ready to offer funds? The federation gathers the proposals of the banking institutions, eliminates those who excel themselves at the top or for below 15 % and with the rest it does an arithmetical average. This one you eat up it is the I value that every day marks the Euríbor.

   But in addition to the quotation of the Euribor and of other index-link of reference of mortgage loans, we must be hanging of which it is the differential that goes away to add to the index. If our bank offers us euribor + 0,50, and the quotation of the euribor, at the moment of formalizing the mortgage it is 4,66 %, then we must know that our mortgage praise will be determined by an interest of 5,16 %, since, euribor + 4,66 differentiates = + 0,50 = 5,16.

   We must be well taken advice at the steals of signing to mortgage they praise, knowing the different index-link, his evolution and listening and analyzing the different offers that the banking institutions offer us.

City Finance It leaves your comments On September 3, 2007
On Wednesday, April 16, 2008 to 11:27:54 AM AM PM

       The Ist understand that the Euribor to which you allude in the article is the official Euribor, my question is: what difference is there between the Eur to 3 months, 6 months and 12 months? How is it calculated?

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The Eurogroup meets to face of form joined the crisis
Germany does not see positive that the BCE raises the interest rates
Pedro Solbes points out that Spain is far from an economic crisis
They raise the mortgages, raise the food, raise the fuels
The government will help in the enlargement of the term of the mortgage
The IMF glimpses to very negative economic horizon for Spain
The CNC opens sanctioning records against several food companies
Trichet removes the possibility of reducing the interest rates
Central principal The banks of the world will award liquidity
Visa wants to go out in bag
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The surplus of the Social security will be Superior to 8.000 million euros.
The sudden fall of the demand of the housing plows to close 40.000 obtain.
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The inflation reaches 4,1 % of interannual change in November
The slowness valuation for stopping paying the quota of the mortgage you were uncreating.
The second consecutive descent of the Euribor. In November it lowers 4,607 % (2-12-07)


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