The Ist document without title Euribor


City Finance. The Eurogroup meets to face of form joined the crisis. It leaves your comments...
New page 1 BeginningIRPHTo claim MortgageBanksGraphs EuriborIbex35

News and comments




Germany does not see positive that the BCE raises the interest rates

 

The Eurogroup meets to face of form joined the crisis

 

The Eurogroup proves to be joined opposite to the financial crisis. It is necessary to recover version version the interbank confidence and that the money flows with normality on the financial market, so that the economy is reactivated again and she enjoys again good health.

   

Eurogroup

   The Eurogroup met in Paris, to try to face to the financial crisis and try to extract agreements to adopt the best measurements to overcome the different economic moments through that they live in Europe. I have plows remembered to check the countable bums, re-capitalize the banks that have difficulties, offer guarantees on the loans and that the banks have sufficiently and suitable liquidity.

   So that the economy works, it is necessary that the banking have enough liquidity, to be able to offer with normality credit to the citizens and to the companies. Without the credits, the companies cannot be financed and grow and then stagnation, economic deceleration and unemployment is generated, forming spirals of economic cooling and unemployment from which every steals it turns out to be resides complicated to go out. The absence of liquidity in the banks, is to fruit of an interbank suspicion for which they do not give themselves money for fear and mistrust between them.

    In this sense and thanks to the agreements adopted grasp the Eurogroup, the Europaean governments, they will take the measures most adapted to manage to confront the financial crisis in each of his respective countries.

   In Spain, the Government you have already taken three measures of exceptional importance, to confront the financial crisis:

- You were guaranteeing the thifty persons. 100.000 euros plow guaranteed for titling and it counts.

- Creation of two funds with different functionalities:

           1) Fund of up to 50.000 million euros with charge to the Treasure, to buy assets of high quality and completely healthy to the banks and so these have enough liquidity on which credits could meet to the companies and to the consumers. It is to temporary measurement, until the banks have liquidity of native form, for which the measurement will be becoming extinct. It is to recoverable money, because raises, the banks either they work with normality after the interbank confidence recovers, either they will not need the help of the fund and the assets will return to the banks and the money to the Treasure.

           2) Fund for the guarantees of the banks. The banks will be able to be financed thanks to these guarantees. These guarantees guarantee to the financial institutions that could be financed until the year 2009 ends. The fund for the guarantees of 2008 is 100.000 million euros.

   There plows extraordinary measurements because the current financial climate through that on live at Europaean level is exceptional. Let's hope that they should give the suitable results. Today the bags have had historical profit and the Euribor you have lower up to 5,425 %. Let's hope that the confidence should reign soon on the market of the money again, although from the Government one already affirms that it is to question of to long and lasting way.

City Finance It leaves your comments On October 10, 2008
On Thursday, February 05, 2009 to 0:16:06 AM AM PM AM

       And it is me who says... when the people buy to herself to TV the people compare, find out, 50 shops plows covered... And I say to TV grasp to car, clothes, I dog say what I know. And what raisin with the mortgage?? plow you going to do the biggest buy of your life and do not find out? I covered ALL the banks and boxes of my city, and very few, now alone memory one (the caixa) who recommended to me the IRPH... with the little that I investigated in Internet and what other banks said to me I DID NOT FALL DOWN. And me solidarizo with all of you but with this I pisses that to sign to mortgage is to very important thing on ace to take it lightly and not to compares the market. To greeting and fortitude to all.

Comment number: 86

Yam: Zetero

On Wednesday, February 04, 2009 to 2:30:20 AM AM AM PM

       The Ist am foreign I am stopped have 4 children and my wife only works to half to day I am driven to despair because, on having signed the writing, they did not explain to us on the euroibor and the irph three years ago when have should buy the apartment q is not vpo now q is was thinking that they were going to lower the quota to me in February they say to me that q not on the contrary they raise it to me because I have hired it with the irph and to equal q you I feel defrauded help!!!!! must take measurements and to go out to the streets and q stop giving money to the banks and forming cooperatives or something similar for q the helps I have eats directamenete to the neediest, and insentibar the work

Comment number: 85

Yam: Eduardo

On Sunday, February 01, 2009 to 0:34:46 AM AM PM PM

       Good, have left to kidling obción those who cannot do the novation, which is to check the mortgage month to month and not to wait to the annual review, I have donates it in several ocaciones with the caixa, they have received to commission of 18 from me € you reside or less, but they adapt the interest to you to the last one, and with the descent that takes it pleases in the mortgage the commission is amortized in the first receipt, it is not the same expert the novation, but anything is anything. The banks plows not to few sausages now, the banks plow to few sausages since the first one of the history is believed, but some of them have just realized.

Comment number: 84

Yam: JoVi

On Tuesday, January 27, 2009 to 11:07:33 AM AM AM PM

       Hello to all those who feel defrauded with the IRPH and/or with UCI. WE plows JOINING TO FIGHT AGAINST THEM. We do it in the direction: To gain access to our group you have only to copy and stick ésto in your navigator groups.google.es/group/queremos-el-euribor? hl=es or also you dog visit this another forum that is of to page similar to this one financeonlinefind.com/irph.php WHILE YOU RESIDE WE PLOWS RESIDES I FORCED WE WILL HAVE. FORTITUDE.

Comment number: 83

Yam: ANTONIO

On Thursday, January 22, 2009 to 1:46:35 AM AM AM PM

       for mortgaged: if, the normal thing is to take that of two months earlier. for glory: that thing about the debt is easily salvable, you dog obtain to relative (mother or father easily) that puts himself grasp choke with you... sees to all the banks that it occurs to you, which not you of shame to ask for to they praise, which THEY DO NOT DO ANY FAVOR TO US, THERE PLOWS BECOMING RICH TO OUR COAST, AND WHEN THEY lose NOTHING HAPPENS BECAUSE THE GOVERNMENT GIVES IT...

Comment number: 82

Yam: arturo

On Thursday, January 22, 2009 to 11:07:33 AM AM AM AM

       For Arturo: thanks for the information, last year when I got in touch with UCI and they said to me that until February 20 they could not say to me what was raising the mortgage of fact the interest that goes out for me in the receipt it is 5,63 + 0.25 that is my differential and is to percentage is the one that existed in February, 2008. The same way I cannot go to any pleases because I am in 55 % of debt and any bank is me pays attention expert soon expert I exhibit the marries to them. But I do not understand if I take 2 years assuming the quotas, never the returned one not letter and the two plows fixed it does to jet of years..... Good nobody they is interested in why I am to client of high risk. I hope the banking personnel was little you reside skylights and they will speak to us in Castilian.

Comment number: 81

Yam: Glory

On Thursday, January 22, 2009 to 11:02:24 AM AM AM AM

       Ok, Arturo, thank you very much, I will read it thoroughly. Anyhow...: do you consider to be normal that I should be checked at the end of March with information of previous December? I ask you for your personal opinion although already that will be what says the contract.... greetings

Comment number: 80

Yam: Mortgaged

On Thursday, January 22, 2009 to 0:53:55 AM AM PM AM

       Hello, I am 22 years old, to mortgage to 40 with UCI and with IRPH. I feel super defrauded and up to today that and brought in here and and I dress the quantity that we plows, I was thinking that it had been the only one in signing my piss. Not that I dog do, please that qlguien that it understands to little am advises I. East is my email: mes_v@ hotmail.com

Comment number: 79

Yam: Sara Muriana Esteve

On Wednesday, January 21, 2009 to 7:56:18 AM AM AM PM

       for glory: I say to you the same expert to mortgaged, is reads the contract because if they apply the December irph to you it is possible that you plow even worse. I in your marries, that is to say if they apply 6 % to you, me iva already to another bank, and it would change to euribor, would accept even euribor +2. possibly at the age of three have to do to substitution since euribor 2 you reside is almost usury, you do not go to save money, possibly cost you, but IF YOU PLOWS GOING TO GAIN LIQUIDITY, which is what you need. my email is artblor2@gmail.com if you want that it deepens it resides... greetings and luck

Comment number: 78

Yam: arturo

On Wednesday, January 21, 2009 to 7:46:03 AM AM AM PM

       for mortgaged: I have reads thoroughly the contract of the they praise, you have to make it very clear, and then it sees to your bank so that they explain it to you and if have does not convince you sees to the head office of the entity. greetings and luck

Comment number: 77

Yam: arturo

On Wednesday, January 21, 2009 to 7:42:33 AM AM AM PM

       finally: it is true what rafael says "the Irph, it is desperately slow to go down not so much to rise, but let's recognize that always to been slow his fluctuation" what rafael omits is that the euribor is never gone down expert sudden expert is doing it now. polemics (interesting certainly) to part I end up by saying that: do not pay attention of anybody who speaks in to forum, to go to your entity to ask about what you should need and go to to pair of banks I hope you reside to know that they offer you. greetings and not to be wrong

Comment number: 76

Yam: arturo

On Wednesday, January 21, 2009 to 7:35:00 AM AM AM PM

       The Ist want to make also clear that what is not conceivable Y POR ESO ESCRIBO EN EAST FORUM, is that: 1st to difference exists almost of 0.5 between the irph of the boxes and of the banks, since it is supposed that the boxes plows entities fundacionales without make to profit fortitude and that they plow to help the 2nd citizen the publication of the irph heightens later than that of the euribor my protests they plow directed to you that you read these comments so that you do not allow yourselves to trample for the bank or box in that you plow. postscript (I am cajasol adviser, I know to little about what I say, but the will swindles general say who is right)

Comment number: 75

Yam: arturo

On Wednesday, January 21, 2009 to 7:21:13 AM AM AM PM

       explanatory rafael notices for and for those who think like: the calculation that I have made this one based on the irph definition, not in "everlasting theories have been so or roasts". if you read yourselves this definition (average obtained from the average types of interest of the mortgage loans with to term Superior to three years that have been granted by the banks during the month), and bearing in mind that expert the euribor is so low the cajaso plows offering euribo + 2 or 2,5, it is very easy to conclusion eats to the same that it was me who you have have eats: in February the irph will be concerning 4 % or less

Comment number: 74

Yam: arturo

On Wednesday, January 21, 2009 to 2:06:09 AM AM AM PM

       Another thing. Those who plows thinking of doing NOCACIÓN of the IRPH to the Euribor, bearing in mind two things: 1st The big percentage difference between the Euribor and the IRPH, will be supported most likely over to point during approximately approximately 6 months, so we have 6 months of very tall IRPH. But after this alone there will be 1 difference point. 2nd The Euribor is checked and to differential is applied to him normally, do never be it must be major than 1 point, because if we will not be paying in 6 months any you reside than the IRPH, which normally is irph +0. the novation bears an I exthought. Therefore what costs us the novation you reside the Euribor reside the differential that they apply to us must not suppose any it resides expenses than what we plow paying for the IRPH of any resides these six months.

Comment number: 73

Yam: Rafael

On Wednesday, January 21, 2009 to 1:52:10 AM AM AM PM

       Explanatory notices for that any false report knows him to Glory. The IRPH, it goes it is to be lowering gradually even pornerse to point approximately over the Euribor, thing that is the normal thing, but Gentlemen, the Irph, it is desperately slow to go down not so much to rise, but let's recognize that to been slow his fluctuation, so most likely in January it will putt itself approximately in 5,5 % in February in 5 % and so successively up to putting itself to to difference point with regard to the Euribor, with all this information you will always realize that until they do not happen approximately 6 months approximately it will be necessary to bear one they differ from you reside than 1 point. So to be realists and to do the forecasts being provided with half to point expert maximu of monthly descent of the IRPH. To greeting to all. I say these to you because I have several relatives being employed at banks.

Comment number: 72

Yam: Rafael

On Wednesday, January 21, 2009 to 1:21:27 AM AM AM PM

       Arturo, really you believe that for February it will be concerning 4 %, since I am in to very critical situation, and this for me would be the salvation. Since I have to mortgage for 321000 euros and to current quota of 2000 € if there does not go down 5.63 % + 0.25 that existed in February, 2008 dog imagine what am eats to I to rise it resides. You have given to me to bit of breath, although I do not want to be excited. Thanks for the clarification.

Comment number: 71

Yam: Glory

On Wednesday, January 21, 2009 to 0:22:52 AM AM PM PM

       Arturo, really you believe that for February it will be concerning 4 %, since I am in to very critical situation, and this for me would be the salvation. Since I have to mortgage for 321000 euros and to current quota of 2000 € if there does not go down 5.63 % + 0.25 that existed in February, 2008 dog imagine what am eats to I to rise it resides. You have given to me to bit of breath, although I do not want to be excited. Thanks for the clarification.

Comment number: 70

Yam: Glory

On Wednesday, January 21, 2009 to 0:15:50 AM AM PM PM

       For arturo: I have IRPH Entities + 0, they check on March 21 and not porqué the index that they quotes his ace an example is that of previous December. You that you plows employed at to bank...: dog you clarify to me if I am in right to ask that should be checked by information of the previous month how the whole world and not of three months earlier how till now?? Thank you in advance.

Comment number: 69

Yam: Mortgaged

On Wednesday, January 21, 2009 to 0:11:31 AM AM PM PM

       Arturo, really you believe that for February it will be concerning 4 %, since I am in to very critical situation, and this for me would be the salvation. Since I have to mortgage for 321000 euros and to current quota of 2000 € if there does not go down 5.63 % + 0.25 that existed in February, 2008 dog imagine what am eats to I to rise it resides. You have given to me to bit of breath, although I do not want to be excited. Thanks for the clarification.

Comment number: 68

Yam: Glory

On Wednesday, January 21, 2009 to 11:56:53 AM AM AM AM

       For arturo: I have IRPH Entities + 0, they check on March 21 and not porqué the index that they quotes his ace an example is that of previous December. You that you plows employed at to bank...: dog you clarify to me if I am in right to ask that should be checked by information of the previous month how the whole world and not of three months earlier how till now?? Thank you in advance.

Comment number: 67

Yam: Mortgaged

On Wednesday, January 21, 2009 to 11:05:46 AM AM AM AM

       Hello, you know if the boxes it even is legal that apply the rounding (not differential) raises the law went out in 2007 annulling it and pronounces itself previous saying that it was excessive. My mortgage is of 2001 IRPH + rounding to to quarter of point. Only does it serve for the mortgages signed from 2007? or have they to of taking it from me? thank you

Comment number: 66

Yam: LAIA

On Wednesday, January 21, 2009 to 9:04:29 AM AM AM AM

       For Angel...... I feel if it you have sat badly my message.... it is clear that they plow to few vampires and that they plow going to absorb the whol blood that they could........ Expert for my marries, they apply to me the average IRPH of boxes and banks, but it is true that my marry is not the normal one....

Comment number: 65

Yam: david

On Tuesday, January 20, 2009 to 8:22:34 AM AM AM PM

       The Ist clarify to all those that you think that the irph is an average of euribor of the thre previous months that is not like that, the irph is extracted of the average between the loans that at present plow giving the boxes or the banks, it is true that in December the banks and boxes were offering euribor +2 or 2,5 and that's why the value of the irph of December is 6 %. that of January very probably will be an environment to 5 %, in February it will lower 4 % and it will be supported on this number, between 3,5 and 4 %. the real theft they do it to us in having to wait 20 days for his publication, while that of the euribor have move forward the government, and is there where we would have to join to protest. I work in cajasol and have irph-1, like almost all the personnel of the boxes, at present my "used praise" it is to 5.5 three points I you reside than the euribor and you prop have to thank them for the favor. if I dog help my email to you it is artblor2@gmail.com

Comment number: 64

Yam: arturo

On Tuesday, January 20, 2009 to 6:50:34 AM AM AM PM

       The Ist have to doubt they say to that the irph is stabler but it is stabler when the types an euribor they go down, to imagines that the euribor raises in his 2 months the same that to lowered, the irph would raise also rapidly why I have understood that it is always to be for encimo of the euribor, I am wrong or it is correct.

Comment number: 63

Yam: paco

On Tuesday, January 20, 2009 to 3:44:45 AM AM AM PM

       Hello Leticia, I have it in UCI, I have already sent to them to mail to mention to them how it is possible to solve, but they have not answered me. Last year I was already in the same situation and in the end they answered me to few days before the review that I have it in March but with the February index. They said to me that expert soon expert the review was applied we would speak and this way it was the day 5/04/08 to few received steals the 1st cutoa with the it was uncreating I could have eats to an agreement with them. The e-mail that I wrote to them so that they should get in touch, clearly was. "From April I cannot pay the mortgage, when they like they call me." Let's go if they called. Greetings

Comment number: 62

Yam: GLORY

On Tuesday, January 20, 2009 to 3:43:23 AM AM AM PM

       Hello Leticia, I have it in UCI, I have already sent to them to mail to mention to them how it is possible to solve, but they have not answered me. Last year I was already in the same situation and in the end they answered me to few days before the review that I have it in March but with the February index. They said to me that expert soon expert the review was applied we would speak and this way it was the day 5/04/08 to few received steals the 1st cutoa with the it was uncreating I could have eats to an agreement with them. The e-mail that I wrote to them so that they should get in touch, clearly was. "From April I cannot pay the mortgage, when they like they call me." Let's go if they called. Greetings

Comment number: 61

Yam: GLORY

On Tuesday, January 20, 2009 to 3:02:18 AM AM AM PM

       David, two clarifications: 1st The IRPH that they apply is that of the box or the bank, that is to say if you have the boxes IRPH they will apply 6.08 % to you and if you have the IRPH of Bank will apply 5,635 % to you, so there is not the average the one that they apply to you, so only you will be interested in the average. 2nd question, the delay about which we know (All) that it takes the IRPH with regard to the Euribor, it is alone for the descents, because for the delay you were uncreating not at all, and if you do not believe it look at the balances that the Spanish Bank publishes for several years. SO YOU DO NOT INDEFENSIBLE DEFEND THE THING. there plows to few sausages.

Comment number: 60

Yam: Angel

On Tuesday, January 20, 2009 to 1:54:05 AM AM AM PM

       hello there, I have the boxes irph, have the next review in March, and uci (the entity where I obtained the mortgage), does not give signs of life, so much for telfono expert by e-mail, I would like knowing if someone dyes the review to my peace, and if alguiena could speak with uci, thank you

Comment number: 59

Yam: leticia

On Tuesday, January 20, 2009 to 0:42:18 AM AM PM PM

       The fact of the IRPH of December is 5,89 and not 6,08 expert it have been commented....... 5,89 there is the fact of the average of boxes and banks, which is the one that is of interest.... therefore, to descent of almost 4 tenths takes pleases..... I suppose that that of the next month yes will be to resides important descent since of all it is known that the IRPH goes with to few months of delay compared to euribor.....

Comment number: 58

Yam: david

On Tuesday, January 20, 2009 to 0:42:14 AM AM PM PM

        there is is sent to you this for s it serves to you expert something I have just gone out of the caixa and after much to try to negotiate to novation in the end pra nothing 1,25 might remain almost like in favor in the euribor any you reside if ossirve of any ycambiar straight it costs to the uribor nor reside the willow that ls silver-plated it neither to snails me

Comment number: 57

Yam: david

On Tuesday, January 20, 2009 to 11:17:06 AM AM AM AM

       The Ist have knew that this would happen, the irph have gone down but it keeps on raising the differential with the euribor!! Us follow defrauding!!!, I repeat that this descent does not answer to the reality and they plows complimenting u and plow making to pay to the mortgaged ones with irph the losses of the boxes, and that this injustice does not go out in the means it is outrageous, it is necessary to achieve that some way does to itself I begin of this, which they investigate you you the one who is in charge of calculating this index, that scale is the one that they use because it gives the sensation that they use the measurement that puts itself them in the nostril, it is necessary to keep on protesting and let's not be content.

Comment number: 56

Yam: alberto

On Tuesday, January 20, 2009 to 10:42:11 AM AM AM AM

       The Ist cheer all up, I am one you reside victim. Today they have said to in my entity "care with The Novation", if you will plows to good client they do it you but with to differential of his 1.50 or 2 %. the this tendency of the irph to the fall. "Care" and glance well the diferenciales.saludos

Comment number: 55

Yam: Marimar

On Monday, January 19, 2009 to 11:02:38 AM AM AM PM

       And it was me who was thinking, q was the the the director of the putt, caixa that had his mania and I am hallucinating (half of Spain we plows expert ì). I would propose something: YOU KNEW THAT THE GIVES PRIORITY TO MINISTER, YOU EAT TO THE PROGRAM "I HAVE TO QUESTION FOR YOU". The serious question: the does Spanish that we have the mortgages signed in i.r.p.h, we plow exempt from paying taxes?, q we plow already in the negligence for the government, we could be for everything. It is to shame, we plows the perfect preys. Remove the perspiration that m is dejao all these years paying my mortgage they do not cost of anything, because for that they plow of the banks resides his right or left hands that look like vultures to the watching of an opportunity to b able to make eyes. IF DOG ORDER THEMSELVES THIS SMS GONE BE IN CHARGE: AND IF SOMEONE DOG GO, THAT SPEAKS ABOUT THIS INJUSTICE. AND I CHEER UP BOYS THAT THE Q THE HAGUE ROUND THERE IS TOO TIGHT BUT SHE DOES NOT DROWN, TO GREETING.

Comment number: 54

Yam: Lourdes

On Monday, January 19, 2009 to 7:46:00 AM AM AM PM

       in December the Euribor to 3.45 %, and The IRPH, to 6,08 %, that is to say 2,6 you reside %, only plow lowered this month 0,25 points and such satisfied people, looks that we plow conformist.

Comment number: 53

Yam: Angel

On Monday, January 19, 2009 to 7:36:12 AM AM AM PM

       3vdobles.bde.es/infoest/a1901.pdf here you find all the types of December I have to putt 3vdoble because they do not allow me to putt the direct link

Comment number: 52

Yam: youngest child

On Monday, January 19, 2009 to 6:03:36 AM AM AM PM

       is wanted to know where I must enter to see it. the Internet linkage. thank you

Comment number: 51

Yam: Gabriel

On Monday, January 19, 2009 to 4:46:43 AM AM AM PM

       IN THE PAG OF THE SPANISH BANK THE IRPH OF DECEMBER WENT OUT ALREADY AND IT IS 6.08

Comment number: 50

Yam: LAYS

On Monday, January 19, 2009 to 4:45:44 AM AM AM PM

       IN THE PAG OF THE SPANISH BANK THE IRPH OF DECEMBER WENT OUT ALREADY AND IT IS 6.08

Comment number: 49

Yam: LAYS

On Monday, January 19, 2009 to 3:55:01 AM AM AM PM

       The Ist want to wait to see officially tomorrow the December irph, but I want to mention to you that you should not be satisfied with to descent of half to point!! that not!!, that I continue us defrauding because the differential with the euribor keeps on rising, because this one is going down to to rhythm of almost to point to month and the irph n, and that is not good at all because although they say to us that this index is slower than the euribor, when the euribor stops lowering that you stake that the irph also will stop lowering and therefore it is going to stagnate in to level much higher that in th one that was remaining the euribor, so everything what there plow not descents similar to those of the euribor is not satisfied by you for us they her continue putting doubled.

Comment number: 48

Yam: alberto

On Monday, January 19, 2009 to 2:48:29 AM AM AM PM

       The Ist am hallucinated, to few days ago I messed in google about the letters irph and I do not find news that mention it, only I see comments of the people grasp I infuriated, meet that we plow to cousins' candidad with the word stolen written in the forehead, this gives expert to attract attention on the press. and that speak about this topic. I have sinned of ingenuous and of not knowing, and really I have realized what it had when after months of hearing that the euribor was going down and that we would notice that we were going to notice to relief in the payment of the hipotaca, mine kept on rising. Certainly, I belong to those that there pays an interest called IRPH, which climbs to what to the boxes one sets them in the nostril. This is of shame!! I am in spite of organizing itself that thing about to protest or what it is necessary t have, to believe to blog or what is. about this it is already necessary to speak in some mas communicatio average!

Comment number: 47

Yam: miriam

On Monday, January 19, 2009 to 2:38:29 AM AM AM PM

       The web Ist have just entered the of the Spanish Bank and there is good news: they lower the IRPH of December (between 0,25 and 0,50 depending on the one that you have). It is not the past one but at least it seems already that it takes the tendency of the Euribor... I hope the differential that the sres apply. (?) bankers do not go off and somewhere near these date of February we keep on breathing to little... Fortitude friends!!!

Comment number: 46

Yam: Pedro

On Friday, January 16, 2009 to 4:49:59 AM AM AM PM

       Good evening, I inform you that it is not necessary to wait on January 20 to know the December irph, if you happen for your entity they will inform you, they it have been many days since know it, like advance that you know that it have risen lightly: incredible!. The opportune authorities (Government, Banco España, etc.) would have that actuad, and to have to the entities to check all the mortgage loans indexed to the irph, with you reside identical types to the moment to act. To greeting and Luck, that we plows going to need it

Comment number: 45

Yam: Jaime

On Friday, January 16, 2009 to 4:45:58 AM AM AM PM

       Good evening, I inform you that it is not necessary to wait on January 20 to know the December irph, if you happen for your entity they will inform you, they it have been many days since know it, like advance that you know that it have risen lightly: incredible!. The opportune authorities (Government, Banco España, etc.) would have that actuad, and to have to the entities to check all the mortgage loans indexed to the irph, with you reside identical types to the moment to act. To greeting and Luck, that we plows going to need it

Comment number: 44

Yam: Jaime

On Friday, January 16, 2009 to 4:44:27 AM AM AM PM

       Good evening, I inform you that it is not necessary to wait on January 20 to know the December irph, if you happen for your entity they will inform you, they it have been many days since know it, like advance that you know that it have risen lightly: incredible!. The opportune authorities (Government, Banco España, etc.) would have that actuad, and to have to the entities to check all the mortgage loans indexed to the irph, with you reside identical types to the moment to act. To greeting and Luck, that we plows going to need it

Comment number: 43

Yam: Jaime

On Friday, January 16, 2009 to 4:34:56 AM AM AM PM

       You recomiento to prove the substitution in iBanesto. They have at present an offer that they cover version version with all the expenses of the operation of substitution. Namely not even an eurillo is paid for the change of mortgage. They do not putt problems with mortgages IRPH, of course, they do not accept open credits and it is only for habitual housings. Salu2

Comment number: 42

Yam: Fernando

On Friday, January 16, 2009 to 4:16:30 AM AM AM PM

       You recomiento to prove the substitution in iBanesto. They have at present an offer that they cover version version with all the expenses of the operation of substitution. Namely not even an eurillo is paid for the change of mortgage. They do not putt problems with mortgages IRPH, of course, they do not accept open credits and it is only for habitual housings. Salu2

Comment number: 41

Yam: Fernando

On Friday, January 16, 2009 to 10:00:12 AM AM AM AM

       Boys we have to do something with the thieves and swindlers... I another day went to my bank to ask for the conditions of I am mortgages and to check them and it seemed impossible that they were printing to sheet to me with my conditions. When I extracted the mortgage I was extracted by all those that have loved, to the period that have wanted, we go... they have not shame!!! If someone know that we dog do that we have IRPH that it warns that I sign up!!!

Comment number: 40

Yam: Jose

On Friday, January 16, 2009 to 9:38:01 AM AM AM AM

       At least my box, it showed to me that the IRPH, it will go down, but of course slowly so that not tropiecem expert well expert hurry is had by them, who does not like charging the others legally. Remember that they establish the IRPH between them, so the one who them is going to have to lower it. the government does not even know that the IRPH exists.

Comment number: 39

Yam: ANGEL

On Friday, January 16, 2009 to 9:11:06 AM AM AM AM

       The BCE keeps on lowering the interest rates and the euribor keeps on going down, that you reside information is going to be needed by these scoundrels who will plows in charge of valuing the irph to give not to descent but to bajonazo that equip the euribor, that we do not have why to pay the failures of the savings banks, so gentlemen be applied and rapidito that when the euribor raises insurance again that do not think it so much to give the subidon again. Greetings to all and we continue that in the struggle that they I plowed defrauding to us.

Comment number: 38

Yam: alberto

On Thursday, January 15, 2009 to 10:07:08 AM AM AM PM

       did I sign with does does UCI and I am up to the neck noles defrauded me in to bad way I think that to pay one reside five-peseta coin I have 5 years of lack that was happening when it finishes the carenciá? what dog I do? thank you loscar

Comment number: 37

Yam: loscar

On Thursday, January 15, 2009 to 8:51:58 AM AM AM PM

       Since I have passed for my banking institution, and the the the director who is friendly, I have is said to me, that since the box does not have me taken by the cataplines, since with the mortgage that I have, on not having had any resides debts and to gain 75 % you reside than I pay for the mortgage, and before the risk probable of that I you reside that was going away to another banking institution, THEY ACCEPT TO ME TO PASS TO THE EURIBORSOLO NOTARIAL PAYING THE EXPENSES "VIVAAAAAAAAAAAAAAAAAAAA". Another thing had been that estubiese mortgaged up to the cataplines with you reside than 40 % of my uneats, since knowing that in other banking institutions they would give me not even the good morning, they would not allow me to change the IRPH to the Euribor, since expert is says the announcement "THEY PLOW NOT DUMB"

Comment number: 36

Yam: ANGEL

On Thursday, January 15, 2009 to 3:21:28 AM AM AM PM

       hello, I am different defrauded with the damned irph, and certainly I am going to try to change it to euribor, I have already contacted with my box and they have said to me that I should pass to speak, I do not have great confidence of which they accept but I am going to try it, and if I will not look of changing to another bank, they have already said to me that so that the irph should putt himself at the level of the euribor it have to happe at least one year they will plows to few thieves, to rise to raised to the same rhythm expert the euribor but to go down not, I already comment to you on what they have said to me in my box

Comment number: 35

Yam: Antonio

On Thursday, January 15, 2009 to 2:19:46 AM AM AM PM

       The Ist went to speak with my financier I have the mortgage to the irph and it touches review plows said to me that q this month hundred would raise euros.pago his 900 raised aora of +100 1000 last review dle year I will be paying you reside or less slow 800 much reside in adapatarse to the euribor.

Comment number: 34

Yam: cooper

On Thursday, January 15, 2009 to 0:41:09 AM AM PM PM

       Here other one dipped that also is IRPH. I have tried to do the change with my entity, but the conditions plows not the best, so I am looking of changing it to another entity. The review touches me in March, but the step that the IRPH takes is not too promising. I will be already telling you.

Comment number: 33

Yam: Silvia

On Thursday, January 15, 2009 to 10:19:43 AM AM AM AM

       Hello Alberto, the December index will go out on January 20 in the BOE. You will be able to see it on the page of the bank of Spain. Greetings.

Comment number: 32

Yam: GLORY

On Thursday, January 15, 2009 to 8:55:22 AM AM AM AM

       Not when the December IRPH was published, but since the descent is not like to minimum of to point, the differential with the euribor goes to go to you reside than 2 points therefore they would follow us defrauding shamelessly and it would be scandalou, it is necessary to demand that the differential equal to what is always been these months behind and is about to point with the euribor for which I hope that it should be compared at this level little by little or us they will have putt it doubled raise again.

Comment number: 31

Yam: ALBERTO

On Thursday, January 15, 2009 to 7:42:19 AM AM AM AM

       Hello to all, supposedly today reuren the BCE and they plows going to lower the interest rate of 2,5 % again to 2 % according to the experts, this means that the euribor will keep on going down, but skylight we that we have IRPH that you reside us that these gentlemen meet to have lunch, if it us is not going to you be reflected in anything. I am going to write to few email to the I remove stations who speak every day of polytics and of the mortgages, credit if I am lucky and they do threw in the mass average that also we pay, cheer you up to which you do the same. Greetings penuries partners..... for them oehhhh!!!

Comment number: 30

Yam: GLORY

On Wednesday, January 14, 2009 to 2:18:16 AM AM AM PM

       We will see that of December.

Comment number: 29

Yam: Aitor

On Tuesday, January 13, 2009 to 9:41:40 AM AM AM PM

       The Ist was other days to the box to ask for the novation of the IRPH to the Euribor and they said to me textually "TO THE EDGE OF THE JAIL DO NOT EATS TO ME TO CRY, BECAUSE THE DOCTOR IS PROHIBITED ME TO HAVE CLOSE MOISTURE, BECAUSE I END IT SHRANK". so it is to lump it and to last with the IRPH, and above they say to me that if fall will do it little by little.

Comment number: 28

Yam: angel

On Tuesday, January 13, 2009 to 7:51:00 AM AM AM PM

       Have you tried cabiaros of bank or box? This pínta dark. Changing entity it would represent to little you reside expensive, but there fits the hope that they want to "fuck" to another bank. Fortitudes.

Comment number: 27

Yam: rafa

On Monday, January 12, 2009 to 4:10:44 AM AM AM PM

       The Ist have donated my calculations and if I am not wrong the irph boxes to point is calculated by the average of the euribor of th three previous months January it should be in to 6 you reside therefore from if I am not wrong. I wait for that.

Comment number: 26

Yam: prop

On Monday, January 12, 2009 to 3:01:04 AM AM AM PM

       The Ist would look for myself seriously that thing about at the novation to change IRPH to euribor, it recovers what costs the step in to few months. The IRPH to day of today this one to 6,34 and the official euribor of December, and I would say to 3,4 that one will putt 3 for when January finishes since till now the average of the daily euribor does not overcome 3, which supposes that although they putt to maximum differential of the 1 to you, it would be 4 %, any you reside than 2 difference points... TO GRAZES...

Comment number: 25

Yam: maria

On Monday, January 12, 2009 to 11:09:42 AM AM AM AM

       The Ist also have the irph + 0.35 € with uci. did the review to in November and it raised to 6.68 and the firm one in 2007 in October to 5.45 or to imagine that fortune I am subido.espero that this goes down for my next review his I have it in In May every six months.

Comment number: 24

Yam: src

On Friday, January 09, 2009 to 5:21:04 AM AM AM PM

       Also they cheated me with the IRPH, and the good thing is that they still try to do it, without admitting that of stable it does not have anything, rather they give him the stability that they plows interested in.... The marries is that I have tried that my bank changes to me to euribor and many snags putt me, according to the notary the step does not cost any resides than 600 euros, which it would amortize in only 2 months. I believe that the solution is going to have to be to stop paying the quota, then you will see already expert it will be interesting to them to sit down to negotiate....

Comment number: 23

Yam: Maria

On Wednesday, January 07, 2009 to 11:29:07 AM AM AM PM

       It is necessary to fill the mailbox of the mail to the trainer president so that they change and the IRPH they report of "her - moncloa.es / President / EscribiralPresidente / default.htm" I hope we obtain it

Comment number: 22

Yam: Javier

On Wednesday, January 07, 2009 to 11:16:54 AM AM AM PM

       It is not necessary to allow sending messages in the forums and in the mass you eat up to see if someone feels like reporting. I do not stop sending messages to the herald of the injustice of the IRPH. I hope between all it is possible to do something.

Comment number: 21

Yam: Javier

On Wednesday, January 07, 2009 to 11:10:15 AM AM AM PM

       Hello. When I saw that, on having renewed, is had to pay 6 % during 2009, I said: this cannot be, you have to be badly. But not. I was well made, what it spends is that they do what they want and what they lose on the one hand have to gain for other and this steals you have touched us the small stone. Average The problem is that this does not go out in the mass and they have not pressure. We would have to join in to platform or association or something like that and although w could not do anything, at least report and do that they hear us. If they have pressure it is possible that it changes something. If not.... Salu2

Comment number: 20

Yam: Rubén

On Wednesday, January 07, 2009 to 5:28:19 AM AM AM PM

       To all that querais to change your mortgage I swindle in Irph Euribor expert it is my marries, forget you since the banks will plows very ready and they say to you the same that they have said to me, and the fact is that so that there is to change in the conditions of the mortgage two parts have to agree, and expert you dog imagine to the part of the bank like which is is not interested in too much modifying the mortgage because this way it is extracting to fortune Euribor you reside than if the raisin to, these poor wretches do not know at all, so expert you it do not have in the writing this possibility of change there is nothin to do. I hope the government and the press will eats up before this theft and it was possible to do justice since they plow cheating u.

Comment number: 19

Yam: Alberto

On Wednesday, January 07, 2009 to 5:18:10 AM AM AM PM

       Hello, dog anybody say to me that it is necessary to do for novar the mortgage spending it to Euríbor and that pocentaje of expenses with regard to my mortgage I will have to pay?? Thank you in advance.

Comment number: 18

Yam: carlos

On Wednesday, January 07, 2009 to 5:03:51 AM AM AM PM

       What seems to you if we do something? Some lawyer or someone who knows how to "talk" with those of above?? How is it known if it is possible to do to novation of your mortgage to euribor if you hav irph? does it putt it in the writing of the mortgage? S.O.S.

Comment number: 17

Yam: Núria

On Wednesday, January 07, 2009 to 0:20:57 AM AM PM PM

       Plow we in the same situation, cannot do anything? How our protest does dog one raise the authorities that supposedly plow looking for the interests of the mortgaged ones? What possibilities do we have of comparing our credits to the euribor? Which would be the river beds to demand our requests, where from close the citizens could exercise algúnh type of pressure? To greeting.

Comment number: 16

Yam: Beatriz De Bustos Morales

On Wednesday, January 07, 2009 to 10:44:05 AM AM AM AM

       They plows stealing us. it is necessary to call to the mass average to see if they give publicity. be already enough of stealing the vpo!

Comment number: 15

Yam: Javier

On Wednesday, January 07, 2009 to 9:18:49 AM AM AM AM

       The Ist am to resides that it is the index of reference the IRPH, and is outrageous to see like this one instead of going down rises in November, and it it is it resides, since nobody pays his attention, in the news they do not even mention it, when we 10 % plows approximately of the mortgaged ones that we take this index ace to reference. If someone is to direction of e-mail where we could send our dissatisfaction to this index and between all plow able to do something of pressure, I ask him to let us know about it. Thanks.

Comment number: 14

Yam: Alice

On Sunday, January 04, 2009 to 7:15:07 AM AM AM PM

       Mensaje:IRPH I have sent this to the web of the Spanish socialist party.... I have entered mortgages forums and dress the anxiety that there have all those who have mortgage loans with the index of reference of the IRPH…este index it you have stayed absoleto. plows closed the month of noivienbre to 6,30 when the Euribor is closed in December in 3,40…hay many distressed families and I ask the Spanish socialist party to take measures urgently. because this index is possible that it rises in December. also ask them to demand from the government that the mortgages that want to change IRPH to the EURIBOR should be free.

Comment number: 13

Yam: JUAN

On Tuesday, Dec 30. of 2008 to 2:03:42 AM AM AM PM

       The truth that the situation is not the clearest also they sold to me that the irph was the best thing, at sight this one that is an armed robbery to armed hand. it is to shame that we have to work like blacks only for the bancos.eso those that we lucky plows to have todabia work it is outrageous. to greeting

Comment number: 12

Yam: mari

On Thursday, Dec 25. of 2008 to 1:03:21 AM AM AM PM

       The Ist also feel defrauded. Also they sold to me that the IRPH was stabler. And above the mortgage of the caixa is not, but, it is to credit we go, that you cannot re-pleases to normal mortgage with yourself. Normal that is one of the richest boxes of Spain "cheating" and above you cannot denounce them. I am indignant. I will call them to see if I dog do to novation (I do not believe it). Farewell.

Comment number: 11

Yam: Prostitute Caixa

On Tuesday, Dec 23. of 2008 to 5:22:11 AM AM AM PM

       For Alberto Llevas reason. there plows never been to diferncial of 2 points...... but I am afraid that when the IRPH of December is published on January 20. there will be to differential of + 3 points with. that's why do not think it to myself any you reside and go to do the novation. to greeting

Comment number: 10

Yam: Juan

On Tuesday, Dec 23. of 2008 to 5:15:17 AM AM AM PM

       The Ist have 2 mortgages with the IRPH, with review in July, but expert soon expert the EURIBOR of December is published. I go to do to Novation in my box to change to the Euribor + 50 to me. if I calculate to yourself that the Euribor to yourself dog close In December to 3,25 + 50. I it will have to 3,75. the Novation expenses cost me an average of 600 € for Mortgage. entire some 1200. of paying 6,04 (irph that I have at present) to pay 3,75. I go away to save 175 € to month. x 6 months that I lack for the review almost I cover version version expenses of the change. I have asks: because I do this?... because I am afraid that in July the Euribor could be between in 1,5 and 2 %. and the IRPH I have serious doubts that to greeting could be below 4 % in all

Comment number: 9

Yam: Juan

On Tuesday, Dec 23. of 2008 to 2:30:30 AM AM AM PM

       The Ist feel equally of defrauded that all those who recommended to sign his mortgage in IRPH, because it was stabler than the Euribor, now well, where it is possible to putt some type of claim or to protest before some official organism therefore it is to secret trick why it is not normal that between the IRPH and the Euribor in October there was to differential of 1 point and to following month in which the Euribor is lowered 1 point the Irph not only it you have not lowered but it have risen and is please by to differenti 2 points, thing that have never happened, at least in the last months and is an authentic theft to armed hand, please that someone answers because they plow cheating us.

Comment number: 8

Yam: alberto

On Monday, Dec 22. of 2008 to 5:11:29 AM AM AM PM

       The Ist feel defrauded by the caixa. The "personage" of this entity who advised me the irph, I cheat myself, it is not any you reside, it is stealing me. I make sure that q the irph was stabler. TIE UP! In three years it you have risen resides and resides rapid than the euribor. We would have q all join the defrauded ones and to believe to platform. If the just serious justice in this country music music would not doubt only one moment in demanding the "personage".

Comment number: 7

Yam: Jon Ander

On Monday, Dec 22. of 2008 to 2:13:34 AM AM AM PM

       But since you will see, Pedro, Youngest child and Glory, the news about all the mass you eat up only alludes to the Euribor and not mention of the IRPH, since this indicator his calculation, it is possible to do to the most darken being with the one that loves at all steal. The Savings banks sell that the IRPH, it is stabler and fluctuates less than the Euribor, thing uncertain expert for descents, since if it lowers the Euribor grasp this one happening, this one not only does not go down but it you eat up to rising, but if the Euribor rises, the IRPH was rising with the same I forced that is. FINALLY, thousands of mortgages to the IRPH, and not way speaks about the legal theft that they plows doing, because we do not deceive ourselves the banks and boxes, plow benefiting from the reductions of the BCE. They receive money to low interest and to receive it to what gives them the desire. LIVE THROUGH THE BANKING (it is to joke)

Comment number: 6

Yam: angel

On Monday, Dec 22. of 2008 to 6:51:21 AM AM AM AM

       Since it dog be, if the euribor is going down in stung, I do not believe yet that the IRPH of the boxes is risen when in October, it had gone down. That spends that we plows going to have to pay the descent of the euribor that we have the mortgages to irph. It is amazing and with regard to one year ago, we plows already almost in the difference point. We go to flipar, expert this does not go down 20/01/09. It is going to be asked the kings that magicians I hope me pay attention.

Comment number: 5

Yam: Glory

On Saturday, Dec 20. of 2008 to 3:59:36 AM AM AM PM

       The Ist spend to myself the same that to Pedro. I have was waiting for to descent of the equal irph for the euribor. It seems that the banks have learned of the oil companies. You were uncreating of price of gasoline to rhythm of the were uncreating of the barrel and decenso staggered if it lowers the barrel. Since the same they plows doing the banks. When it was raising the interest rate of the BCE it was raising everything in to uniform way (Euribor, irph) and now when they lower the types they do not lower the irph, but they raise it. How does this eat up? In full crisis the banks overcome the benefits raising the profit margin. It seems perverse to me.

Comment number: 4

Yam: Youngest child

On Thursday, Dec 18. of 2008 to 1:57:23 AM AM AM PM

       We were hoping with longing that they should extract the index-link IRPH of November, since expert it have is eats lowering the Euribor it was logical that they had to marked descent. Which is my surprise that according to the page of the bank of Spain the index-link IRPH not only have not experienced this wished descent, but also they have risen with regard to October. What leg-pull is this one? When coj.... do they have thought trainers vampires of the financial institutions to lower the interest rates of his mortgage products? And for you reside stigma the government, throwing of the collected of each of the ordinary Spaniards of on foot that pay religiously his taxes, liquidity you he decides to inject to the putt. banks, and while they inject us for the bottom. I hope what it is spending is that we have to pay the recent pyramidal rip-off of which they have been, for raise and without it serving expert precedent, victims. From my humblest opinion and big desperation I ask the government to bear in mind the spurious maneuver of those who make call "gentlemen" and they occupy the comfortable easy chairs of the offices of headquarter and presidency of the banks.

Comment number: 3

Yam: Pedro

Is writes your yam:

Your email direction:  (it will not be published)

The Ist have writes your comment:

Enlaces_articulos

Articles

The Eurogroup meets to face of form joined the crisis
(13-10-08)
Germany does not see positive that the BCE raises the interest rates
(30-6-08)
Pedro Solbes points out that Spain is far from an economic crisis
(30-5-08)
They raise the mortgages, raise the food, raise the fuels
(17-5-08)
The government will help in the enlargement of the term of the mortgage
(20-4-08)
The IMF glimpses to very negative economic horizon for Spain
(15-4-08)
The CNC opens sanctioning records against several food companies
(2-4-08)
Trichet removes the possibility of reducing the interest rates
(27-3-08)
Central principal The banks of the world will award liquidity
(16-3-08)
Visa wants to go out in bag
(25-2-08)
What is the OCDE?
(19-2-08)
The surplus of the Social security will be Superior to 8.000 million euros.
(14-2-08)
The sudden fall of the demand of the housing plows to close 40.000 obtain.
(17-1-08)
The Social Minister of Labour and Affairs speaks about the march of the economy and of the work
(9-1-08)
The inflation reaches 4,1 % of interannual change in November
(18-12-07)
The slowness valuation for stopping paying the quota of the mortgage you were uncreating.
(10-12-07)
The second consecutive descent of the Euribor. In November it lowers 4,607 % (2-12-07)

File

November, 2007
October, 2007
September, 2007
August, 2007
July, 2007

It knows

International Monetary Fund (IMF)
Central The Europaean Bank (BCE) and the interest rates
It knows what TAE is
What is an OPA?
(18-10-07)
It knows what the inflation is
What is to inject money?
It knows what the GDP (Gross National Product) is
It knows the commissions that dog receive the financial institutions
The oil and the OPEC
What is the euribor?
The appraisal of the housing
What index is better, IRPH or Euribor?
Multidivided mortgage
Is mortgages bridge
Unturn mortgage
You mortgage to 40 years: Plow they interesting?
You mortgage garbage
Information and advices in the acquisition of to housing
Variable Our mortgage to fixed or interest
Differences between property development company, builder and real you be office

Linkage

Ideal Atrapahogar.com