EURIBOR

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On August 07, 2007

    The cards are a danger, especially if you go away of holiday, the world of the consumption and of the diversion they are too tantalizing for...

Castaway commented

On August 01, 2007

    To go out of house with a good heap of cards, is the ideal thing to live drowned, you feel very rich, spend without limits and when ll...

Aar�n R commented

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The credit cards: the beginning and the end of our sleep

   One of the important causes of the indebtedness of the familiar economies, is the facility and the serviceability with which it is possible to spend money across the credit cards. We can acquire what so much illusion does of immediate form, and with the apparent sensation that provides the psychological potentiality to us that we are not spending money, simply we transfer the clerk during a few seconds our wonderful card that opens so many doors to us and that grants so much sleep and desires to us. Also we have "on our part" to the banks, which thanks to his "kindness" there allows us to postpone the money spent in the cards in comfortable monthly salaries. This way we will be able to enjoy our complete sleep and the bank in addition to his corresponding commission received from the seller by the use of the credit card, little our money will be able to take every month thanks to the interests generated by the postponement of our debts.

   But just as the cold winter always comes, the cold reality appears before us soon, and we realize that we are paying our mortgage with an increase possibly annual important thanks to the reviews of our quota and of the continuous increase of the euribor, with the loan of the car that never seems to end and with a monthly receipt of the credit cards that begins already scaring... all this us without counting, the multitude of expenses that in any familiar economy have presence act.

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On November 13, 2008

    hello do I have a mortgage in the pensions caixa with IRPH someone knows how is calculated the interest rate to be paid for the year 2009?...

David commented

On February 10, 2008

    someone might say to me who is more thieving a bank � a father who steals to feed his children.......

He commented on angel

On August 13, 2007

    What I see is that the euribor always rises, and this begins worrying me, seeing when it begins going down......

Pere commented

On August 06, 2007

    I believe that the banks never cover risks, for it they do his studies and handle the world of the numbers in his favor, it brings them...

He commented on Tone

On July 30, 2007

    That thing about the euribor looks like a drama soap opera, nevertheless these days I will sign the writing of my apartment, I am conciente of that can...

Carlos A commented

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Our mortgage to fixed or variable interest?

We all know that the euribor is rising continuously and takes many consecutive months without descending. Although the highest historical value of the index has not been reached yet, nobody guarantees to us that I did not come to short-term him. Due to these circumstances, there are appearing offers of mortgage loans in which the loan is offered us to fixed interest. But is it really an advantage the one that offers us to itself, or simply is it a question of mere propaganda, with trick ingredients, to take advantage of the current existing worry in the current society for the continuous increase of the euribor?

    Let's analyze more thoroughly the question.

   The mortgage loan to fixed interest counts with the advantage of which we will know in advance which that it will be the fixed quota for the whole life of our loan. This one neither will rise nor will go down. The interest increases will not affect us. Nor the descents, with what we will not be able to benefit from these.