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City Finance. What index is better, IRPH or Euribor? It leaves your comments...
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Indexes of Reference of Mortgage Loans

 

 IRPH. Indexes of Reference of Mortgage Loans

 

 

 

 

 

 

 

   IRPH is the corresponding initials to: Indexes of Reference of Mortgage Loans. These indexes are different, and there are a percentage that is used by the financial institutions with that they update the interest rate of the mortgages with variable interest rates. The Bank of Spain publishes monthly all the indexes across an average of the different offers of the mortgage market that have inscribed the banks and savings banks.

   The index most used as reference for the mortgages to variable interest is the Euribor, but there exist others that it is important to know:

- The Euribor: as we say that it is the most well-known and used. It is the index that substituted the Mibor. It is the type to which the financial institutions formalize loans between themselves in the area of the interbank market of the European currency. How is it calculated? The European banks give themselves money between them, then from the offer prices of these loans, the Euribor is calculated. We are speaking about the most important European banks. The Euribor substituted the Mibor and this one is still used, but of exclusive form for the mortgage loans previous to January 1, 2000.

 - MINT: This index has been created by the Spanish Confederacy of the Savings banks. In this case to establish his value or percentage uses two types of values. The personal loans and the mortgage loans formalized in the savings banks. The percentage of MINT will be an average calculated from the types applied to the personal loans with duration of 1 to 3 years and of the types offered in the mortgage loans for the acquisition of a free housing. The extreme values come out in two types utlizados.

- The IRPH: Three forms exist:

               1. - Banks IRPH: the percentage is the average obtained from the average types of interest of the mortgage loans with a term superior to three years that have been granted by the banks during the month.

               2. - Savings banks IRPH: it is calculated just as the previous one but in this case it is a question of the loans formalized in the Savings banks, that is to say, it is the average type of the mortgage loans to more than three years that have been granted by the Savings banks.

               3. - IRPH of the Set of Entities: it is an average of the two previous indexes.

- Also it is possible to use as an index that of Public debt or half-yearly profitability of the bonds of the Treasure.

   As we were commenting that the index most used to index the mortgage loans to variable interest is the Euribor.

   We must know that the financial institutions apply an additional differential. If for example, our bank offers us euribor + 0,50 and the percentage of the euribor is 4,60 the differential will realize the sum of the index more to obtain the interest rate that will be applied. In this case 5,10 since, 4,60 + 0,50 =5,10

 

What index is better to use? The IRPH or the Euribor?

   Generally the value of the IRPH  this one over the Euribor, but since compensation has the advantage of which his oscillation is not so frequent. The experts say that generally the financial institutions have a major disposal to use the Euribor since generally it registers minor fluctuations during the life of the mortgage loan.

   The behavior of the IRPH is softer that that of the Euribor, that is to say, they have slow reactions to increases and lowered, his movements or his oscillations are less sudden. It is less volatile although his value generally is higher than that of the Euribor. On the other hand the differential or margin that is applied to the IRPH, theoretically must be very small or nonexistent.

   Across this graph we can observe the evolution of the different indexes from January, 2000 until July, 2008. 20 of every month the Spanish Bank transfers the information of the previous month.

 

The information and graph of the index Euribor, of the IRPH entities and of MINT from 2006 are:

Months IRPH   Euribor MINT
ene-06 3,591 2,833 4,75
feb-06 3,701 2,914 4,75
sea 06 3,756 3,105 4,75
April 06 3,852 3,221 4,875
May 06 4,048 3,308 4,875
June 06 4,132 3,401 4,875
July 06 4,229 3,539 5,125
ago-06 4,355 3,615 5,375
September 06 4,451 3,715 5,25
October 06 4,562 3,799 5,25
November 06 4,645 3,864 5,25
Dec 06 4,753 3,921 5,125
ene-07 4,811 4,064 5,375
feb-07 4,89 4,094 5,5
sea 07 4,975 4,106 5,5
April 07 5,008 4,253 5,5
May 07 5,092 4,373 5,625
June 07 5,19 4,505 5,625
July 07 5,326 4,564 5,75
ago-07 5,422 4,666 6
September 07 5,497 4,725 6
October 07 5,551 4,607 6,125
November 07 5,585 4,647 6,125
Dec 07 5,562 4,793 6,125
ene-08 5,611 4,498 6,25
feb-08 5,582 4,349 6,25
sea 08 5,404 4,59 6,125
April 08 5,418 4,82 6,125
May 08 5,587 4,994 6,250
June 08 5,794 5,361 6,375
July 08   5,393  

 

 

As we observe in the graph that the current tendency of three indexes is very similar, since the period of time is short (January, 2006 - June, 2007), but the euribor is always below the IRPH and the MINT.

Comparative between Euribor and IRPH from January, 2006 until September, 2007

Here we have the differences between IRPH, Euribor and MINT.

Months Difference Difference Difference
2006-2007  IRPH-Euribor  CECA-IRPH CECA-Euribor
ene-06 0,758 1,159 1,917
feb-06 0,787 1,049 1,836
sea 06 0,651 0,994 1,645
April 06 0,631 1,023 1,654
May 06 0,74 0,827 1,567
June 06 0,731 0,743 1,474
July 06 0,69 0,896 1,586
ago-06 0,74 1,02 1,76
September 06 0,736 0,799 1,535
October 06 0,763 0,688 1,451
November 06 0,781 0,605 1,386
Dec 06 0,832 0,372 1,204
ene-07 0,747 0,564 1,311
feb-07 0,796 0,61 1,406
sea 07 0,869 0,525 1,394
April 07 0,755 0,492 1,247
May 07 0,719 0,533 1,252
June 07 0,685 0,435 1,12
July 07 0,762 0,424 1,186
ago-07 0,756 0,578 1,334
September 07 0,772 0,503 1,275
October 07 0,904 0,574 1,478
November 07 0,978 0,540 1,518
Dec 07 0,769 0,563 1,332
ene-08 1,113 0,639 1,752
feb-08 1,233 0,668 1,901
sea 08 0,814 0,721 1,535
April 08 0,598 0,707 1,305
May 08 0,593 0,663 1,256
June 08 0,433 0,581 1,014

It differs IRPH-Euribor

   The value has always been of the Euribor for under the value of the IRPH. The minor difference between both in this period is 0,433, corresponding to June, 2008.

    In this period (January, 2000 - June, 2008) a mortgage turns out to be more profitable to Euribor + 0,433 that another mortgage to IRPH + 0.

  

It differs CECA-IRPH

   The value has always been of the IRPH for below of the value of MINT. The minor difference between both in this one period is 0,372.

   From January, 2000 up to June, 2008 has always turned out to be more profitable a mortgage to IRPH + 0,37 that another mortgage to MINT + 0.

It differs CECA-Euribor

    Value of the Euribor has always been   below the value of MINT. The minor difference between both in this period is 1,014.

   From January, 2000 up to June, 2008 has always turned out to be more profitable a mortgage to IRPH + 1,014 that another mortgage to MINT + 0.

City Finance It leaves your comments On August 16, 2007
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On Wednesday, February 04, 2009 to 11:46:53 AM PM

       Hello I do not want to be a pessimist, but I believe that when a contract is signed, they cannot begin behind. I suppose that they signed in front of a notary, who observes that they are in full conditions, to be able to sign (the intoxicated state...) with it I do not want to discourage, but we live in a country with bought book, where with the offers avanico elejimos the one that more is convenient for us, or the last exit. if such an UCI does an illegal contract, it is necessary to denounce. It is not necessary to have a collective denunciation. I do not want to be a pessimist. I speak from my deepest ignorance.

Comment number: 412

Name: Anonymous

On Wednesday, February 04, 2009 to 10:26:25 AM PM

       I signed with UCI in October, he knew that it was a trick but no entity was approving the mortgage to me, they say to me that I am not reliable (my couple and I win some 1500 € each one and are fixed), UCI gave me the mortgage but to give me 290000 €, they mortgage three housings of my parents (appraised the three in 850000 €), I am tried surrogarme at all costs since with the IRPH I am giving every month 250 €), I am afraid of quedaarme in the unemployment and to never cut myself off of UCI, I did not want lack I am going to sell no apartment since they are rented they sell to you the roll of which you pay very little until you bandage the apartment, but it is a trick since your debt increases. To my another prostitute gives that they made me the team UCI-Kiron, the fact is that, after signing, they call me to gather the buying and selling writing and which is my surprise when I see that I am not (and those of the loan if), only they appear in the writing my parents (made me enter the operation with my parents to improve supposedly the payment capacity and this is a problem at the time of surrogarme because my parents are major and snags put us), now they are making me a subsanacion of the writing, have admitted that the mistake has belonged to Kiron and that it is not going to cost me anything, but I do not rely already.

Comment number: 411

Name: Javier Herranz Reyes

On Wednesday, February 04, 2009 to 5:32:39 AM PM

       Hello to tod@os: unfortunately the children of p... of uci have us well moored by.... I have just hung on the blog of affected the answer that Ausbanc has given me on what we can do cotra they; I sum NOTHING up to you EXCEPT PRESSURE MEDIATICA. why they have the laws of his part, we all are adult and we know or we should know what we have signed........ THIEVING USURERS CHILDREN OF.....

Comment number: 410

Name: javier

On Wednesday, February 04, 2009 to 4:43:52 AM PM

       New message of the journalist Elsa Llorente Soy Elsa, News journalist Four. We still continue with the reportage of UCI and his mortgage credits. We are going to pull for alante but I need that you throw a hand to me counting your case. Not where do you live, we have the Sogecalbe head office in Three Singings (Madrid), asique if you live in this community will be able to go I where you say to me to do a small interview to you. If not, we have delegations in the whole Spain, for what some partner would go. The interview is simply so that you tell us the complaints that you have with UCI, which do not allow to change IRPH to Euribor and all that, because they deny it. If you can order me your telephone number and we speak. elsa.llorente@gmail.com Thank you very much, a greeting. Elsa Llorente Noticias Four, CNN + PORFAVOR TO GET IN TOUCH AND DO NOT BE AFRAID THAT TOGETHER ANY MORE FORCE AND YOU WILL DO SOYS MORE.

Comment number: 409

Name: Ann

On Wednesday, February 04, 2009 to 3:21:37 AM PM

       If we all us hechasemos on the banks and all the Spanish were going out to the street saying that we are not going to pay, cagaban paws below, I am not going to say what I think, but if some day tubiese money was putting it earlier under the mattress before putting it in the bank.

Comment number: 408

Name: Ann

On Wednesday, February 04, 2009 to 1:14:54 AM PM

       hello, ami I have left for paying a mortgage of 132000euros, and I her have with i.r.p.hactualmente payment l month; 773 euros, the review me tca in May: will the quota lower me or not? thank you

Comment number: 407

Name: jose blacksmiths perez

On Wednesday, February 04, 2009 to 0:32:47 PM PM

       Very well, I ordered an e-mail to elsa, journalist of four (or he says that) and this is his restored one. It leaves his number of mobile, who interests in calling it, since easy it has it. I am Elsa, journalist of News Four. We still continue with the reportage of UCI and his mortgage credits. We are going to pull for alante but I need that you throw a hand to me counting your case. Not where do you live, we have the Sogecalbe head office in Three Singings (Madrid), asique if you live in this community will be able to go I where you say to me to do a small interview to you. If not, we have delegations in the whole Spain, for what some partner would go. The interview is simply so that you tell us the complaints that you have with UCI, which do not allow to change IRPH to Euribor and all that, because they deny it. If you can order me your telephone number and we speak, or call me 620145184.

Comment number: 406

Name: miguel

On Wednesday, February 04, 2009 to 9:17:18 AM AM

       If we all us hechasemos on the banks and all the Spanish were going out to the street saying that we are not going to pay, cagaban paws below, I am not going to say what I think, but if some day tubiese money was putting it earlier under the mattress before putting it in the bank.

Comment number: 405

Name: Ann

On Wednesday, February 04, 2009 to 8:25:25 AM AM

       Hello all, I Am different cheated by Uci and the irph. When it should hire my mortgage with them, they did not say to me either that it was going to have irph, I thought that tapeworm euribor, until I take the letter with the review and the quota with the deep correspondent. I have been investigating round there and with the amount of my mortgage in other banks with euribor I would pay approximately 300 € less, the sorrow is that at the moment, I cannot change to any, because I have remained in unemployment and only my couple works. Because that one is different that the banks are a liars' band that they have taken the money of the government, but they do not want to give credits. I meet persons with two payrolls grades and fixed work and they do not give them anything, I hope they begin giving credits at once. Because since I manage to change they are going to give to Uci and to his irph. Perhaps my experience serves to you as something.

Comment number: 404

Name: Maria

On Tuesday, February 03, 2009 to 9:54:05 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 403

Name: beatriz

On Tuesday, February 03, 2009 to 9:26:06 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 402

Name: beatriz

On Tuesday, February 03, 2009 to 9:24:01 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 401

Name: beatriz

On Tuesday, February 03, 2009 to 9:17:45 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 400

Name: beatriz

On Tuesday, February 03, 2009 to 9:14:40 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 399

Name: beatriz

On Tuesday, February 03, 2009 to 9:06:17 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 398

Name: beatriz

On Tuesday, February 03, 2009 to 9:03:50 AM PM

       Beatriz, I found out that I was irph, because, before remaining in the unemployment in November, I asked in another bank to spend the mortgage to me, since in super - uci, I have it so that the first 60 months alone I pay interest, and wanted to pay also capital. then I took an uci receipt to this bank and they were they those who said to me that it had it by means of irph, and that I was entrusting to myself to all the saints. unfortunately now I am unemployed and if it nominates already cannot change it, and when they said to me the day of the signature, that he was going to pay according to the irph, I thought that I was another way of calling the euribor, but with terms.... bank. that happens for linnets. amen!

Comment number: 397

Name: miguel

On Tuesday, February 03, 2009 to 8:56:46 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 396

Name: beatriz

On Tuesday, February 03, 2009 to 8:50:54 AM PM

       when I bought it to myself, I said to them that he was paying car, which if they me it could put in the letter of the apartment, me digeron that porsupuesto!! bring to me a receipt of the car and we will dismiss where you are paying it now it to you and so we put it to you in the receipt of the apartment. when the month comes of receiving the letter of the apartment from him, that certainly, the letters a were going out for me 730 euros and the first one came to me of 1006, me digeron that was for balancing..... well to what I go, that comes to me the letter of the apartment and on the following week that of the male prostitute car. I call to service postsale, ask for the phone of the TV/radio commercial that had taken the whole matter, and call him. I say to him of staying in the real estate agency where we had been doing the paperwork before signing and he says to me that not, that they have already sold to me the apartment and to this real estate agency it does not have to go to anything that was to the offices of valency where I signed, and I said to him that not, that I wanted that the proprietor of the real estate agency was ahead so that he was listening to what he had to say to him. whole, that we meet there, and I say to him, you asked me for the letter of the car it was put in the mortgage and sight by the putada that you have done to me, and he says to me: we have done enough in spite of giving you the loan, now already with that thing about the car cannot do anything to itself. I am not going to say to you everything what I said to him, because me calientooooo and it is not a plan. that one one of so many people is eh.... only one.

Comment number: 395

Name: miguel

On Tuesday, February 03, 2009 to 8:50:38 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 394

Name: beatriz

On Tuesday, February 03, 2009 to 8:29:13 AM PM

       uci the biggest thieves as it is explained that q to the whole world I lowered the mortgage less to q we are the inombrables and into top we cannot change the drones to ourselves usurers malnacidos it is supposed q a notary has to you q to warn of all his trejemanejes since q it was in the signature of my mortgage it is a cabronazooo and tomorrow I will give his information for h.p. someone must do something with these h of p. q they have us cheated to all

Comment number: 393

Name: maria

On Tuesday, February 03, 2009 to 8:06:03 AM PM

       teresa grace look for for me that at many grace here is a friend for what you it was giving many grace

Comment number: 392

Name: IT COVERS WITH STARS

On Tuesday, February 03, 2009 to 8:02:12 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 391

Name: beatriz

On Tuesday, February 03, 2009 to 7:54:57 AM PM

       hello we all, other one affected more that it joins you, looking for information about as this one the famous person irph comes across me with this page and scared have had left, in my quarter the majority they are with uci since it was the only one that was providing the credits with which here they have I throw the business, I when he signs the credit never they commented to me which the index of reference and it was me who was not also going to be preguntè since the euribor knew only, my surprise was capital when they sent to me the first note and there I was the whole cake anyway that they are a few thieves and liars. certainly do not I however much I look at the conditions of the credit think for any side that the reference index is the irph, where it puts it?

Comment number: 390

Name: beatriz

On Tuesday, February 03, 2009 to 7:09:30 AM PM

       Basically we complain about that at the time of signing, the irph was the best thing that could happen to us in the life and UCI he was our savior!!! and prove that it agrees are they happening the months, we realize that the irph is a trick and these prostitute's children of uci, they put the irph to us for the eyes knowing what it was going to spend, but this is not the worst thing.... that goes... the worst thing is that they refuse to help, refuse that the people could eat, you call and they do not do to you not male prostitute married, you have signed? since you lump it, this is what exists. AND NOBODY IN EAST COUNTRY OF SHIT, HAS BALLS TO STOP THE FEET TO THIS RIFFRAFF. I believe that I have been the sufficiently clear thing, it is what it spends when someone goes out defending the position of the banks, or in this case, from a financier full of thieves. I have said.

Comment number: 389

Name: miguel

On Tuesday, February 03, 2009 to 6:56:39 AM PM

       ALL against UCI already

Comment number: 388

Name: Natalia

On Tuesday, February 03, 2009 to 5:02:34 AM PM

       Dear rené, I do not know if you devote yourself to the banking or your work this relicionado with the banking, but for your way of speaking and of explaining yourself it me smells that yes, you do not put to us for idiots to those of this forum that there are certain things that we know in abundance and are not necessary that they remind it to us as if we were small children, as for example that the IRPH always goes with something of delay with regard to the euribor and that a point always goes more or less over this one, our complaints and protests do not come round there, our complaints go and if you belong to the union of the banking you should understand it and understand it is that at this point of year the euribor this one to 2,6 and supposing that the IRPH remains in more that probable 5,5, the differential between one and other is going to be in a shameless and shamefaced one +3 %!!! SINCE WE ARE NOT GOING TO PROTEST AND TO BE INFURIATED BEFORE SIMILAR THEFT AND ARMED ROBBERY TO ARMED HAND, ALOMEJOR DOES NOT MATTER TO YOU TO PAY A FORTUNE OF DIFFERENCE BETWEEN A TYPE AND OTHER BECAUSE YOU ARE LUCKY TO HAVE A MORTGAGE WITH A DECENT EURIBOR, BUT MOST OF THAT WE ARE HERE HAVE FIXED IT TO US WITH THE IRPH WITH THE CORRESPONDING DIFFERENTIAL, AND AS THE MONEY DOES NOT REMAIN US AND WE WANT TO LIVE IN A DECENT WAY AND NOT THAT ARE EXPLOITING US AND DROWNING AS TO THE SLAVES OF THE MIDDLE AGE, SINCE WE REVEAL OURSELVES AND PROTEST WHAT IT IS NECESSARY TO HAVE AND WHERE IT NEEDS!!!. Certainly, is another small complaint the absence of transparence at the time of establishing this index since it does not have such a controlled and exhaustive official regulation that the euribor has, does it give us the sensation that it is a much more opaque index and that it is regulated to the order and capricious criterion of those of the boxes and they put the type that they are interested in, and if he does not verify in these months behind to have when there has been such a high differential of 3 points, I hope that you should have had left clear, ok?

Comment number: 387

Name: alberto

On Tuesday, February 03, 2009 to 4:27:16 AM PM

       Good afternoon. I am reading the comments that you have left in this forum and I do not stop understanding what it spends. 1. The mortgages only update the reference when there is fulfilled the term agreed in the contract (annual, half-yearly review, etc...). 2. The IRPH, as they have already explained to you in the same web, it usually has a gap of 2 months I concern the euribor, therefore the descents will begin to be evident from now on. 3. The IRPH is an official reference. It does not have anything of esatfa or illegally (depending on the moment, an IRPH can be cheaper than, for example an Eur+0,5). I request you take advice better before tackling no type of action.

Comment number: 386

Name: rené

On Tuesday, February 03, 2009 to 3:55:02 AM PM

       Hello It Covers with stars, I have checked the list of members and believe that yes you have been right in it, there is a Star of the 30th and must be you, OK

Comment number: 385

Name: Teresa

On Tuesday, February 03, 2009 to 3:16:47 AM PM

       hello to all, I see your comments, I also and fallen down in the uci pitfall, and now on having seen this, I have just realized. today I have received their letter dnd they say to me that q my monthly letter will raise 40 € more than he was paying till now. I take one year with them and already 130 has raised me €. and my question is, if in the TV they announce every day q the interest rates they are going down. pq irph does it keep on rising? I do not understand it. xfavor I need q someone advises me.

Comment number: 384

Name: leticia

On Tuesday, February 03, 2009 to 3:06:38 AM PM

       Since all the comments realized against U.C.I. are correct, since now when we all are in the same conditions and somo many the defrauded ones by this Entity, I propose to join us and go to visit the Person in charge or the principal Thief to make to respect our rights, and denounce to the mass media. I leave my mail edilberto_suarez@hotmail.com. Every month they happen rapidly and it is necessary to pay. ALREADY LET'S STOP THIS.

Comment number: 383

Name: Edilberto Suarez

On Tuesday, February 03, 2009 to 11:40:24 AM AM

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

Comment number: 382

Name: JoVi

On Tuesday, February 03, 2009 to 11:26:21 AM AM

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

Comment number: 381

Name: JoVi

On Monday, February 02, 2009 to 8:17:01 AM PM

       hello teresa I have entered and have registered but not as it goes that alone sends me aimel but not if I am well pointed grace can help me....

Comment number: 380

Name: IT COVERS WITH STARS

On Monday, February 02, 2009 to 2:28:04 AM PM

       Hello partners, to enter in h t t p (without spaces) ://groups.google.es/group/queremos-el-euribor? to register and to join to the group, every time we are more

Comment number: 379

Name: Teresa

On Monday, February 02, 2009 to 1:58:01 AM PM

       Hello to all, my case is similar to all that describren here. I have been looking at the evolution of the irph... without comments. While the money that the BCE there ask boxes and banks to is to 2,5 % they apply, in my case, 6,34 % + 0,1. But in fact it is 2,5+3,95 %. I have already complained to my entity and have mentioned to them that it is an abuse. I believe that they claim that we pay his bad financial negotiations. Then fardan that the Spanish financial system is the most robust... jajaja. Now mismito I send to Elsa another message.

Comment number: 378

Name: Quim

On Monday, February 02, 2009 to 11:28:17 AM AM

       Hello, I also have ordered the e-mail to the journalist, to see that it happens...., they have checked me in January and the mortgage has raised 60 euros to me, it is not great but it gives me courage that has not gone down as in case of the euribor. Anyway, that we are going to do to him. I have requested to change the mortgage with another entity, but I do not have a lot of hopes. I hope let's obtain something.

Comment number: 377

Name: Esther

On Sunday, February 01, 2009 to 10:40:28 AM PM

       we also were cheated by UCI it seems that they use the same swindle method, the heel the loan the note.es david's struggle against giant is very well lodel sms, lode the journalist but the best thing is to operate all together to denounce them before consumption for swindle continued.Yo I want to sell this nightmare of house but UCI mela appraise with VALTECNIC and inflate the price of the apartment. I her appraised not long ago and under the price one. heap with another valuator.Enfin that if I sell it I continue owing money to myself alos swindlers to 30 years.Yano m nadae costs neither the IRPH nor the EURIBOR as this one the situation everything is going to rise let's not be visionaries time to the time. I am going to write wing journalist contal of that these usurers sit shame that before apartment I prefer to eat and sleep calmly

Comment number: 376

Name: other defrauded

On Sunday, February 01, 2009 to 9:45:42 AM PM

       ATTENTION, FOR THAT THEY ARE WITH THE UCI, THE JOURNALIST OF FOUR HAS TURNED TO COMMUNICATE with ME MESSAGE LEFT EAST TO YOU, I ASK YOU FOR PORFAVOR THAT YOU SHOULD NOT WRITE MESSAGES SO THAT IT IS GOOD NEWS DO NOT STAY BEHIND AND THE PEOPLE COULD DO ECHO OF EAST TO HERSELF MESSAGE: Hello to all. First thank you very much for answering to my claim. In the first moment my request was to do a reportage on the topic of the IRPH, but which has been our surprise that you are great those that you are writing to us with complaints towards UCI. The truth is that neither I nor my partners we knew of the existence of this organism, not of his modus operandi. We would like going deep more into the topic because, really, I have read really scandalous cases. It cannot be that there are the people who cheats those who love to buy a housing, and it is something that it is necessary to denounce. My way of helping you from mass communication media is this one. If it does not matter for you I would like speaking with you. That I have already done it with some, but if you were ordering me a mail with your phone and telling me what problems you have with UCI we might extract the news as soon as possible. Of course, if you meet more affected someone it mention and that it should get in touch with me also. I wait for your answers. Thank you very much in advance. A greeting, Elsa Llorente Noticias Cuatro. THE MAIL TO WHICH YOU HAVE TO WRITE AND LEAVE YOUR INFORMATION IS: elsa.llorente@gmail.com

Comment number: 375

Name: Ann

On Sunday, February 01, 2009 to 7:17:33 AM PM

       We also have been defrauded by UCI, only they do that the cord to put itself to the neck. We join your complaints and to see that we can do. Only they do that to order us his notes to warn us that the mortgage raises us, that we sell urgently the old apartment because if not even it raises us more and we go, that will follow us rising and that we pay without rechistar.

Comment number: 374

Name: Cristina

On Sunday, February 01, 2009 to 6:54:09 AM PM

       It seems that except anyone, you do not realize the matter YET: We are the MODERN SLAVES of a Political system that allows to a few INTERMEDIARIES, as there are the Banks and Boxes, TO EXPLOIT the people, gaining ENORMOUS sums of money at the cost of the mortgaged ones. The Government, apart from being in his hands, for needing who finances his political campaigns to cheat us more and better, LIMITS ITSELF to receiving his part of the swindle, in the shape of valuations and taxes. The rest, or the luck of the slaves, IMPORTS A GüEVO for HIM. If our misfortune was mattering for them a little, THEY WOULD FORCE for Law to that the INTERMEDIARY USURERS of the Banking, agreed to what is called a NOVATION, or to negotiate with the just expenses, the future and present of our debt. The System is in hands of the BANKING.!! NATIONALIZATION OF THE BANKING, ALREADY!! That is the Spanish Bank, who WITH THE DINEROS OF THE SPANISH, finances the credits of the Spanish; While. . Booty and Company, they hoard THOUSANDS OF MILLION EUROS at the cost of our work, and at the cost of our future and that of our children.!!! IT IS ENOUGH ALREADY!!!

Comment number: 373

Name: andres sources ramírez

On Sunday, February 01, 2009 to 6:51:56 AM PM

       THAT NOBODY DOES MORTGAGES WITH UCI. THEY ARE SWINDLERS....

Comment number: 372

Name: JAIME

On Sunday, February 01, 2009 to 3:13:38 AM PM

       hello to all, does anybody know if the irph has gone down a little? it is that and they said q on January 31 I would go out published but I have not seen anything, if you bring in yourselves of anything order a mensajito please, I also and I am going to join to that thing about elsa, thank you a greeting

Comment number: 371

Name: maria

On Sunday, February 01, 2009 to 2:26:15 AM PM

       hello ami and to re-repeated already that is to say I either I have to pay 977euros that is to say that when they check it to me in August can lower me or raise me again can say it to me someone what it can spend to me if it lowers me or raises to me in August to help

Comment number: 370

Name: IT COVERS WITH STARS

On Sunday, February 01, 2009 to 7:29:40 AM AM

       I spoke already with uci and they said to me ke to check in April, they take refuge to how is life in March, the ke I do not know it is as I have the difference, I it have ke to look. greetings and fortitude, ke the blood is not worth warming up.

Comment number: 369

Name: miguel

On Sunday, February 01, 2009 to 0:08:08 PM AM

       after having investigated for many places llege to the conclusion that more or less Miguel.pero is like that in your case the review, you have it in April dye that to see if your bank takes to you the index of March or February this according to the bank, if it is in February would be on 4,5. good and separate that the difference of each one does not mention earlier this one mine is 0,10 but as I see for the forums someone it has to a 1 that the truth of course that it is to call the one whom it is necessary to have the banks they all are his equal ones they do not give anything alone you can come to an agreement with them if you do not pay earlier they were remaining with your apartment but now they have so many people that only want money and prefer areglarte the quota before remaining with your apartment. of course the alone arrangement if you stop paying if do not forget. those who had to grant the credits it is the bank of Spain with a reasonable interest for all, but not what they do is to leave our money to them with interest 0 so that they leave it to us to the interest that goes out for them of....... well I leave to you that lla I warm up

Comment number: 368

Name: Rafa

On Saturday, January 31, 2009 to 8:38:41 AM PM

       so if it is as you say RAFA, I am paying 6.34 %, it is the review that I have from October. I have the next one in April, if in March it will be as you say, being about 3 ´8 %, it is almost half of what I pay now, that are a 1022, if you say to me that bearing in mind that I have the review in April, in May I am going to pay 550 or 600 euros, you make me a father!! greetings. and I hope that your "prediction" should be fulfilled

Comment number: 367

Name: miguel

On Saturday, January 31, 2009 to 8:12:44 AM PM

       IT NOTICES: we are going to see the irph of every month 1 goes out of the average of the euribor of the three previous months +. ejem: the January irph extracts of the medeia of the euribor of nobiembre October and December more a punto.probad with the last months and you will see as cumple.a if that from now on has to be quite lowered. to I give it for January 5,4 and for the tendency of the euribor for February 4,5 and March 3,8 try you. then knowing that the review is done by the irph of two or three months previous to the signature of the mortgage, the jente that is checking now this one in the highest euribor levels. when will we be the level of the euribor? since according to my calculations those that they check from May they already will notice the big descent. we are late approximately three months in coming at his low levels but also we are late in low levels come asus. ask about all that raised the mortgage to them to those who checked with the euribor 5,3. with all this I also plunge to your complaints the banks they are some ladrones.rafa976@hotmail.es

Comment number: 366

Name: Rafa

On Saturday, January 31, 2009 to 5:09:08 AM PM

       they should investigate them, close the refreshment stall to them, present in a court our letters you pay from the first day so that they see as they have been rising and as they have never lowered us while they lower them to the whole world that has the euribor, and that will indemnify us.

Comment number: 365

Name: miguel

On Saturday, January 31, 2009 to 5:05:26 AM PM

       If we all have read that thing about the journalist of four, I have already ordered him a mail with my case, but nevertheless, believe that the idea of the sms to antena3 is a good idea, a fair amount of sms denouncing the same, I hope this way they extract the topic to be re-shown and come to ears of this robbers' fistful to armed hand!! do they have to pay on the 1st?? I charge on the 10th of the unemployment, I remained in unemployment three months ago, said it to those of uci so that they should throw a hand to me with my 1022 turkeys of mortgage, of which I started by paying two years ago 710, and they have not done to me NOT MALE PROSTITUTE MARRIED. to undirles between all since it is.

Comment number: 364

Name: miguel

On Saturday, January 31, 2009 to 4:30:32 AM PM

       Of course my mortgage with UCI, already I have sent to elsa a mail to put my sand granite. A greeting

Comment number: 363

Name: Raquel

On Saturday, January 31, 2009 to 4:28:21 AM PM

       Of course my mortgage with UCI, already I have sent to elsa a mail to put my sand granite. A greeting

Comment number: 362

Name: Raquel

On Saturday, January 31, 2009 to 4:27:30 AM PM

       Continues the previous comment How many you have problems in the linkage to the group of google, to prove ésto other: To enter google, to write in the window: we want the euribor. To choose in the top menu: more and then Groups and when the following page is opened, to sting in the button: To look in the groups.

Comment number: 361

Name: ANTONIO

On Saturday, January 31, 2009 to 4:20:34 AM PM

       HELLO TO ALL, TWO THINGS: In FOUR they are trying to get in touch with us. The journalist ELSA WEEP FOR YOU one wants to communicate with all the affected ones by UCI. to send to him an email with your case and your telephone number to elsa.llorente@gmail.com, they want to study the cases very thoroughly and do a macroreportage. In another thing order: UCI is sending letters forcing to which we pay the quota on the 1st of every month instead of the 5th. That is illegal. This is not what we sign in the mortgage. As well as many we have not received the payroll a 1st. The legal thing would be that each one was signing particular conditions but they refuse to that: or all or none. You have all the information in the group of google we want the euribor.

Comment number: 360

Name: ANTONIO

On Saturday, January 31, 2009 to 4:16:59 AM PM

       This is untenable, my mortgage started by 630 and it goes already for 920 I have 3 children certainly it is punishable. I feel cheated. WITHOUT SHAMES:

Comment number: 359

Name: Raquel

On Saturday, January 31, 2009 to 4:14:34 AM PM

       g

Comment number: 358

Name: to

On Saturday, January 31, 2009 to 2:57:04 AM PM

       It seems that you do not read the messages Elsa Llorente journalist of four estábuscando persons affected by the UCI it to help them to denounce. Hello to all. First thank you very much for answering to my claim. In the first moment my request was to do a reportage on the topic of the IRPH, but which has been our surprise that you are great those that you are writing to us with complaints towards UCI. The truth is that neither I nor my partners we knew of the existence of this organism, not of his modus operandi. We would like going deep more into the topic because, really, I have read really scandalous cases. It cannot be that there are the people who cheats those who love to buy a housing, and it is something that it is necessary to denounce. My way of helping you from mass communication media is this one. If it does not matter for you I would like speaking with you. That I have already done it with some, but if you were ordering me a mail with your phone and telling me what problems you have with UCI we might extract the news as soon as possible. Of course, if you meet more affected someone it mention and that it should get in touch with me also. I wait for your answers. Thank you very much in advance. A greeting, Elsa Llorente Noticias Cuatro. THE MAIL TO WHICH YOU HAVE TO WRITE AND LEAVE YOUR INFORMATION IS: elsa.llorente@gmail.com PORFAVOR TO MOVE THAT IT IS NOT A PRANK TO COMMUNICATE YOU WITH HER.

Comment number: 357

Name: Ann

On Saturday, January 31, 2009 to 2:34:11 AM PM

       HELLO JOSE MIGUEL SPENT TO YOU THE SAME AS AMI AND I UNDERSTAND YOU BUT IF WE UNIMO QUITE PERHAPS DO A LITTLE AND YOUR BANK IS THE SAME THAT MINE THE SANTANDER AND IT IS A SHIT OF BANK EVERYTHING IS PROBLEA AND IT EXTRACTS MONEY THE BANK AND UCI.......

Comment number: 356

Name: IT COVERS WITH STARS

On Saturday, January 31, 2009 to 2:30:41 AM PM

       I propose something to you: From Monday until Friday from 9 a.m. in antena3, they do the program of public mirror presented by susana griso. In the course of this program, the people can be in charge sms and give his opinion about any topic. My proposal is, that of 9:30 to 10:00, all those that we prune, we order a sms to this program, sms that there see both the proper journalists and of course the persons who are at home. A sms denouncing to this riffraff that they are those of uci. I suppose that a topic about which they have never spoken and nobody has commented to the being in this program ever, it will shock them to see so many sms speaking about the same company and about the gulfs that are. Let's see if we begin moving masses. There I leave the idea, so that each one does what it creates suitably. a greeting.

Comment number: 355

Name: miguel

On Saturday, January 31, 2009 to 2:25:54 AM PM

       Good I bought to myself an apartment in the summer of 2007 for mediation of a real estate agency which managed with the bank his Santander the mortgage. To the time I realize that UCI is put of by way and that the bank Santander is it was not doing anything, I started by paying 920 euros and now when better is the thing of the mortgages I am already paying 1216 euros thanks to my IRPH which they never notified me that it was going to be the value by which my mortgage was going to be ruled for what I believed that I would be the Euribor. So after this one to the complaint and here against the UCI thieves and here my email left me for future negotiations against them expostron@yahoo.es. A greeting and credit that it spends.

Comment number: 354

Name: Jose Miguel

On Saturday, January 31, 2009 to 2:23:11 AM PM

       ATTENTION, FOR THAT THEY ARE WITH THE UCI, THE JOURNALIST OF FOUR HAS TURNED TO COMMUNICATE with ME MESSAGE LEFT EAST TO YOU, I ASK YOU FOR PORFAVOR THAT YOU SHOULD NOT WRITE MESSAGES SO THAT IT IS GOOD NEWS DO NOT STAY BEHIND AND THE PEOPLE COULD DO ECHO OF EAST TO HERSELF MESSAGE: Hello to all. First thank you very much for answering to my claim. In the first moment my request was to do a reportage on the topic of the IRPH, but which has been our surprise that you are great those that you are writing to us with complaints towards UCI. The truth is that neither I nor my partners we knew of the existence of this organism, not of his modus operandi. We would like going deep more into the topic because, really, I have read really scandalous cases. It cannot be that there are the people who cheats those who love to buy a housing, and it is something that it is necessary to denounce. My way of helping you from mass communication media is this one. If it does not matter for you I would like speaking with you. That I have already done it with some, but if you were ordering me a mail with your phone and telling me what problems you have with UCI we might extract the news as soon as possible. Of course, if you meet more affected someone it mention and that it should get in touch with me also. I wait for your answers. Thank you very much in advance. A greeting, Elsa Llorente Noticias Cuatro. THE MAIL TO WHICH YOU HAVE TO WRITE AND LEAVE YOUR INFORMATION IS: elsa.llorente@gmail.com

Comment number: 353

Name: miguel

On Saturday, January 31, 2009 to 0:45:26 PM PM

       I have a mortgage with the European IRPH. you prop I have it as a financier. want to say to you that please you should not go away to a financier because it you goes to ruin. I kiero to change to the euribor... hope to be lucky. the gold and the Moor promises any of the financiers, later it gives you the dive of 15 asinque cojer this advice. financiers not yollevo 4 years fighting to solve my problem... hoped to be lucky a greeting to all

Comment number: 352

Name: Anonymous

On Saturday, January 31, 2009 to 11:13:05 AM AM

       Good, since the bolg of all against the euribor gives some problem I give you a solution enter on this web page and you will be able to register without problems: http: //solomisamiguitos.es.tl/foro/index.htm Here you will find a dicado forum to the affected ones by the UCI

Comment number: 351

Name: Ann

On Saturday, January 31, 2009 to 10:51:28 AM AM

       Good, since the bolg of all against the euribor gives some problem I give you a solution enter on this web page and you will be able to register without problems: http: //solomisamiguitos.es.tl/foro/index.htm Here you will find a dicado forum to the affected ones by the UCI

Comment number: 350

Name: Ann

On Saturday, January 31, 2009 to 7:54:09 AM AM

       the topic of the irph estaclaro queno bahacanbiar lagran defrauds wing queestan submitted all the affected ones. he coanswers to the government to solve it. for quepareesto of unabes.esijiendoles alos bacos and boxes. the problem is that with the hundreds of thousands of pesetas that ledebe the socialistic party there are the banks and loans boxes consedidos asu divided for his canpañas electorales.senas.primas.dietas.esetera............ lohunico that puede.hacer is not at all such a comosuena noballahaser that him esijan delos we give the payments quele are aplasando muhi friendly asu divided the banks and boxes which nongive five-peseta coins there are four pesetas

Comment number: 349

Name: manuel

On Saturday, January 31, 2009 to 7:52:03 AM AM

       HELLO FRIEND I HAVE PUT MYSELF IN THE WEB PAGUINA BUT I DO NOT KNOW THAT EU HAPPENS TO HIM LET'S NOT SAY TO MYSELF TO SEND MESSAGE, AND I DO NOT KNOW HOW IT GOES AND I AM AFESTADA FOR THAT THING ABOUT UCI THAT ARE A FEW LADRONE AND WHAT IT HAS TO DO IS THE FACT IS THAT IT DENOUNCES IT TO SEE THAT WE DO..... GRACE

Comment number: 348

Name: IT COVERS WITH STARS

On Friday, January 30, 2009 to 10:43:49 AM PM

       ATTENTION, FOR THAT THEY ARE WITH THE UCI, THE JOURNALIST OF FOUR HAS TURNED TO COMMUNICATE with ME MESSAGE LEFT EAST TO YOU, I ASK YOU FOR PORFAVOR THAT YOU SHOULD NOT WRITE MESSAGES SO THAT IT IS GOOD NEWS DO NOT STAY BEHIND AND THE PEOPLE COULD DO ECHO OF EAST TO HERSELF MESSAGE: Hello to all. First thank you very much for answering to my claim. In the first moment my request was to do a reportage on the topic of the IRPH, but which has been our surprise that you are great those that you are writing to us with complaints towards UCI. The truth is that neither I nor my partners we knew of the existence of this organism, not of his modus operandi. We would like going deep more into the topic because, really, I have read really scandalous cases. It cannot be that there are the people who cheats those who love to buy a housing, and it is something that it is necessary to denounce. My way of helping you from mass communication media is this one. If it does not matter for you I would like speaking with you. That I have already done it with some, but if you were ordering me a mail with your phone and telling me what problems you have with UCI we might extract the news as soon as possible. Of course, if you meet more affected someone it mention and that it should get in touch with me also. I wait for your answers. Thank you very much in advance. A greeting, Elsa Llorente Noticias Cuatro. THE MAIL TO WHICH YOU HAVE TO WRITE AND LEAVE YOUR INFORMATION IS: elsa.llorente@gmail.com

Comment number: 347

Name: Ann

On Friday, January 30, 2009 to 9:39:46 AM PM

       I have some problems to be able to answer and begin some topic in the forum that you have opened deliberately for the occasion. my name in this forum is "anti-uci" but we go... I will keep on putting here my opinions, you already know that you can be provided with me although it could not postear in another place. anyway, that to this riffraff it is necessary to stop the feet, or not. greetings.

Comment number: 346

Name: miguel

On Friday, January 30, 2009 to 9:09:05 AM PM

       Him turn that you give to him, the BIG BANKING has put in the pocket the politicians, of the color that there are. So a big part of Spanish, has had to suffer the CRIMINAL REAL ESTATE SPECULATION, which forced us to sign our judgment for the whole life, and above THEY CHEATED US so that we were taking the IRPH. If the Government really was looking over the Spanish, it would have intervened in due time to avoid the REAL ESTATE ARMED ROBBERY. It did not do it. If the Government, really he was looking over the well-being of the Spanish and the JUSTICE, IT WOULD FORCE FOR LAW that the banking institutions will accept THE NOVATION. Thus, it might negotiate the interest rates, period, etc, with reasonable expenses. But it is not like that. The Caixa, for example, and other boxes, they keep on cheating to the personnel and REFUSING bluntly to any novation, because THEY would stop EXPLOITING US as at present they do it. It is a question of the State, and no immersed political party in the System, HE WILL ARRANGE IT. But qu remember that in the History, the big revolutions ALWAYS started by abuses in exactions, taxes and BANK USURIES. That remember it...

Comment number: 345

Name: andres sources ramirez

On Friday, January 30, 2009 to 4:53:10 AM PM

       Hello partners do you have to enter in h t t p (without spaces) ://groups.google.es/group/queremos-el-euribor? to put to be direction in the navigator and that looks. Once there you have to register, on the same page he explains lamanera of doing it. To achieve something we must join all there. My direction is set075@uahoo.es

Comment number: 344

Name: Teresa

On Friday, January 30, 2009 to 4:35:47 AM PM

       I TB AM DECUARDO WITH THAT THING ABOUT UCI TO MY TB ME TO DEEP THIS MONTH AND AM NOT DEACUERDO I HAVE IRPH AND ME TO RAISED TO HELP ME FRIENDS

Comment number: 343

Name: IT COVERS WITH STARS

On Friday, January 30, 2009 to 2:59:16 AM PM

       To us to past the same that, of what the rebición was paying 720 €, then 1095 €, now in this February to raised 7.08 %, and I have to pay 1259,41 to all €, my wife and I we are deseperados I would like joining you mael24@wanadoo.es

Comment number: 342

Name: ruben

On Friday, January 30, 2009 to 9:46:06 AM AM

       Greetings Silvia, every day that I read the comments of this forum I remain more amazed at the quantity of financial misconducts that have played these uci scoundrels to us, every personal case they have a few all kinds aberrations, that if we all had enough juridical knowledge and had denounced them on time we had put to them such a quantity of suits that had had to close long ago for thieves and scoundrels and they might not have kept on cheating the people, only I hope that from here on the people of account of the class of riffraff that they are, and that those that we already suffer let's make to cover the voice and that NOBODY ALBSOLUTAMENTE NOBODY!!! it sign a mortgage garbage return with this riffraff as it has happened to us to nosostros, it hurts that the mass media do not pay attention to us because I do not believe that there are many companies in this country that has such a quantity of discontented clients and denunciations interposed by sausages.

Comment number: 341

Name: alberto

On Friday, January 30, 2009 to 8:25:48 AM AM

       Hello partners, me one to this forum because I am in the very same situation, I mention to you on my case, my husband and I we buy to ourselves in 2005 a house across a real estate agency, this real estate agency later I have found out that the one that put us the mortgage as the eyes has family that works for uci, anyway, that we start by paying 936 euros and to today we are paying the fortune for 1730 euros, and only of interests, because I have 5 years of lack. I have got tired of calling them so that they were giving me a solution and power to lower the quota, and to keep on paying religiously my letters, but his only answer is that only they leave that the one who remains in the unemployment for 6 months they do not pay the letters, I hope that the people of account of what that later bears, anyway that his answer is that what I have in the writing is with what I have to keep back, in addition, I have double guarantee, that is to say, the guarantee of the house of my in-laws, for what if I was stopping paying, they would put hand round there, thing that does grace not even pinch to me, in addition to all this, now that I am trying to replace with myself with other banks is when I am finding out about the big dirty trick that exists to me I begin in the writing, like opening personal credits to me (thing of the one that I did not have does not even design), to grant the mortgage to me. I am driven to despair, already not what to do, because they have us caught by all sides, in the only thing that I think is in the damned day in which that of the real estate agency put us in this fuss of very good words.

Comment number: 340

Name: silvia

On Friday, January 30, 2009 to 8:19:17 AM AM

       Hello partners, me one to this forum because I am in the very same situation, I mention to you on my case, my husband and I we buy to ourselves in 2005 a house across a real estate agency, this real estate agency later I have found out that the one that put us the mortgage as the eyes has family that works for uci, anyway, that we start by paying 936 euros and to today we are paying the fortune for 1730 euros, and only of interests, because I have 5 years of lack. I have got tired of calling them so that they were giving me a solution and power to lower the quota, and to keep on paying religiously my letters, but his only answer is that only they leave that the one who remains in the unemployment for 6 months they do not pay the letters, I hope that the people of account of what that later bears, anyway that his answer is that what I have in the writing is with what I have to keep back, in addition, I have double guarantee, that is to say, the guarantee of the house of my in-laws, for what if I was stopping paying, they would put hand round there, thing that does grace not even pinch to me, in addition to all this, now that I am trying to replace with myself with other banks is when I am finding out about the big dirty trick that exists to me I begin in the writing, like opening personal credits to me (thing of the one that I did not have does not even design), to grant the mortgage to me. I am driven to despair, already not what to do, because they have us caught by all sides, in the only thing that I think is in the damned day in which that of the real estate agency put us in this fuss of very good words.

Comment number: 339

Name: silvia

On Thursday, January 29, 2009 to 11:19:50 AM PM

       CERTAINLY 2 YEARS AGO AND 6 MONTHS WHEN EM BUYS THE APARTMENT I STARTED BY PAYING 881 EUROS... AND APART FROM THIS UNTIL THE DAY OF THE SIGNATURE THEY DID NOT SAY THE CONDITIONS OF THE LOAN TO ME AND CALCULATED TO ME A QUOTA QUITE LOWER THAN THE ONE THAT ALFINAL ME KEDO ERN 650 EUROS AND MY FATHER-IN-LAW JUMPED SAYING Q IT WAS NOT NORMAL, THAT VAT TO CALL HIS LAWYER (THE DAY OF THE SIGNATURE) THAT COULD NOT BE THAT THEY WERE CHANGING THE QUOTA TO ME SPOKEN AND THAT NOT ME HUVIERAN GIVEN THE CONDITIONS UNTIL THE ABOVE MENTIONED DAY, AS I REWARD AND FOR TO KEEP SILENT ABOUT THE MOUTH THEY GAVE US A HEEL OF XXXX MONEY... AND THAT THE UCI... THEY ARE A FEW THIEVES!!!

Comment number: 338

Name: KAROL

On Thursday, January 29, 2009 to 11:10:15 AM PM

       DID I RECEIVE A CARTADE UCI IN DECEMBER SAYING TO ME THAT THE INTEREST RATES WERE LOWERING ME AND THAT OF 1185 THEY WERE LOWERING TO ME 1050 THAT IF IT WAS AGREEING THAT HE WAS SIGNING AND SENDING BACK THE LETTER I DID IT, NOW IN JANUARY I HAVE RECEIVED A LETTER ME THE IRPH SAYING WHAT TO RAISED TO 6,93 AND WHAT THE MONTHLY QUOTA ME KEDA TO 1333 EUROS I AM GOING CRAZY, THIS IS NORMAL??

Comment number: 337

Name: KAROL

On Thursday, January 29, 2009 to 3:58:34 AM PM

       Hello does Miguel, enter in h tt p://groups.google.es/group/queremos-el-euribor? and register. We all must be there. My mail is set075@yahoo.es

Comment number: 336

Name: teresa

On Thursday, January 29, 2009 to 0:36:43 PM PM

       That is very easy to say it, but the IRPH will go down this year and of considerable form, so the fact is that the people who "could not change to Euribor" that does not drive to despair because it was evident. My advice is to bear the pull this year, since we will see our mortgages limited; but those who realize it well and change to Euribor, to say that they should be careful because nobody gives five-peseta coins for pesetas and the differential are going to go off. A person with a mortgage of approximately 25 or 30 years, they must have to fall calm, because the same as to today the Euribor is very low, in approximately 3 or 4 years it will rise like the gunpowder; but on the other hand the IRPH will be late more. I cheer all up and aguntad only "the one that is possible", the fact that not, that it is not thought and leaves to another banking institution.

Comment number: 335

Name: Paco

On Thursday, January 29, 2009 to 0:05:29 PM PM

       I continue with the second part of yesterday, this morning I have called UCI, asking as the January irph was, to do to me an idea of what he would pay if they were doing the review to me now. there answers me miss of name NURIA, who is not even known, who that of January goes out in February, but who was going down, then I have said to him that this is lowering everything except, that this was not what they said to me when I signed, that are a few swindlers, and repeats me that it is lowering little, but it going down. anyway.... now I am paying areglo of how is life in October of last year that was 6.34 %, and therefore he comments a little more above on the friendly pillar, for this month it should be to llega 5.5 %, which is what I started by paying in semptiembre of 2006. I hope there is luck and for April that I have review, it has lowered something more. Because to another thing I believe that we cannot aspire. this us happens to the young people with desire of having a roof, and "super uci" comes and he says to you, "nobody is going to give it to you, only we!!" and in addition only I pay interests the first 5 years, bony, 60 months without the capital lowering not even only one euro!!! and all this you believe that it is good for you in the moment who say it to you, but later you see that what they have done is to cheat you. if I will buy to myself an apartment again one day, but alone it is necessary to learn of this, and when they should say to us, we belong to UCI, to say to them, since farewell and good afternoon. anyway, the above mentioned, to wait. a greeting to all.

Comment number: 334

Name: miguel

On Thursday, January 29, 2009 to 9:04:56 AM AM

       Greetings Miguel, since you will have verified if you have read the comments of the forum, you are not the only one to which these UCI laborers have defrauded, we are great, but great those that we feel just as you, have put it to us doubled with the irph and by more attempts that are done they to try to convince in the possibility of changing to euribor to have no problems with the payment of the quota these sassy persons are sent to what is signed in the writing of the mortgage and that for any change in the same ones two parts have to agree, and as you will be able to imagine for his part are not much for the work of modifying anything because ingenious to be they are extracting a pasta at the cost of having us asphyxiated, and in addition from hypocrisy they have ordered many a letter offering us in a gesture of generosity and comprehension for his part the possibility of having a fixed quota lower than the current one but at the cost of not mortgaging capital, it walks and that put the letter where it they fits because as I have already mentioned one day if really they want to help his clients what they should do is to reduce the differential that they have or to allow us to change to euribor, so as you see you are not the defrauded only one, if you want to join to protest search in the messages of further down that you have groups in google to adhere and to protest against these swindlers.

Comment number: 333

Name: alberto

On Wednesday, January 28, 2009 to 9:34:01 AM PM

       hello to all. looking for information I have met on this forum and I am going to exhibit my opinion trying to be the most elegant thing that they leave to me to be this BAND OF THIEVES who make be called UCI: The same as many, I also hired my mortgage with them in September, 2006 with hurries, hurries that were pushed by them, "we have to sign tomorrow same, because this not that... this not all that..." whole that they hook to me with 610 euros, to today, two years and 5 months later, paid 1022 euros, every six months 200 more euros put me. in November I remained in the unemployment like some others, I call to uci asking that it is possible to do, that about the unemployment alone cashing 800 says to me the INCOMPETENT ONE OF THE OPERATOR, which there have many calls of this type, which were already calling me to study my case. almost 3 months depues... have they called you you? because amí not. the interest lowers to a tremendous rhythm that even makes happy of seeing it, the euribos 3/4 of the same. but to us they put the irph to us for the eyes, and later you will manage already. all they should put deacuerdo, denounce to the same time A THIS BAND OF THIEVES, THIEVES, SHARKS, RIFFRAFF and more qualifying adjectives that occur to me, but that I am not going to say for not erir the sensibility of that like me, already they are fucked enough. in April I have review. ... and me that of 1022 I am going to raise 1200, therefore I am reading here. let's call to the mass media I hope like that they the shame face falls down, and topcoat, which they take mortgage from us and STOP STEALING OF A PROSTITUTE TIME. that is quite.

Comment number: 332

Name: miguel

On Wednesday, January 28, 2009 to 8:37:56 AM PM

       it is not possible to pay anything

Comment number: 331

Name: Saints

On Wednesday, January 28, 2009 to 3:27:31 AM PM

       On January 12 I said to you that the irph boxes would be in 6.00 and I have been wrong for hundredths. I have calculated d 3 years behind and in all the irph goes out for me calculating the average the euribor of 3 months behind and adding a point to him, only I am wrong for hundredths. We will see as that will be of January but if is no ambiguity, I hope for that, it will be in 5.428. To have cuidadoporque now to change to the euribor, they might put a very high differential to you and would take you to the ruin when empieze to raise the euribor. Not trabajajo not in uci not in a bank I am an ignorant idiot with irph like you but I cannot change of bank because any gives me the credit to if that we hope that it should lower if they do not want the banks and boxes apartments that they could not sell nor to impede are nominated by you of stopped.

Comment number: 330

Name: prop

On Wednesday, January 28, 2009 to 0:05:55 PM AM

       Hello Saray, I also have mortgage in box madrid for three years but the IRPH is + 0 not because this difference, mine also is increasing, but he supposes approximately 20 euros per year of increase to me, your increase I suppose that it is for the interests. Three years ago were much lower. a greeting to all. I signed the mortgage with 21 years and now I have 24, pay thousand mortgage euros and only! we have to thank inside the bad thing. And calm that the IRPH was lowering a good period, the fall has already begun, last and fortitudes to all and all!

Comment number: 329

Name: Didac

On Tuesday, January 27, 2009 to 4:50:38 AM PM

       ANN, copy and it sticks ésto in the navigator: groups.google.es/group/queremos-el-euribor?hl=es you register in the group, and it is already, at the moment we are doing inventory of the people, and when we are sufficient, we will give indications.

Comment number: 328

Name: SLS

On Tuesday, January 27, 2009 to 0:44:07 PM PM

       hello I would like being able to join conta uci but not as I have to do it if someone could I would like that I was taking advice thank you very much

Comment number: 327

Name: ell

On Tuesday, January 27, 2009 to 6:53:37 AM AM

       HELLO, MY PROBLEM IS Q I HAVE AN INCREASING MORTGAGE FOR THREE YEARS AND HAVE IRPH+1. IN BOX MADRID.EMPEZE PAYING 1000E AND I GO ALREADY FOR 1700E.MI BANK DOES NOT ALLOW ME TO CHANGE TO EURIBOR.ALGUIEN CAN ADVISE ME, WHAT I ALREADY DO AND PUT A RECLAMACION.GRACIAS.

Comment number: 326

Name: SARAY

On Monday, January 26, 2009 to 9:08:45 AM AM

       DO NOT PUT YOUR EMAILS HERE Please, enter the group and to register there, to know affected all that there is. Set ésto ahead-> h t t p (without the spaces), and next ://groups.google.es/group/queremos-el-euribor?hl=es do not leave the emails here because anybody is going to compile them. Thanks.

Comment number: 325

Name: SLS

On Sunday, January 25, 2009 to 4:46:30 AM PM

       They have just checked to me the mortgage that I have hired with IRPH, the index of reference that corresponds to me is that of October, 2008, this has supposed an increase to me in the quota to be paid during the whole 2009. I believe that it would be a more interesting canviar to Euribor, since to this step I am never going to see a descent... Would it be the most beneficial thing for me in this moment?? Will suppose extra expense to me to realize this canvio now?? Can I do the canvio in the same entity now me having already checked the mortgage for 2009??

Comment number: 324

Name: Helen

On Sunday, January 25, 2009 to 10:10:43 AM AM

       I also have the mortgage irph with caixa cataluña. m pointed also tarik-sendi@hotmail.com

Comment number: 323

Name: nadia

On Saturday, January 24, 2009 to 11:45:49 AM PM

       it seems that the tendency of the irph begins going down. we are always a point or two over the eurobor. what it spends is that the euribor is capable of going down and of rising very rapidly while the irph not. this is good and bad. good for the sudden increases why are we supported and begin rising very slowly and villain for the opposite while others go down very rapidly we are late in going down and very slowly. anyway I also believe that as the things are now those of uci have to do something to compensate us. the differential to bend, to allow the change to the euribor.... what is. I am with you my mail is rafa976@hotmail.es

Comment number: 322

Name: Rafa

On Friday, January 23, 2009 to 4:27:27 AM PM

       Hello to all, since nothing has happened to me also equally. I have a mortgage with UCI and instead of the quota bends since it has raised me. Small disappointment. I also sign up to the collective complaint.

Comment number: 321

Name: Esther

On Friday, January 23, 2009 to 4:20:35 AM PM

       Can anybody say to me how do I enter this group to register? I have tried it but it does not leave

Comment number: 320

Name: Teresa

On Friday, January 23, 2009 to 0:46:53 PM PM

       Hello, I am in the same situation that all of you, I signed with UCI already 5 years ago, till now I was thinking that it had like reference euribor, and which has been my surprise that looking thoroughly, I have seen IRPH boxes + 0.25. I did not concentrate on this because I signed a period of 5 years of lack, till now I could have faced, but my situation has changed and I cannot already almost confront the payment sóla, like most of all that we are here, I started by paying 800 and I go already for 1400 euros... Be provided with me for everything what should be, my mail is cristina_etia@hotmail.com

Comment number: 319

Name: CRISTINA

On Friday, January 23, 2009 to 0:33:44 PM PM

       Carmen, but to gain access to ADICAE or AUSBANC in group, we will have to join first, and in these forums it is difficult, since each one puts his messages without scarcely reading previous messages, so many get lost in the negligence. Hence we have created a point of meeting, not a point of complaint, which is the group: groups.google.es/group/queremos-el-euribor?hl=es This way we join all there with the same intention. I have sent to you a mail to mention how to organize us. It is important that 3-4 persons lead the initiative (I am between them), and the rest they are saying what we should indicate, but first, to know all that we are in whole. So please, enter the GROUP and to register, I remember that YOU SHOULD NOT MAKE PERSONAL INFORMATION NOT MORTGAGE, since it is a group opened to the public and can read anyone, ALONE TO REGISTER and is already (at the moment). Cover the voice to be great in the GROUP, or we will not obtain anything. Thanks.

Comment number: 318

Name: SLS

On Friday, January 23, 2009 to 0:07:33 PM PM

       Hello, what these make is called him a USURY. I also have received the famous note and when I called to complain to the one that was (there answered me an operator, poor woman, what fault it will have) he said to me that it was not a good option for all the users (it will be for anybody, it is me who wonders) I have consulted a pleaded friend specialist and he has said to me two things (it is employed at a bank): 1. that finds out if these people have received money of the government - this would be a good way to try the pressure; 2. that goes away to another entity but while it could not do other one, that the most interesting thing is that it tries at all costs and how it is to amortize debt. I already know that it is very difficult and expensive but that it is the sensible and practical only thing that I can do, shorten the most possible my debt to they. And not because I diminish the quota, but because the more amortization less debt. Certainly, my friend has serious doubts about the solvency of these although behind the superhipermega is. . Be provided with me for the multitudinous complaint, ah and my friend says that it is a question of time that they negotiate, which many difficulties are going to have because they have specialized in credits with difficulties...

Comment number: 317

Name: User of the Usury

On Friday, January 23, 2009 to 11:28:40 AM AM

       Hello again, Puncture this article it is interesting: elmundo.es/elmundo/2009/01/22/suvivienda/1232653040. I was referring to this in my opinion about the previous mail with regard to the clients' associations of financial products

Comment number: 316

Name: carmen

On Friday, January 23, 2009 to 10:21:49 AM AM

       Good morning: Have I called UCI and nothing at all they do not do to me I nor marry, have visited the new group but it does not seem at all, that we have that hacerrrrrrrrrrrrr? I am desesperadooooooooo. a greeting in all.

Comment number: 315

Name: mario

On Friday, January 23, 2009 to 9:42:56 AM AM

       Gentlemen, we are not joining in the following group: "groups.google.es/group/queremos-el-euribor?hl=es" we are Still seeing how to proceed, but already being spending it so that nobody gets lost for the way, to keep it in favorites. At the moment put neither your information nor anything, that is a public group and it might be dangerous, but to be attentive to what we are saying there. Of course, you have to register I (believe) to gain access to the group. Thanks.

Comment number: 314

Name: SLS

On Friday, January 23, 2009 to 8:52:56 AM AM

       Good morning: I agree in that the union does the force but this way I believe that it is difficult to obtain nothing, I propose to join but across an association, it can be AUSBANC, ADICAE, they will canalize our requests and with many more pressure mediática, and I believe that obtaining better conditions for our loans, since we cannot forget that they can gain access to our requests but with a differential that does that it is not interesting to us to realize a novation with which all this he would not have any sense and more that well it might harm us. These associations appear in newspapers and mass media at national level, in any economic newspaper that ojeis are a news, even doing requests to the government in matter that we do not know and that can benefit us, as it is the case of the elimination of the euribor in a certain period of time, also surely that others affected by UCI have consulted with them and we can have more adherences. I have consulted the AUSBANC web and they have everything what we need to be heard, I advise you to look at it and we should make something prompt. A greeting, Carmen

Comment number: 313

Name: carmen

On Friday, January 23, 2009 to 8:45:38 AM AM

       Hello to all, to I also am and they are cheating those of UCI. I started by paying 2 years ago 752 € and at present I pay 978 € with an interest rate DESONESTO OF 6,84. not as but I am ready to any thing, only or accompanied, including to stop paying to them. greetings: chema fernandez

Comment number: 312

Name: CHEMA FERNANDEZ

On Friday, January 23, 2009 to 8:39:33 AM AM

       I join the demand against UCI, they have sent to me a writing, saying that it had the possibility of paying for six months only the interests, if to amortize capital none, is that they are very good, obviously I have not accepted and have counter-attacked asking for an immediate reduction or a change in the type (of IRPH to Euribor), till now absolute silence. javier.canovas@hotmail.com

Comment number: 311

Name: JAVIER

On Friday, January 23, 2009 to 6:47:59 AM AM

       I have a mortgage with "lacaixa" to the irph. at present have it to 6.044 with a differential of 0. the euribor falls down in stung, and this one to today in 2.5 aprox. would like to know if I am interested in to change to the euribor is already in the same caixa or in another entity. greetings

Comment number: 310

Name: juan

On Friday, January 23, 2009 to 6:11:28 AM AM

       Someone knows when it goes out published in the boe the interest rates both of the euribor and of the irph, if someone could help me say to me where I can find it (web or pdf, etc) thank you

Comment number: 309

Name: jose

On Thursday, January 22, 2009 to 11:33:15 AM PM

       Hello to all. We are already great those that we have spent for this forum but it is not a question of being leaving mail directions and of hoping that someone should get in touch with us. An affected partner has created a group in google where we can discharge ourselves. This way we will know how many we are in this struggle and to take common decisions. Once inside we will be able to propose and agree between all on the measurements to take. Fortitude and to the struggle. I have problems to write here the linkage to the group. It seems that this text publisher is not very good. For it you can send to me an email to acp001@terra.es or to djsalus@gmail.com that he is the author and we will send to you the linkage.

Comment number: 308

Name: ANTONIO

On Thursday, January 22, 2009 to 8:31:33 AM PM

       One more activist to fight against UCI My mail: jmmsoriano@gmail.com

Comment number: 307

Name: Jose Manuel

On Thursday, January 22, 2009 to 8:29:42 AM PM

       I sign up against uci arlexhua@hotmail.com

Comment number: 306

Name: arles

On Thursday, January 22, 2009 to 8:28:06 AM PM

       I have a mortgage with uci and I am not similar and have stopped of pagra until they do not change to me to euribor want to join this denunciation against uciarlexhua@hotmail.com

Comment number: 305

Name: arles

On Thursday, January 22, 2009 to 7:50:34 AM PM

       I also have the mortgage with uci IRPH boxes htrujilloesquinas@yahoo.es. I sign up

Comment number: 304

Name: Hilario Manuel Trujillo Esquinas

On Thursday, January 22, 2009 to 5:44:52 AM PM

       I wanted to mention that there is someone who wrote that he is a journalist and is employed at a newspaper that might help us, but I see that he has not written any more. I will put an announcement in a setmanal of my people to assemble those of my area. that of the comment 213, SLS, porqué do not you leave your mail?? mine is set075@yahoo.es

Comment number: 303

Name: TERESA

On Thursday, January 22, 2009 to 5:08:54 AM PM

       It is attentive these days because is looking how to centralize the complaints, we will say it here in this forum. To those who leave his email and go away, to say to them that of course this way we will not go to any place, so we already will put any way to you to join. Once let's say it, to remember that the most important thing is to spread it to the maximum, because we have to be at least 10 % of clients of UCI, but do not do anything, so in your hands there will stay looking for forums, webs, friends, neighbors, who is that it is affected and could cover the voice.

Comment number: 302

Name: SLS

On Thursday, January 22, 2009 to 4:58:40 AM PM

       since I also am different that I have mortgage with uci 283000 euros five years of lack paying only be of interest and with irph +0.15 thanks to the super negotiator of credit services that I cheat myself. the first road surface one in 2005 with irph +1 goes it defrauds then in 2007 I could negotiate something and a novation but tapeworm did to me that to extend the capital but they were not doing anything to me and there I am in irph+0.15 have called to change to euribor and they refuse flatly not if greeting might do anything to itself to be able cambiarlo.un

Comment number: 301

Name: david

On Thursday, January 22, 2009 to 2:32:49 AM PM

       Gentlemen, it does not remain very clear with so many post, where we sign up for the joint demand. The people are leaving his emails somewhere here, but I believe that it is better to announce that they should send it to an account in particular, but more than one post will get lost for the way....: and if we create a group google to unify us there? S2.

Comment number: 300

Name: SLS

On Thursday, January 22, 2009 to 2:13:01 AM PM

       Other affected more of UCI. I sign up to the demand. djsalus@gmail.com. I hope we manage to do pressure and they us happen to the euribor.

Comment number: 299

Name: SALUS

On Thursday, January 22, 2009 to 10:48:53 AM AM

       good morning I unfortunately also am in UCI and these every day rise and rise more. it cannot see the decuatro someone can say to me if for Internet it might see and where.

Comment number: 298

Name: silvia

On Wednesday, January 21, 2009 to 10:24:32 AM PM

       I also sign up for the demanda.el that reportage was not much there they it threw in cnnplus.falta more publicity.

Comment number: 297

Name: carlos

On Wednesday, January 21, 2009 to 4:34:03 AM PM

       For the demand against UCI I sign up. clevybb@yahoo.es

Comment number: 296

Name: CHAT LEVY

On Wednesday, January 21, 2009 to 4:10:52 AM PM

       I think that it is the moment us to begin moving, we are a considered number of affected, need someone that it is employed of journalist at some mass communication media I helped us, since we are of different places of Spain and to put ourselves of acuedo it is quite difficult. My mail is set075@yahoo.es

Comment number: 295

Name: teresa

On Wednesday, January 21, 2009 to 3:10:33 AM PM

       Hello it is tomorrow and gone to the caixa so that they were explaining to me because in the review of February 1, 2009 they take the November irph to me since the most normal thing would be that they were looking at the bony porcentage of the previous month that is not even known, they already me an sent a letter saying that the next review the percentage is of 6,3 irph boxes, bony they say already to me that I have to pay for the percentage of November I do not understand it, I would like that someone was telling to me if this is asin or an I dress the idiot's face, it is a shame, they say to me that the list boe of December should salt 6,3 % thing that on this page is not asin who cheats. Is my question if the review is February 1, 2009 on which month they have to do the numbers of my mortgage? I would ask you someone of out of the caixa to explain it to me thank you.

Comment number: 294

Name: jordi

On Wednesday, January 21, 2009 to 0:11:44 PM PM

       hello chic@s: finally today there have given me answer the lawyers of the consumers' association: the only thing that we can do, due to the excessive clauses signed with "THE THIEVES UCI" it would be hacre a joint claim of all; all that more better and serious suitable so that it was viable 10 % of the clients; quite complicated (thing) before the defender of the client of uci, in writing and with the information of all and our pretensions. If one was not giving us answer in the course of a maximum of two months to do the same writing to the figure of the defender of the client of the Spanish Bank. Although according to them it is very difficult that we achieve not put at all that the conditions are very clear; although they are abusimas, but they are registered in the Spanish Bank, and it is a legal interest rate and I bid and on the other hand no entity is forced to execute novations, and unfortunately in the current moments no bank would give us a substitution, thing that "uci" he knows well. A greeting and if someone has some another fact he knows already

Comment number: 293

Name: Javier

On Wednesday, January 21, 2009 to 10:31:30 AM AM

       For those that are thinking of changing IRPH to euribor, it can serve to you this page regarding expenses of novation .i-hipotecas.es/novacion-hipoteca.html In her it is seen that for changing only the interest rate the expenses amount to approximately 300 euros. To read you well the conditions of your mortgage, because if there are no excessive clauses this is feasible. Health and luck

Comment number: 292

Name: juan mari

On Wednesday, January 21, 2009 to 0:49:59 PM AM

       I have a mortgage with the "Caixa" and today I have gone it is to solve a doubt. Of step, I have mentioned to him that it defrauds it with regard to the IRPH to what I answer myself that I should not worry because this year would go down significantly. I do not doubt it, but I warned him of something and the fact is that if next year 2010 (February 1) turns me to raise the mortgage, I would not hesitate to go away to another entity it was as it was to what I do not answer anything. At present 1,25 (SCOUNDRELS) offer EURIBOR + and in 3 years and a half 177 has raised the mortgage to me €. The IRPH rises and goes down more slowly than the EURIBOR, but in minor low quantity, because when it rises, it is fearsome. The patience is the mother of the science, but as I did not bend "significantly the mortgage", we will see already to see...

Comment number: 291

Name: Paco

On Tuesday, January 20, 2009 to 11:47:27 AM PM

       Hello to all; I joined and my couple also we are affected by this one UCI swindle. There gave us the mortgage in two loans one of 80 % and other of 20 %, they us it painted everything very nice one in that moment (three years ago) any doubt was attacked by the TV/radio commercial. We sign with guarantee, start by paying 650 € between the two and right now we are in 1200 €. Several veceshemos tried to do substitution, but even the entities are scared when they see that we come from UCI (all sound you stick). Today we have gone to one of his offices (since my couple has remained in unemployment) and we wanted to negotiate something; but from the office the only thing that they have realized is to call to the number of attention and to spend the phone to us. They do not solve anything to us and say to us that this is what exists, Please I also me one. benzalema@hotmail.com

Comment number: 290

Name: Mila

On Tuesday, January 20, 2009 to 11:47:20 AM PM

       Hello to all; I joined and my couple also we are affected by this one UCI swindle. There gave us the mortgage in two loans one of 80 % and other of 20 %, they us it painted everything very nice one in that moment (three years ago) any doubt was attacked by the TV/radio commercial. We sign with guarantee, start by paying 650 € between the two and right now we are in 1200 €. Several veceshemos tried to do substitution, but even the entities are scared when they see that we come from UCI (all sound you stick). Today we have gone to one of his offices (since my couple has remained in unemployment) and we wanted to negotiate something; but from the office the only thing that they have realized is to call to the number of attention and to spend the phone to us. They do not solve anything to us and say to us that this is what exists, Please I also me one. benzalema@hotmail.com

Comment number: 289

Name: Mila

On Tuesday, January 20, 2009 to 9:46:47 AM PM

       I clarify to all those that you think that the irph is an average of euribor of the three previous months that is not like that, the irph is extracted of the average between the loans that at present are 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 has moved 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 loan" it is to 5.5 three points more than the euribor and you prop I have to thank them for the favor. if I can help my email to you it is artblor2@gmail.com

Comment number: 288

Name: arturo

On Tuesday, January 20, 2009 to 9:46:27 AM PM

       I clarify to all those that you think that the irph is an average of euribor of the three previous months that is not like that, the irph is extracted of the average between the loans that at present are 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 has moved 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 loan" it is to 5.5 three points more than the euribor and you prop I have to thank them for the favor. if I can help my email to you it is artblor2@gmail.com

Comment number: 287

Name: arturo

On Tuesday, January 20, 2009 to 9:10:00 AM PM

       Ah, I leave my email to you if alquien he informs me about this matter or there is some innovation. Thanks for moved forward. bulmi_106@hotmail.com

Comment number: 286

Name: Alejandra

On Tuesday, January 20, 2009 to 9:06:00 AM PM

       Ah, I leave my email to you if alquien he informs me about this matter or there is some innovation. Thanks for moved forward. bulmi_106@hotmail.com

Comment number: 285

Name: Alejandra

On Tuesday, January 20, 2009 to 9:02:48 AM PM

       hello to all. Since I can see I am not the affected uci only one. Sincerely I do not believe that we could obtain anything, but if only they do not have few shame us to keep on stealing. I also have received the famous letter, (ayy q good they are, as they think about our economy) and a shit!! (with pardon) that do not think that we are so ingenuous as when we went to sign this shit of mortgage, of the errors are learned. Of this an intense reportage could be done as I have already seen that have proposed, because we are great the affected ones and I believe that something might be done, it is already known, the power of the TV. At least so that those who are undecided do not commit the same error. Certainly, I have a mortgage without capital amortization the first 5 years, to begin to cry!!

Comment number: 284

Name: Alejandra

On Tuesday, January 20, 2009 to 8:34:03 AM PM

       I also have received this letter and have consulted with an adviser and he has said to me that it should not even occur to me that there are a few sausages. I signed in marzo08 with quotas agreed for 5 years and when September came they wrote to me that my quota was different those that he had signed raising more than 200 euros to me now me review touches again in March and not that they are going to give stick to me but if we could claim all together be if we can do something, the program of four I could not see it I would like knowing if it is possible to see on the other hand, also I would like knowing which it is the last released interest rate of IRPH to do to me an idea of the quota that I am going to have to pay in April. please to be in charge to me email with your comments to marijo_abietar@hotmail.com

Comment number: 283

Name: maria jose

On Tuesday, January 20, 2009 to 7:46:00 AM PM

       I have a mortgage with the interest rate IRPH the savings bank he says to me that from January the interest will raise flagstaff to me 6.41 % this is possible they say to me that it is the stipulated in November

Comment number: 282

Name: toni

On Tuesday, January 20, 2009 to 6:41:20 AM PM

       I have a loan bridge with the shit of the uci with intention of selling the first house, but as so many people different I remained hooked without selling the first one, and I am escaping thanks to the fact that I have the apartment aquilado, am very interested in a possible common union against this gentuza.soy antonio the majorero and s ablo from the prices island of fuerteventura

Comment number: 281

Name: Antonio

On Tuesday, January 20, 2009 to 4:56:55 AM PM

       Hello, do I have just received a letter of UCI in which he proposes to me a reduction of the quota up to the next review, the inconvenient only one is that the revaja accumulates to the hanging capital, to someone more him to come this letter???

Comment number: 280

Name: I run

On Tuesday, January 20, 2009 to 3:06:31 AM PM

       Hello, if something is going to be done with regard to the IRPH, of a joint way, I adhere, the only one does not obtain anything, between all perhaps.

Comment number: 279

Name: teresa

On Tuesday, January 20, 2009 to 3:02:32 AM PM

       Hello to all, it is the first time that I get into this forum. it is I begin because last firm year with UCI my mortgage, of course like value the IRPH. But in my case I do not have variable quotas, the only thing that there did the unpresentable one who negotiated it to me, of KIRON to more information, it was to negotiate it to fixed quota during the first 5 years. Rise of that time what raises the interest rate I keep on paying the same quota. As soon as this term was finished the quota turns into variable, and the calculation is done by the value that has the IRPh in this moment. On having read all your comments, I am I throw to think about the possibility of changing the type to euribor, and I already have left skylight clear that of course I did not change the quota to variable. I would like intervening on the this page that you have created for affected of the IRPH: which is? it does not appear in the previous comments. Thank you very much really for the inforamción, it has been very useful to me.

Comment number: 278

Name: CRISTINA

On Tuesday, January 20, 2009 to 11:49:04 AM AM

       Hello, a question, if the mortgage signs 28/02, that month look for the review?

Comment number: 277

Name: jose

On Tuesday, January 20, 2009 to 11:11:57 AM AM

       hello to all, taken care when you do a novation because they are putting a few differential between 1.50 and 2 %, a greeting to all.

Comment number: 276

Name: marimar

On Tuesday, January 20, 2009 to 10:56:53 AM AM

       To put claims the web of the Spanish Bank, in the portal of the client, it establishes for UCI: - attention to the client, ANN MARIA YOU CALL - Blanca Garcia of ASNEF his Email is: bgarcia@asnef.com

Comment number: 275

Name: carmen

On Tuesday, January 20, 2009 to 9:51:46 AM AM

       hello I am jaime on the comment 89 on uci, I leave my mail to you jgabidia@hotmail.com I am waiting now in February for the revesion, credit it q happens. It is q to finish with UCI....

Comment number: 274

Name: jaime

On Tuesday, January 20, 2009 to 8:47:40 AM AM

       Hello Ann, forgives my delay in the answer. Not if the news that went out another day would affect the IRPH, but I imagine that if, it would be very unjust not to apply it to all the reference indexes. I will try to continue the news.

Comment number: 273

Name: carmen

On Tuesday, January 20, 2009 to 0:22:43 PM AM

       I FEEL IT IT WILL HAVE BEEN SOME MISTAKE, THE FACT IS THAT NOT M GAVE CREDIT ALREADY OF NOBODY, A GREETING AND THOUSAND YOU FORGIVE

Comment number: 272

Name: Lourdes

On Tuesday, January 20, 2009 to 0:19:03 PM AM

       BECAUSE I CANNOT SEE MY COMMENTS? I CLOSE THE PAG AND WHEN I OPEN IT IT IS NOT, I BELIEVE Q HAVE ALL THE RIGHT OF THE WORLD TO THINK AND ADVISE FOR Q, THERE IS NO ANY MORE ENGAÑOS.O IN THE END I WILL THINK THAT Q THIS IS A TRICK ALSO

Comment number: 271

Name: Lourdes

On Tuesday, January 20, 2009 to 0:07:55 PM AM

       THE IRPH WAS TODAY TO 6,08 AND THE ADVICE Q I GIVE TO HIM TO THE Q THEY DOUBT BETWEEN IRPH AND EURIBOR, TO PRAISE YOU FOR THE EURIBOR IF YOU GET INTO WHICH QUIER PAG AND LOOK AT THE ALWAYS THIS EVOLUTION OF THE EURIBOR ALMOST 1 POINT BELOW THE IRPH AND Q DO NOT SWINDLE YOU WITH THE EVERLASTING STORY "THE MOVEMENTS OF THE IRPH ARE NOT SO SUDDEN AS THOSE OF THE EURIBOR" LIE COMPENSATES 1000X1000 MORE THE EURIBOR. I SAY IT FOR EXPERIENCE THAT I HAVE 3 CREDITS OPENED WITH THE CAIXA ON THE SAME HOUSING THE FIRST ONE THE FIRM THING IN IRPH IN 2000 LESS BADLY Q IN 2004 I DID THE SECOND ONE AND I BEGAN SIGNING ALREADY IN EURIBOR, I WILL REGRET ALWAYS WITHOUT HAVING ADVISED MYSELF FOR QUALIFIED SOMEONE AND TO HAVE RELIED ON THE GOOD PALABRITAS OF THE VULTURES OF THE CAJAS.UN I GREET

Comment number: 270

Name: Lourdes

On Monday, January 19, 2009 to 7:45:08 AM PM

       Hello to all! I am Rumanian and also I have a mortgage with UCI from March, 2005. I have always paid to the time without mistakes having a situation to finance precarious in 2008 (with my husband in unemployment the whole year and I approximately 5 months) Have asked UCI for a reduction of the quotas (we pay not at all more interests) and they have approved a quota of 500 € (instead of paying 650 €) up to the next review. But I got fed up already with his tricks and I think that the only solution is to stop paying because my mortgage has many problems (Housing VPO, value of VPO 64.000 €, mortgage loan of 113.000 €, period of carrencia of 4 years...).Lo only one through that he wanted to live tranquilla with my family, but it is seen that everything is a nightmare that is never finished. My email is todor_isabella@hotmail.com

Comment number: 269

Name: isabella

On Monday, January 19, 2009 to 7:33:20 AM AM

       For all that you have the mortgage with UCI, to know that it has a serious problem of safety on his web page. That me you buy the information Deprived of the persons who consult his information in Internet. One has ordered them two notifications, and we have not received any answer. Someone knows where we can put a complaint formally.

Comment number: 268

Name: CZAR

On Sunday, January 18, 2009 to 11:13:53 AM PM

       I have a mortgage with box madrid in irph and deverdad fence shit of mortgage do not do a mortgage with them they are a few thieves of white glove

Comment number: 267

Name: tonino

On Sunday, January 18, 2009 to 10:01:54 AM PM

       do I have IRPH and want to change to EURIBOR, they have mentioned to me that with Banesto it is possible to do, offer you euribor more 0,35 and that her they assume the cancellation expenses, you know some thing of this? also do I sign up to be able to do the reclamació to the bank of Spain, as we do it individually or how group of affected?, I believe that it would be important to use the mass media

Comment number: 266

Name: merce vidal

On Sunday, January 18, 2009 to 9:04:21 AM PM

       Hello do I have a mortgage in caixa laietana, of a place I did it to 30 years in 2 years me to raised 180e, and very much I am afraid q now in March it will raise me again right now I it have to the irph 5.95 the last fact q have of the irph differential is q this to 6.25 + and I am thinking of going to the bank be if I can change to the euribor, I suppose q if one could change it would pay enough less not???? thank you.

Comment number: 265

Name: ruben

On Sunday, January 18, 2009 to 6:56:55 AM PM

       I also am an UCI victim, I am caught by a mortgage bridge with three housings and do not sell any, between the capitalization of interests that has raised to me the mortgage in 35.000 more euros and the descent of the price of the housing I have lumped it the life, since it had my two apartments practiamente full, and now I take a debt for 475.000 euros as what no bank would give me the subrrogacion. If you make something be provided with me, please. My mail is tiscar1@hotmail.com Greetings

Comment number: 264

Name: peace

On Saturday, January 17, 2009 to 10:06:21 AM PM

       Hello to all: I got lost the reportage of four on UCI and the IRPH for work questions. Of what did it consist?. Was it worth it?. We will have given step forward?. We must contact again with the journalist?. We look another mass communication media?. If someone it recorded it or he knows if it is free in some web, to communicate it, please. THANK YOU.

Comment number: 263

Name: ANTONIO

On Friday, January 16, 2009 to 6:12:52 AM PM

       hola.tengo a mortgage from the year 2002, IRPH and I am doing a comparative temporalmemte with the euribor for subrrogarme and until December, 2008 it was not going out on account, because the difencial between both was very small, since since we all know the euribor IRPH has a rounding of 50 % aprox. yel un0 % and the subrrogacion was costing about 2000 euros.pero in these moments the difference it is very big and it is very interesting to change but the difencial is always necessary to look that there is the month that has us to do the review and do the accounts.

Comment number: 262

Name: jose

On Friday, January 16, 2009 to 5:35:10 AM PM

       Hello Carmen this news seems very interesting I do not know if that we have IRPH would be affected by it to us in anything, certainly the reportage on the IRPH four gave it yesterday to 14:30h in news.

Comment number: 261

Name: Ann

On Friday, January 16, 2009 to 5:34:27 AM PM

       Hello Carmen this news seems very interesting I do not know if that we have IRPH would be affected by it to us in anything, certainly the reportage on the IRPH four gave it yesterday to 14:30h in news.

Comment number: 260

Name: Ann

On Friday, January 16, 2009 to 5:03:29 AM PM

       INTERESTING NEWS: eleconomista.es/flash/noticias/972401/01/09/Adicae-pide-al-Gobierno-que-suspenda-el-euribor-de-forma-provisional-.html

Comment number: 259

Name: carmen

On Friday, January 16, 2009 to 11:53:14 AM AM

       MY DIRECTION IS nicavero81@yahoo.es

Comment number: 258

Name: VERONICA

On Friday, January 16, 2009 to 11:52:12 AM AM

       I WANT TO BE PART OF YOUR PLATFORM AGAINST THE IRPH PLEASE TO SAY TO ME THAT IT PAGINATES OR THAT MAIL IS THE ONE THAT IT IS NECESSARY TO USE TO CONTACT. I AM OVERWHELMED SINCERELY SINCE AN ERROR LIKE THAT THE LIFE CAN MARK YOU.

Comment number: 257

Name: VERONICA

On Friday, January 16, 2009 to 11:16:39 AM AM

       Do not think that the government does not know anything about the IRPH since the boxes are dominated completely by the corresponding autonomy. In fact, the boxes are the change currency in the state politics opposite to the demands of the autonomies. the town halls and the autonomies use our money at his{your} pleasure, agree on commissions, diets, qualify areas.... They are defrauding us and we cannot do anything, or almost at all: how do we allow ZP to distribute money to the town halls?? do not deceive yourselves, this is not a democracy... although it is not from the worst countries to live, the politics of this country is of the tebeo. the good news the fact is that it imports a common amaranth for us what the corrupt ones enrich (=politicos) because while the sun keeps on going out and we could raise a cruzcampo that more gives if the bed mayor is Malay or a Malay

Comment number: 256

Name: arturo

On Friday, January 16, 2009 to 10:57:32 AM AM

       death to the irph

Comment number: 255

Name: arturo

On Friday, January 16, 2009 to 10:56:37 AM AM

       death to the irph

Comment number: 254

Name: arturo

On Friday, January 16, 2009 to 10:56:17 AM AM

       Hello. be if someone can help me before a doubt that I have, hires a mortgage with the system IRPH and the interest rate when it hires it in December, 2007 and I was 5,25 % + - 0,25 the term is to 15 years and the quantity 100.000 euros I the truth did not want this system since I already had an experience with another mortgage with IRPH and was paying more than with the euribor. Good my question is the following one in the Savings bank they said to me that the IRPH now is equal to the euribor that they were raising or were going down equally but I have no doubts and for what I have read I believe that they have not told me the truth the review it touches me this month and I would like that someone informs me so that it could act in consecuencia.gracias

Comment number: 253

Name: Vicente

On Friday, January 16, 2009 to 10:08:23 AM AM

       Sight Juan you hung this itself on this one forum: euribor.com.es/irph/comment-page-7/#comments And I am going to give you the same answer. 327, Ann Enero 15 2009, at 23:27. I have the IRPH+0 and I am going to change to the euribor my +0,75 and they will say that extra drop well, all right although at first I will have to pay 1000 euros in the end I will go out winning they it check me taking as refrerencia in October I am going to give you a few information next. year 2007 IRPH+0 boxes 5,566 euribor+0,75 5,397 year 2008 IRPH+0 boxes 6,331 euribor+0,75 5,998 Talvez think that the difference is small but if the multpilcamos for 25 years go out a few thousands of euros and if above they should do my review in November I would throw myself of the hair. So I am interested in there each one. DEATH TO THE IRPH

Comment number: 252

Name: Ann

On Friday, January 16, 2009 to 8:26:56 AM AM

       Sight Juan you hung this itself on this one forum: euribor.com.es/irph/comment-page-7/#comments And I am going to give you the same answer. 327, Ann Enero 15 2009, at 23:27. I have the IRPH+0 and I am going to change to the euribor my +0,75 and they will say that extra drop well, all right although at first I will have to pay 1000 euros in the end I will go out winning they it check me taking as refrerencia in October I am going to give you a few information next. year 2007 IRPH+0 boxes 5,566 euribor+0,75 5,397 year 2008 IRPH+0 boxes 6,331 euribor+0,75 5,998 Talvez think that the difference is small but if the multpilcamos for 25 years go out a few thousands of euros and if above they should do my review in November I would throw myself of the hair. So I am interested in there each one. DEATH TO THE IRPH

Comment number: 251

Name: Ann

On Thursday, January 15, 2009 to 10:56:52 AM PM

       Hello I have the same conditions as the majority with UCI the best method of pressure and publicity is ke we all stop paying for a good weather our quotas to break not insurance but we overwhelm them THEY ARE A FEW SWINDLERS there do not justify themselves the excessive conditions that they made us sign. I believe that the problem is not the IRPH if not a heap of nonsenses of these swindlers.Hay that to move us joins to us

Comment number: 250

Name: carlos

On Thursday, January 15, 2009 to 9:09:50 AM PM

       hola.tengo does he mortgage with box madrid-IRPH.pregunto-puedo to change the index to euribor?

Comment number: 249

Name: pacho

On Thursday, January 15, 2009 to 6:56:20 AM PM

       WE HAVE IRPH WITH UCI, THEY SAID TO US THAT IT WAS THE BEST THING... IF CERTAINLY, IT RISES LIKE THE EURIBOR AND MORE EXPENSIVE ABOVE... WE HAD MORTGAGE BRIDGE, 2 YEARS WITHOUT SELLING THE APARTMENT AND THAT HAS ADDED TO THE DEBT 12000 TO US € LIKE INTERESTS, WE HAVE COME TO EXTINGUISH OF LETTER 2700 €... INCREDIBLE, NOW WE HAVE SOLD THE APARTMENT AND PAY A MONTH 2200 €... AND UCI DOES NOT GIVE US ANY SOLUTION, A SHAME!!!!! SINCE NOT AT ALL, NOPS HAS FUCKED THE LIFE

Comment number: 248

Name: Rosa Maria

On Thursday, January 15, 2009 to 6:39:54 AM PM

       you can see the interest rates in the web of the Spanish Bank bde.es/infoest/a1901.pdf

Comment number: 247

Name: carmen

On Thursday, January 15, 2009 to 5:47:38 AM PM

       he might say to me that please which is the current price of the irph of the boxes. thank you very much

Comment number: 246

Name: ROBERTO CARLOS

On Thursday, January 15, 2009 to 5:47:04 AM PM

       he might say to me that please which is the current price of the irph of the boxes. thank you very much

Comment number: 245

Name: ROBERTO CARLOS

On Thursday, January 15, 2009 to 5:04:27 AM PM

       I WOULD LIKE DOING A REFLEXION:que nobody goes crazy and I do changes of his mortgage of which then they could repent. 1ºtodos what IRPH +0 has I do not recommend to them to do a change unless they offer you an EURIBOR with a differential lower than 0,50, the expenses of a novation of a mortgage of 125ooo € can cost about some 2000 €. 2ºHe overdraft in another forum since the IRPR is calculated. there is the average of the EURIBOR of 3 more months a point I explain myself: To calculate the next IRPH of December, we will take em Euribor of September 5,38 October 5,248 and November 4,35 entire 14,978 I divide of 3 = 4,99 + 1 point the IRPH of December will be 5.99 and then if we take the Euribor de Octubre-Noviembre-Diciembre we will have that of January and so successively. 3ºpor so many I calculate that the Euribor of January is going to close for below 2,5 and as I believe that the rest of the months February - March goes to be to 2 the mortgages with Irph +0 that check from April the Irph will not be superior to 3 %. The problem is in the mortgages that they have or have had reviews before the first trimester 2009. 4th and finally to say that I am trying to negotiate with my bank the novation, in the beginning they were offering me the Euribor+0,50 more expenses 2000 €, but the director insinuated to me that 0,50 are receiving instructions from to that the differential is major.... me with a differential of + I do not do it.un greet all

Comment number: 244

Name: Juan

On Thursday, January 15, 2009 to 4:47:24 AM PM

       I WOULD LIKE DOING A REFLEXION:que nobody goes crazy and I do changes of his mortgage of which then they could repent. 1ºtodos what IRPH +0 has I do not recommend to them to do a change unless they offer you an EURIBOR with a differential lower than 0,50, the expenses of a novation of a mortgage of 125ooo € can cost about some 2000 €. 2ºHe overdraft in another forum since the IRPR is calculated. there is the average of the EURIBOR of 3 more months a point I explain myself: To calculate the next IRPH of December, we will take em Euribor of September 5,38 October 5,248 and November 4,35 entire 14,978 I divide of 3 = 4,99 + 1 point the IRPH of December will be 5.99.

Comment number: 243

Name: Juan

On Thursday, January 15, 2009 to 1:26:15 AM PM

       FOR ALL THE INTERESTED PARTIES, YOU MUST KNOW THAT I HAVE ALREADY TRIED THE SUBSTITUTION OF MY MORTGAGE OF UCI, WITH NEITHER MORE NOR LESS THAN 6 ENTITIES AND IT HAS BEEN IMPOSSIBLE TO ME, BECAUSE OTHER ENTITIES REFUSE TO ASSUME THE ANNOYING CLAUSES THAT WE HAVE SIGNED AND WHICH THE MORTGAGE LAW FORCES THEM TO TAKE UP OFFICE IN CASE OF SUBSTITUTION; NOT SO IN CASE OF CANCELLATION AND NEW OPENING, BUT SKYLIGHT THIS WOULD TAKE A FEW MUCH MAJOR EXPENSES. A GREETING

Comment number: 242

Name: JAVIER

On Thursday, January 15, 2009 to 0:30:14 PM PM

       The news reportage four on the irph today in the news about the midday, in the this night for confirming, Iñaki Gabilondo has to decide it.

Comment number: 241

Name: Ann

On Wednesday, January 14, 2009 to 10:11:29 AM PM

       I also have the mortgage with UCI, we are still in perido of lack in the 4th year, empezé paying 600 € and this year we are paying 940 €, and they check us with what they close in December, to fall into a tremble.

Comment number: 240

Name: SUSANA

On Wednesday, January 14, 2009 to 6:34:12 AM PM

       !! URGENT!! there is a news journalist four that wants to do an interview to affected UCI persons for IRPH and to denounce it they need a person that he lives in Madrid or it surrounds enough. To answer as soon as possible.

Comment number: 239

Name: carmen

On Wednesday, January 14, 2009 to 6:33:13 AM PM

       !! URGENT!! there is a news journalist four that wants to do an interview to affected UCI persons for IRPH and to denounce it they need a person that he lives in Madrid or it surrounds enough. To answer as soon as possible.

Comment number: 238

Name: carmen

On Wednesday, January 14, 2009 to 6:02:51 AM PM

       He wanted to thank Ann of the comment 140, it can serve of great help to us

Comment number: 237

Name: teresa

On Wednesday, January 14, 2009 to 5:31:29 AM PM

        Hello I am in the same case as most of those that you have written. I hired my mortgage with UCI 2 years ago. I started by paying 900 euros and now I pay 1339. I have tried to pass to Euribor and they say to me that it is not possible. I believe that this is tremedamente unjustly. It costs that we sign a few conditions and that we choose them. Okay. I admit the error. But once we realize have not right to improve our situation. Is it a question of a few persons who have given us 240.000 euros, to which we pay between 1000 and 2000 euros every month, and we do not even deserve that they negotiate our situation? I DO NOT UNDERSTAND IT. I am a journalist. And yesterday I called to the department of press of UCI to ask for an interview with his president mister Juan Carlos Sandoval. They said to me that it was not granting interviews. And I make sure you that it is not a habitual reaction. IT IS NECESSARY TO OBTAIN THE CHANGE. I have already got in touch with some of you.

Comment number: 236

Name: mcf

On Wednesday, January 14, 2009 to 1:17:36 AM PM

       Interesting Blog: descubriendoauci.blogspot.com/2008_10_01_archive.html

Comment number: 235

Name: carmen

On Wednesday, January 14, 2009 to 1:08:32 AM PM

       Interesting Blog: descubriendoauci.blogspot.com/2008_10_01_archive.html

Comment number: 234

Name: carmen

On Wednesday, January 14, 2009 to 0:23:02 PM PM

       Good I also am a little annoyed by that thing about the I.R.P.H, am trying to change it to the euribor be if I am lucky, of while if you want although it is to show vuetra disappointment you can do Shoemaker here: la-moncloa.es / president / Esc... efault.htm

Comment number: 233

Name: lasbrujitas

On Wednesday, January 14, 2009 to 11:24:09 AM AM

       Good I also am a little annoyed by that thing about the I.R.P.H, am trying to change it to the euribor be if I am lucky, of while if you want although it is to show vuetra disappointment you can do Shoemaker here: la-moncloa.es / president / Esc... efault.htm

Comment number: 232

Name: lasbrujitas

On Wednesday, January 14, 2009 to 11:08:02 AM AM

       Good I also am a little annoyed by that thing about the I.R.P.H, am trying to change it to the euribor be if I am lucky, of while if you want although it is to show vuetra disappointment you can do Shoemaker here: la-moncloa.es / president / Esc... efault.htm

Comment number: 231

Name: lasbrujitas

On Wednesday, January 14, 2009 to 10:54:24 AM AM

       Good I also am a little annoyed by that thing about the I.R.P.H, am trying to change it to the euribor be if I am lucky, of while if you want although it is to show vuetra disappointment you can do Shoemaker here: la-moncloa.es / president / Esc... efault.htm

Comment number: 230

Name: lasbrujitas

On Wednesday, January 14, 2009 to 10:31:25 AM AM

       For that they are with the UCI there is a journalist of four for that there are looking the people with whom to speak that it has the IRPH is urgent since they have thought to extract it for tomorrow I leave to you the message that has hung in the forum. Hello to all! I am Elsa, journalist of News Four, we would like touching the topic of the IRPH in the informative one, but we need to speak with someone who has this type of mortgage reference. Please, it is urgent, we want to extract it on Thursday, the 15th of January. To get in touch with me in: elsa.llorente@gmail.com elsalg@sogecable.com Thank you very much!

Comment number: 229

Name: Ann

On Wednesday, January 14, 2009 to 9:45:51 AM AM

       hello so how ke me an confirmee ke not, but good and looked with ING if someone can say to me of them, is the truth ke a bank ke another man dixo ke already almost takes my mortgage to me not, and he is with euribor and I would pay 1.157.24. and paying capital.en I change with UCI pay 1.448.00 and it is alone interests and with IRPH. and I would like knowing if ING IS a GOOD BANCO.igualmente I will keep on consulting of them with my famili.

Comment number: 228

Name: desiree

On Wednesday, January 14, 2009 to 9:15:30 AM AM

       1st the euribor is worth while, since it is always low that the IRPH and the tendency is to the fall. There are 2 ways of changing 1st novation, of speaking with the bank to change the conditions (reference index + differential) I believe that euribor+0,60 it is obtained well. 2nd if elbanco the madman does to himself to ask for a substitution to another bank, they put snags but it is possible to obtain In two cases it is worth while I spend them although it is necessary to value them Go paying mortgage 30 years and with the time he has learned something

Comment number: 227

Name: ricardo

On Tuesday, January 13, 2009 to 10:52:24 AM PM

       Hello to all. It is the first time that I make a comment of this topic.Me I would please yes someone knows of my topic. I have a Mortgage of IRPH box + 0 of index to 30 años.revisión annual. I am paying 2.217,00 € a month. My question is: Me would it be better to happen to euribor or to continue how is life?.les I owe to the Bank 376.812,00 €. Thank you. A Greeting

Comment number: 226

Name: Fig tree

On Tuesday, January 13, 2009 to 8:35:06 AM PM

       I agree with Antonio's comment, the only thing that we can do it is to realize a joint claim and with publicity. I have investigated in the AUSBANC web and they have models for our claim, of course previous payment, but also this association seems very guerrilla to me and obtains his targets and they give enough theirs publicity, although I realize that the designated one for defender of the client UCI is ASNEF, according to the web of the Spanish Bank. Tomorrow I will try to contact with them and I comment to you.

Comment number: 225

Name: carmen

On Tuesday, January 13, 2009 to 8:08:47 AM PM

       I agree with Antonio's comment, the only thing that we can do it is to realize a joint claim and with publicity. I have investigated in the AUSBANC web and they have models for our claim, of course previous payment, but also this association seems very guerrilla to me and obtains his targets and they give enough theirs publicity, although I realize that the designated one for defender of the client UCI is ASNEF, according to the web of the Spanish Bank. Tomorrow I will try to contact with them and I comment to you.

Comment number: 224

Name: carmen

On Tuesday, January 13, 2009 to 8:08:36 AM PM

       I agree with Antonio's comment, the only thing that we can do it is to realize a joint claim and with publicity. I have investigated in the AUSBANC web and they have models for our claim, of course previous payment, but also this association seems very guerrilla to me and obtains his targets and they give enough theirs publicity, although I realize that the designated one for defender of the client UCI is ASNEF, according to the web of the Spanish Bank. Tomorrow I will try to contact with them and I comment to you.

Comment number: 223

Name: carmen

On Tuesday, January 13, 2009 to 6:49:02 AM PM

       Thank you antonio for your comment

Comment number: 222

Name: Teresa

On Tuesday, January 13, 2009 to 6:05:14 AM PM

       I also and been defrauded and trampled by these thieves and I do not think that to stop without eating my children him to pay to these usurers I started by paying 435 and now I pay 820 with a few income of 1000

Comment number: 221

Name: ARMING

On Tuesday, January 13, 2009 to 5:28:03 AM PM

       Hello to all: It is true that the LAW 41/2007 could establish that the change of the index of reference is considered to be a novation but it does not indicate that the financial institution has to accept our proposal. According to my consultation, the entity can refuse to a consumer society to the novation unless a substitution should be done with another entity in the terms that establishes the law earlier said. Now then, in the case in which he was gaining access to the novation, this one might be done by means of a contract deprived with minimal expenses. According to this organization what we can do is, between all (and while more better), it is: - first of all to do a writing to the defender of the client of U.C.I. (already located), exhibiting the situation and our pretensions. - secondly, passed two months without answer or in case of negative answer, to move the writing to the service of claims of the Spanish Bank. Ésto does not guarantee anything because UCI can refuse to a modification of the conditions. It is only the right to the "protest", but if we are great those that we threaten with the substitution it is possible that U.C.I. changes opinion. We can always only give bad publicity across some mass media. If you do some another investigation or have another idea, to keep us informed. When we are enough we can do the writing.

Comment number: 220

Name: ANTONIO

On Tuesday, January 13, 2009 to 5:26:56 AM PM

       Hello to all: It is true that the LAW 41/2007 could establish that the change of the index of reference is considered to be a novation but it does not indicate that the financial institution has to accept our proposal. According to my consultation, the entity can refuse to a consumer society to the novation unless a substitution should be done with another entity in the terms that establishes the law earlier said. Now then, in the case in which he was gaining access to the novation, this one might be done by means of a contract deprived with minimal expenses. According to this organization what we can do is, between all (and while more better), it is: - first of all to do a writing to the defender of the client of U.C.I. (already located), exhibiting the situation and our pretensions. - secondly, passed two months without answer or in case of negative answer, to move the writing to the service of claims of the Spanish Bank. Ésto does not guarantee anything because UCI can refuse to a modification of the conditions. It is only the right to the "protest", but if we are great those that we threaten with the substitution it is possible that U.C.I. changes opinion. We can always only give bad publicity across some mass media. If you do some another investigation or have another idea, to keep us informed. When we are enough we can do the writing.

Comment number: 219

Name: ANTONIO

On Tuesday, January 13, 2009 to 2:54:17 AM PM

       Certainly my direction is ldamgg1@gmail.com

Comment number: 218

Name: MAnuel Gómez

On Tuesday, January 13, 2009 to 2:53:13 AM PM

       Good to the 2 I also have hired a mortgage with UCI Irph to 3 more years differential of 0,5 %. I call them to change the type of mortgage to euribor and his answer is NOT. I have consulted the change with other entities for example the Santander and with an Euribor + 0.50 with the expenses of cancellation of UCI would go out for me an approximate quota of approximately 970 €. At present with UCI I am paying 1280 €. I am thinking about the change, since not UCI does not want to realize the changes. I wait for his news. A Greeting

Comment number: 217

Name: Manuel Gómez

On Tuesday, January 13, 2009 to 1:27:54 AM PM

       I believe that there is serious the legal base that we have to try that UCI changes to us the reference of the interest rate of IRPH TO EURIBOR LAW 41/2007, OF DECEMBER 7, BY THAT THE LAW IS MODIFIED 2/1981, OF MARCH 25, OF REGULATION OF THE MORTGAGE MARKET AND OTHER NORMS OF THE MORTGAGE AND FINANCIAL SYSTEM, OF REGULATION OF THE INVERSE MORTGAGES AND THE INSURANCE OF DEPENDENCY AND FOR THE ONE THAT ESTABLISHES CERTAIN TRIBUTARY NORM In the preamble of the Law he settles: the novation of the mortgage loans for the sake of the debtor turns out to be made difficult by the restrictive interpretation that of the concept of modifying novation was doing the Law 2/1994, of March 30, on substitution of mortgage loans. What now is adopted is a wider interpretation of when modifying novation exists, so that it is considered that there exists mere modification and not extinction of the juridical relation and constitution of a piece of news in the following assumptions: enlargement or reduction of capital, the service or modification of the personal guarantees, alteration of the conditions of the initially agreed or current interest rate; alteration of the term, of the method or system of amortization and of any other financial conditions of the loan.

Comment number: 216

Name: carmen

On Tuesday, January 13, 2009 to 1:06:25 AM PM

       I believe that there is serious the legal base that we have to try that UCI changes to us the reference of the interest rate of IRPH TO EURIBOR LAW 41/2007, OF DECEMBER 7, BY THAT THE LAW IS MODIFIED 2/1981, OF MARCH 25, OF REGULATION OF THE MORTGAGE MARKET AND OTHER NORMS OF THE MORTGAGE AND FINANCIAL SYSTEM, OF REGULATION OF THE INVERSE MORTGAGES AND THE INSURANCE OF DEPENDENCY AND FOR THE ONE THAT ESTABLISHES CERTAIN TRIBUTARY NORM In the preamble of the Law he settles: the novation of the mortgage loans for the sake of the debtor turns out to be made difficult by the restrictive interpretation that of the concept of modifying novation was doing the Law 2/1994, of March 30, on substitution of mortgage loans. What now is adopted is a wider interpretation of when modifying novation exists, so that it is considered that there exists mere modification and not extinction of the juridical relation and constitution of a piece of news in the following assumptions: enlargement or reduction of capital, the service or modification of the personal guarantees, alteration of the conditions of the initially agreed or current interest rate; alteration of the term, of the method or system of amortization and of any other financial conditions of the loan.

Comment number: 215

Name: carmen

On Tuesday, January 13, 2009 to 0:57:29 PM PM

       Which is the protest page? I called into question the possibility of a novation to them and they said to me that NOT ROUND. But that since it is, if I want a review less than me to ask for the roles to realize this possibility.

Comment number: 214

Name: carlos

On Tuesday, January 13, 2009 to 0:55:16 PM PM

       I believe that there is serious the legal base that we have to try that UCI changes to us the reference of the interest rate of IRPH TO EURIBOR LAW 41/2007, OF DECEMBER 7, BY THAT THE LAW IS MODIFIED 2/1981, OF MARCH 25, OF REGULATION OF THE MORTGAGE MARKET AND OTHER NORMS OF THE MORTGAGE AND FINANCIAL SYSTEM, OF REGULATION OF THE INVERSE MORTGAGES AND THE INSURANCE OF DEPENDENCY AND FOR THE ONE THAT ESTABLISHES CERTAIN TRIBUTARY NORM In the preamble of the Law he settles: the novation of the mortgage loans for the sake of the debtor turns out to be made difficult by the restrictive interpretation that of the concept of modifying novation was doing the Law 2/1994, of March 30, on substitution of mortgage loans. What now is adopted is a wider interpretation of when modifying novation exists, so that it is considered that there exists mere modification and not extinction of the juridical relation and constitution of a piece of news in the following assumptions: enlargement or reduction of capital, the service or modification of the personal guarantees, alteration of the conditions of the initially agreed or current interest rate; alteration of the term, of the method or system of amortization and of any other financial conditions of the loan.

Comment number: 213

Name: carmen

On Tuesday, January 13, 2009 to 0:48:22 PM PM

       I believe that there is serious the legal base that we have to try that UCI changes to us the reference of the interest rate of IRPH TO EURIBOR LAW 41/2007, OF DECEMBER 7, BY THAT THE LAW IS MODIFIED 2/1981, OF MARCH 25, OF REGULATION OF THE MORTGAGE MARKET AND OTHER NORMS OF THE MORTGAGE AND FINANCIAL SYSTEM, OF REGULATION OF THE INVERSE MORTGAGES AND THE INSURANCE OF DEPENDENCY AND FOR THE ONE THAT ESTABLISHES CERTAIN TRIBUTARY NORM In the preamble of the Law he settles: the novation of the mortgage loans for the sake of the debtor turns out to be made difficult by the restrictive interpretation that of the concept of modifying novation was doing the Law 2/1994, of March 30, on substitution of mortgage loans. What now is adopted is a wider interpretation of when modifying novation exists, so that it is considered that there exists mere modification and not extinction of the juridical relation and constitution of a piece of news in the following assumptions: enlargement or reduction of capital, the service or modification of the personal guarantees, alteration of the conditions of the initially agreed or current interest rate; alteration of the term, of the method or system of amortization and of any other financial conditions of the loan.

Comment number: 212

Name: carmen

On Tuesday, January 13, 2009 to 0:43:49 PM PM

       Which is the protest page? I called into question the possibility of a novation to them and they said to me that NOT ROUND. But that since it is, if I want a review less than me to ask for the roles to realize this possibility.

Comment number: 211

Name: carlos

On Tuesday, January 13, 2009 to 9:13:07 AM AM

       hello teresa now I will get on the page ke a person set to join us, modality ami mail I have no Internet and enter from the work for ke it is intranet and in few places it stops I was bringing in for ke this restrinjido almost todo.yo ke muxos you are saying that ke you an saying ke not of changing to euribor is true for ke I yame and they said to me that the mismo.pero the person ke I look for the bank that is to say the thieves of this UCI.el trying to speak with them for ke spend it to me to euribor ke it does not go aconseguir nothing for ke the buxacas already has them yenas.asi ke me keda a pekeya gives hope of ke to this week let's say the opposite to myself and let's say ke if to podido.ya I will tell you when me yame.

Comment number: 210

Name: Desiree

On Monday, January 12, 2009 to 9:11:57 AM PM

       My mail: carmen_gago@hotmail.com

Comment number: 209

Name: carmen

On Monday, January 12, 2009 to 9:05:21 AM PM

       After reading all your comments like affected of UCI, I have been investigating in the Web of the Spanish Bank and have found the portal of the bank client in which the conditions are detailed to interpose a claim, complaint or consultation, but to interpose it it is necessary like previous step to contact with attention to the client of UCI, of a reliable way, we can allege the Law 41/2007 of December 7 so that he thinks that the change of reference of the interest rate is a novation and is not proceeding to cancel and to constitute a mortgage again with the excessive expenses that it supposes as regards the novation. And if it does not meet our demands if we will be able to interpose a claim before the Spanish Bank.

Comment number: 208

Name: carmen

On Monday, January 12, 2009 to 7:45:25 AM PM

       Hello to all: All that you have sent to me a mail have been answered by you. We hope that all that you are appearing in this forum you should join also and should send to us an email. And to look in other forums, I am sure that they will turn out to be more affected. We ask you to write the correct direction since I have had some problem. By the way there are usually problems with hotmail and in particular I could not have contacted with VICTOR of the comment 195. If you can send a mail that is not of hotmail. THANK YOU.

Comment number: 207

Name: ANTONIO

On Monday, January 12, 2009 to 7:14:00 AM PM

       I have been calculating the irph boxes of the year 2006 2007 and 2008 that is the one that I have and in all it leaves that doing the average of last 3 euribor before the review and adding a point to him more or less it gives you the result. Of being so it would begin going down from January I believe than to 6.00. to all those who have checked him to last that years as to me you will realize that the euribor rose very much the summer months that's why it has raised us so much. anyway the irph is always over the eubiror and as we depend on the boxes and the things are as they are not what it was spending, but if the accounts go out for me and I wait that if it should going down and very much from January and but empezemos praying.

Comment number: 206

Name: prop

On Monday, January 12, 2009 to 5:47:01 AM PM

       UNAMONOS.... ALL THAT MORE BETTER!!!!! SOMETHING HAVE OBTAIN

Comment number: 205

Name: javier

On Monday, January 12, 2009 to 5:43:42 AM PM

       Hello again, according to the teleoperadora of "UCI" with which I have just spoken, they are receiving many calls related to the change of referential in the ultiomos days, but they keep on saying that it is not possible to change for the clauses of the writing. This is necessary to move it; we cannot allow to have us with a gag and without a five-peseta coin. javier.riesco@hotmail.com

Comment number: 204

Name: javier

On Monday, January 12, 2009 to 5:07:34 AM PM

       On the comment 110 and 111 of desiree to say to him that I should write myself or that she should leave his mail because we are getting in touch to do some action, also goes for all, all that more let's be better. My mail is set075@yahoo.es

Comment number: 203

Name: Teresa

On Monday, January 12, 2009 to 0:45:42 PM PM

       Hello I also am a victim of these thieves, in addition two mortgage credits did to me one related to other. It turns out that in the second credit I am paying 8 with the differential. Almost the same that with the personnel. I called to change to the euribor and they said to me that at least not even doing a novation. I believe that we should join and besiege them to emails where it needs. my contact is cperezgonzalez@gmail.com or carlos.perez@axa-tech.com We are in contact.

Comment number: 202

Name: carlos

On Monday, January 12, 2009 to 0:32:03 PM PM

       good morning I believe that I am not the only one that is with UCI and it seems to me that like the rest I am not satisfied, especially with the IRPH boxes, that it seems that only it rises although the euribor goes down. Not if it will be possible that they were answering me this comment and were saying to me for when it is foreseen that the IRPH lowers boxes, because it gives me the impression that will never go down and that I am convicted to keep on paying increasingly. Thank you

Comment number: 201

Name: alejandro fernandez

On Monday, January 12, 2009 to 10:38:05 AM AM

       I see that I am not the only one that this one with UCI.ami they me it painted also everything very nice one and that was the only bank that the hipoteca.y was giving me it looks at alone payment be of interest and I started with 1.278 euros and now they give me another stick 1.448 euros.me are looking of spending it to me to euribor, but that I it see crudo.y above now with 43 million no bank my mortgage takes me why my apartment now his appraisal is to infer that is to say that into top we nor can change of bank for mejorar.pidamos a miracle why if not uci they take everything from us.

Comment number: 200

Name: desiree

On Monday, January 12, 2009 to 10:24:19 AM AM

       hello so since you see I am the affected one of the IRPH, if you say that the increase is evident little when it rises already he will say if 170 euros it is small why it will be for the rich ones for ke for a person that he receives with his couple a whole for 2000 euros and a mortgage for 1.448 euros, poes redonden more omenos ke there to me that I have left to live through nothing for ke are more expenses in an apartment, so my comment is that you lower the IRPH why but you will see the same situation as to past with the uribor that the people cannot pagar.gracias

Comment number: 199

Name: DESIREE

On Sunday, January 11, 2009 to 1:39:46 AM PM

       hello I have a mortgage with the swindlers uci the monthly level happen of 500e to 770e in less than three years they promised me a few conditions and they have made me sign others and everything is for qe meet encapaz of paying and so that it is they who take possession of the apartment and her remain sara this the price of the capitalist system that the poor have to pay to the rich ones what we all are deacuerdo is that uci is a swindler and me proposed to present a collective complaint to the in charge department me one to you mamimami467@caramail.com is that the govierno has to take control of a greeting to all

Comment number: 198

Name: moha

On Sunday, January 11, 2009 to 9:15:04 AM AM

       Hello Víctor Manuel I have tried to order you a mail but I do not know because it does not order it to me, order it you

Comment number: 197

Name: Teresa

On Sunday, January 11, 2009 to 9:00:25 AM AM

       I agree in the comment 106, the life only is lived once, and I am stopping doing many things to be able to pay the mortgage to these of uci, my mail set075@yahoo.es. I write to you.

Comment number: 196

Name: Teresa

On Sunday, January 11, 2009 to 4:46:19 AM AM

       hola.tengo a mortgage of 340.000 € with the thieves of white gloves called or c i I take only one year paying a letter of 1160 € up to well at the age of 6 months of paying this cantida they order me a letter which that says q note from 2009 1700 € it was not it q we match they would be two years old as he says in his publicity. good to say to you that there cannot hacerno this you intentions to put solution to this already let's look for the solution q like everything in the life the tiene.y to those that are not victims even to say to them that jamas.jamas I never repeat sign nothing with them, you will always be grateful to me for it they you give everything, but also they you remove everything leave you in the street and nothing matters for them. and seen superficially all of them are married by me and everything is the same I ask you that just as we it put aki the llebemo to end and to leave us of stealing asin so shameless mind we are great and slightly sure that we obtain left my mail to you some inform us others let's stop working only to pay a heap of bricks and let's come out of going to have dinner to a restaurant with your couple and enjoy the weeks ends and not to remain at home that the life only is lived once and they are two days old and we spend one working.victor m.j.25@hotmail.com

Comment number: 195

Name: vctor manuel

On Saturday, January 10, 2009 to 8:12:54 AM PM

       Hello to all, to get in touch in sgmyacf@hotmail.com or in acp001@terra.es and we are joining. They are cheating us and two or three we do not do anything but together many yes, the qe is necessary. Even prnto

Comment number: 194

Name: Sonia

On Saturday, January 10, 2009 to 8:07:14 AM PM

       Hello again. It seems that some of you have already contacted. If it is not like that you can look at a pair of diecciones of email that 186 and 187 appear in the comments. HOW MANY MORE ARE WE BETTER. I hope between all we press to this riffraff. For example it happens to me to consult with some consumer society. Or perhaps some of you is met by some specializing or notarial lawyer who should advise us. Or perhaps let's be able to do claims in mass of all affected to the Spanish Bank. Or what occurs to you. It would be very interesting that we had a list of all that we are in a similar situation. To send an email to be in contact.

Comment number: 193

Name: ANTONIO

On Saturday, January 10, 2009 to 7:42:51 AM PM

       Hello again. It seems that some of you have already contacted. If it is not like that you can look at a pair of diecciones of email that 186 and 187 appear in the comments. HOW MANY MORE ARE WE BETTER. I hope between all we press to this riffraff. For example it happens to me to consult with some consumer society. Or perhaps some of you is met by some specializing or notarial lawyer who should advise us. Or perhaps let's be able to do claims in mass of all affected to the Spanish Bank. Or what occurs to you. It would be very interesting that we had a list of all that we are in a similar situation. To send an email to be in contact.

Comment number: 192

Name: ANTONIO

On Saturday, January 10, 2009 to 1:28:14 AM PM

       Hello To all. I have a mortgage with UCI three years ago, with Irph boxes. I agree with what you say, I began paying seven hundred and peak and they checked me in December and now I pay 1200. This year, on having done the income tax return in an agent, they said to me that what they were doing to me in the mortgage was a theft. I called last month Uci pk I have it difficult already to confront the quotas q I am unemployed and they are giving to you you chatter. Do I propose to you to join all and let's look of taking advice I hope we can do something, as you see it? My mail is Joined sgmyacf@hotmail.com we will be able to do more. A greeting!

Comment number: 191

Name: Sonia

On Saturday, January 10, 2009 to 1:09:33 AM PM

       Hello To all. I have a mortgage with UCI three years ago, with Irph boxes. I agree with what you say, I began paying seven hundred and peak and they checked me in December and now I pay 1200. This year, on having done the income tax return in an agent, they said to me that what they were doing to me in the mortgage was a theft. I called last month Uci pk I have it difficult already to confront the quotas q I am unemployed and they are giving to you you chatter. Do I propose to you to join all and let's look of taking advice I hope we can do something, as you see it? My mail is Joined sgmyacf@hotmail.com we will be able to do more. A greeting!

Comment number: 190

Name: Sonia

On Saturday, January 10, 2009 to 1:01:55 AM PM

       Hello To all. I have a mortgage with UCI three years ago, with Irph boxes. I agree with what you say, I began paying seven hundred and peak and they checked me in December and now I pay 1200. This year, on having done the income tax return in an agent, they said to me that what they were doing to me in the mortgage was a theft. I called last month Uci pk I have it difficult already to confront the quotas q I am unemployed and they are giving to you you chatter. Do I propose to you to join all and let's look of taking advice I hope we can do something, as you see it? My mail is Joined sgmyacf@hotmail.com we will be able to do more. A greeting!

Comment number: 189

Name: Sonia

On Saturday, January 10, 2009 to 0:56:03 PM PM

       Hello To all. I have a mortgage with UCI three years ago, with Irph boxes. I agree with what you say, I began paying seven hundred and peak and they checked me in December and now I pay 1200. This year, on having done the income tax return in an agent, they said to me that what they were doing to me in the mortgage was a theft. I called last month Uci pk I have it difficult already to confront the quotas q I am unemployed and they are giving to you you chatter. Do I propose to you to join all and let's look of taking advice I hope we can do something, as you see it? My mail is Joined sgmyacf@hotmail.com we will be able to do more. A greeting!

Comment number: 188

Name: Sonia

On Saturday, January 10, 2009 to 0:45:56 PM PM

       Hello To all. I have a mortgage with UCI three years ago, with Irph boxes. I agree with what you say, I began paying seven hundred and peak and they checked me in December and now I pay 1200. This year, on having done the income tax return in an agent, they said to me that what they were doing to me in the mortgage was a theft. I called last month Uci pk I have it difficult already to confront the quotas q I am unemployed and they are giving to you you chatter. Do I propose to you to join all and let's look of taking advice I hope we can do something, as you see it? My mail is Joined sgmyacf@hotmail.com we will be able to do more. A greeting!

Comment number: 187

Name: Sonia

On Saturday, January 10, 2009 to 11:38:44 AM AM

       I also did it with U.C.I. because I had already formed varis mortgages with them and all without problems, although always with euribor. This time I allowed myself to cheat and took the IRPH. Consequence: most of the quotas go down and ours rises. IS LEGAL THE IMPEDIMENTS THAT THEY PUT AND THE MONEY THAT THEY WANT TO RECEIVE IF WE CHANGE THE INDEX?. WHERE US CAN WE INFORM THAT IT SHOULD BE TRUSTWORTHY?. IT IS PROBABLE THAT A LEGAL AND SLIGHTLY COSTLY SOLUTION EXISTS AND LET'S NOT KNOW IT. WE SHOULD JOIN THE WHOLE AFFECTED OOS AND DO PRESSURE TO THIS ENTITY. IF YOU ARE ALREADY MOVING I ASK YOU TO WRITE TO acp001@terra.es

Comment number: 186

Name: ANTONIO

On Saturday, January 10, 2009 to 10:21:10 AM AM

       I also did it with U.C.I. because I had already formed varis mortgages with them and all without problems, although always with euribor. This time I allowed myself to cheat and took the IRPH. Consequence: most of the quotas go down and ours rises. IS LEGAL THE IMPEDIMENTS THAT THEY PUT AND THE MONEY THAT THEY WANT TO RECEIVE IF WE CHANGE THE INDEX?. WHERE US CAN WE INFORM THAT IT SHOULD BE TRUSTWORTHY?. IT IS PROBABLE THAT A LEGAL AND SLIGHTLY COSTLY SOLUTION EXISTS AND LET'S NOT KNOW IT. WE SHOULD JOIN THE WHOLE AFFECTED OOS AND DO PRESSURE TO THIS ENTITY. IF YOU ARE ALREADY MOVING I ASK YOU TO WRITE TO acp001@terra.es

Comment number: 185

Name: ANTONIO

On Friday, January 09, 2009 to 5:06:05 AM PM

       I did not do it with the UCI but also they cheated me recommending to me the IRPH, beginning paying 708 euros in 2006 and paying 1000 now and in the next review prevee that will be a 1200. I have found out that there are already the people to whom they have changed to the euribor, I have tried it and many impediments put it to me, but asking straight a notary, it turns out that there are 300 euros + record + 1 % of tax on the difference of 2 differential based on the hanging capital, what in whole does not overcome 1000 euros, that is to say that in 3 months it would recover them. culprit that the solution is going to be to put pressure giving them the notice of which I will not be able to pay the quota to them and if they do not pay attention, automatically to stop paying, already you will see as then they will sit down to negotiate without snags...

Comment number: 184

Name: Javier

On Friday, January 09, 2009 to 3:18:02 AM PM

       Since I see nobody are we satisfied with uci, feel cheated, I agree with mistery we cannot join and do anything? if you want my telf happened to you

Comment number: 183

Name: TERESA

On Friday, January 09, 2009 to 1:11:43 AM PM

       The worst of all gentlemen is that we have it put well highlight in the writing and we fell down like idiots when they were painting it to us so well that of the bank, and that any change that we do in what puts the writing that we sign supposes a money, greetings and to hope that the irph should go down for the next year

Comment number: 182

Name: Thunder

On Friday, January 09, 2009 to 0:18:52 PM PM

       AFFECTED OF "UCI" I FEEL ALL TO COMMUNICATE TO YOU THAT AFTER TELEPHONE CONVERSATION SUPPORTED WITH THIS "RIFFRAFF", THE CHANGE OF TYPE IS NOT POSSIBLE OF REFERENTIAL FOR THE MORTGAGES SIGNED WITH THEM ACCORDING TO THE WRITING THAT WE ALL HAVE SIGNED. TODAY THE INTEREST OF THIS IRPH TO 6.33. DARLINGS TO BE PAID CALL US. GREETINGS

Comment number: 181

Name: javier

On Friday, January 09, 2009 to 11:40:32 AM AM

       FIRST I WANT TO ANSWER TO JAIME, AND I AM SORRY TO COMMUNICATE TO YOU THAT SINCE "UCI" (the usurers), TAKE THE REFERENTIAL ONE OF THREE MONTHS EARLIER TO CARRY OUT THE REVIEWS, THE QUOTA WILL RAISE YOU. I HAVE THE SAME TIME THAT YOU AND IT WILL RAISE ME. I BELIEVE THAT WE ALL SHOULD JOIN THE AFFECTED ONES BY THE SWINDLE OF "UCI" AND TAKE LEGAL MEASURES; IF THE FACT IS THAT THEY ARE; AGAINST THEM FOR USURY AND TRICK. THEY NEVER GIVE TRUTHFUL TELEPHONE INFORMATION, ALONE YOU FIND OUT ABOUT EVERYTHING WHEN THE RECEIPT COMES TO YOU AND YOU CANNOT ALREADY DO ANYTHING. WELL CAUGHT FRIENDLY PAYERS HAVE US!! ¡ ¡ ¡ Or N To M Or N O S C O N T R A And L A B U S O!!!!

Comment number: 180

Name: JAVIER

On Thursday, January 08, 2009 to 9:36:23 AM PM

       Hello, I also have the mortgage with UCI 3 years and I am of acuerda with comment n 88, now double payment. IT IS A THING TO DENOUNCE!!!

Comment number: 179

Name: Helen

On Thursday, January 08, 2009 to 7:08:47 AM PM

       Good evening, I have the review now in February with UCI and I would like knowing if me bajra I have the quota, the review half-yearly and the last one the tube in August and am paying to 6.29 6.044 seems to me, because in the role that they order me a month, 6.29 put type of unethers to me, refrencia remaining effective cost 6.47. I imagine q it will be the one that puts interest to 6.29, and there I imagine the differential will be added with them of 0.25. Was I bending now in February? Another thing, only I do that to listen to lagente to UCI, and it is true is a shit, you engañancomo want. DO NOT RELY ON UCI.

Comment number: 178

Name: jaime

On Thursday, January 08, 2009 to 5:07:07 AM PM

       Hello, I tb have the mortgage with uci. I hired it with a quota of 400 and now I pay the double. I.R.P.H. + 0.25. I am not satisfied at all with them, they informed me very badly and dumb I and with hurries I did not ask too much either. Anyway, I think that this is one it defrauds and my question is. Cannot we denounce these people? Puenden to do with us what they of the desire? Damned he-goats!!

Comment number: 177

Name: mistery

On Thursday, January 08, 2009 to 3:43:26 AM PM

       I have the mortgage with uci keria to know if combiene to continue with them or to change to another bank I have the interest for iprh boxes and in one year they have raised me 200euros nobody k I know that this one satisfied with them x favor someone can face me

Comment number: 176

Name: noelia

On Thursday, January 08, 2009 to 1:39:12 AM PM

       Do I also have the mortgage with UCI, and this month it has raised 188 euros to me, can anybody say to me if it is better to change to euribor?

Comment number: 175

Name: Teresa

On Monday, January 05, 2009 to 0:18:31 PM PM

       CERTAINLY IN "UCI" THEY PROPOSE TO ME TO CHANGE TYPE PAYING THE NICE QUANTITY OF ALMOST 12.000e THIEVES... THIEVES... THIEVES

Comment number: 174

Name: javier

On Monday, January 05, 2009 to 0:14:48 PM PM

       "UCI" that big swindle, they are the biggest usurers who exist and sight that is difficult. When you call them asking for information every time they tell you a history. The reality is uqe the IRPH is a trick it does not stop rising and nobody intervenes in this interest rate. And or at present I am paying to UCI (the thieves) if I go so far as to know it earlier; the not despicable at all quantity of 1670e. and ne in February they check me that I have half-yearly and they have already said to me by phone that I will have an increase of some 108e. To say to me if one is not a real swindle. DO YOURSELVES TO CHEAT FOR "UCI" not for irph IT DEFRAUDS.... IT DEFRAUDS... IT DEFRAUDS... IT DEFRAUDS

Comment number: 173

Name: javier

On Tuesday, Dec 30. of 2008 to 9:28:43 AM PM

       HOLA.TENGO A LOAN AND IN THE LAST YEAR HAVE THEY CHECKED IT TO ME AT THE AGE OF 6 MONTHS, RAISING EVERY TIME ABOUT 80 EUROS.ALQUIEN TO ME HE COULD SAY TO ME WITH CERTAINTY HOW IS THE IRPH CALCULATED? AFTER 2 YEARS OF PAYING IT AND RAISING THE MORTGAGE TO ME COULD IT HAPPEN? TO EUROIBOR? IT WOULD BE BETTER OR NOW IT GOES IT IS TO LOWER IRPH AND TO RAISE THE EUROIBOR

Comment number: 172

Name: aurelian

On Tuesday, Dec 30. of 2008 to 7:43:44 AM AM

       hello, they offer me 1st year euribor+0,25 and 2ºaño and following IRPH to 90 % without considering the first year (logical thing), not if the differential between the Euribor and the IRPF is going to go down, since right now it is 1,90 points (6.258 IRPH opposite to 4,35 the Euribor) to calculate the IRPH to 90 % takes an average of last 6 months of the IRPH considering the last two let's turn. It is supposed that the IRPH for the next year will go down. what do you think, that it is better to take this loan or going straight to an EURIBOR+diferencial Gracias

Comment number: 171

Name: dani

On Tuesday, Dec 30. of 2008 to 7:35:13 AM AM

       hello, they offer me 1st year euribor+0,25 and 2ºaño and following IRPH to 90 % without considering the first year (logical thing), not if the differential between the Euribor and the IRPF is going to go down, since right now it is 1,90 points (6.258 IRPH opposite to 4,35 the Euribor) to calculate the IRPH to 90 % takes an average of last 6 months of the IRPH considering the last two let's turn. It is supposed that the IRPH for the next year will go down. what do you think, that it is better to take this loan or going straight to an EURIBOR+diferencial Gracias

Comment number: 170

Name: dani

On Monday, Dec 29. of 2008 to 1:32:40 AM PM

       I have a mortgage with UCI of IRPH +0,75 it touches me review in April. Since I see that the Euribor is in free fall and the IRPH ignores: is it interesting to me to change to Euribor or another banking institution?

Comment number: 169

Name: Juan

On Saturday, Dec 27. of 2008 to 9:24:44 AM PM

       Do I have a mortgage with UCI to 40 years, they me have just done the review to 6,53 with the IRPH, you believe that it would be better to change it to another bank? I believe that these of UCI are a few usurers.

Comment number: 168

Name: Skill

On Friday, Dec 26. of 2008 to 7:28:31 AM PM

       I have a mortgage to 18 years with irph boxes less 0,25 and the irph not of to rise I believe that the irph is a rip-off.

Comment number: 167

Name: girish

On Monday, Dec 22. of 2008 to 9:32:42 AM PM

       hey friends that it seems to you of the UCI? the urgencies bank

Comment number: 166

Name: mauricio

On Monday, Dec 22. of 2008 to 10:45:20 AM AM

       The difference between euribor and IRPH in November is 2 points, I never dress: But how can it be that the IRPH keeps on rising? When the euribor was raising the IRPH it was rising almost to the same rhythm. And now when the euribor is in free fall the IRPH it remains calm. I cannot believe it. Do you believe that in the next months it will go down in good rhythm?

Comment number: 165

Name: antonio

On Sunday, Dec 21. of 2008 to 6:42:04 AM PM

       I have a mortgage to 20 years with irph +0,50 +el 2 % per year. I pay approximately 450 euros and I have left a little more than ten years, in the bank they say to me that it me is not worth it of changing aotro type into the expenses that it transports and the saving would be minimal or none.

Comment number: 164

Name: david

On Sunday, Dec 21. of 2008 to 0:58:22 PM PM

       I have a mortgage to 35 years with irph boxes less 0,25 and the irph not of to rise I believe that the irph is a rip-off.

Comment number: 163

Name: david

On Friday, Dec 19. of 2008 to 10:46:07 AM AM

       The IRPH is rising in November has been located in 6,34. I believe that it would be necessary to intervene in these cases because the EURIBOR LOWERS THE MONEY ALSO BUT THE TYPE OF THE IRPH RISES. THE MASS MEDIA DO NOT STOP SAYING THAT THEY LOWER MORTGAGES BUT IT IS A LIE

Comment number: 162

Name: LOLA

On Friday, Dec 12. of 2008 to 8:39:24 AM PM

       It touches me the review of the quota of the mortgage in February, 2009, the mortgage is with UCI and the type of reference is IRPH boxes (the last review stayed in 6,13 %), I would like knowing if it is worth moving me to me to change it to Euribor with a banking institution.

Comment number: 161

Name: Marcos Hernandez Gomez

On Friday, Dec 12. of 2008 to 6:41:49 AM PM

       Does anybody know like this one at present the irph? is it going to go down so much like the euribor? I have a mortgage of a place to 30 years with caixa laietana and pay 910e me qdan 28 years, nose if to look of changing it to another bank and putting it to 20 years with the calculators q there am x Internet I qda a quota as her q pay now and I would come out 8 years, to advise me, thank you.

Comment number: 160

Name: ruben

On Thursday, Dec 11. of 2008 to 3:01:57 AM PM

       Hello I wanted that someone was informing me of the mortgage that it hires when it was still a little, we say, ignorant and was wanting of that they were giving me the money to buy to me a house, the question is the following one. I have a mortgage with the bank banesto, the conditions are the following IRPH CONJ+0.20: DO YOU BELIEVE THAT THEY HAVE DEFRAUDED ME?

Comment number: 159

Name: YUSEF

On Thursday, Dec 11. of 2008 to 3:00:04 AM PM

       I HAVE WITH UCI MORTGAGE IRPH-0.17 PAYMENT 807.73 €. I HAVE THE REVIEW IN JANUARY, IT IS GOING TO RAISE ME OR IS NOT BETTER IRPH-0.17 THAN EURIBOR+0.50. IN THIS MOMENT AS THIS ONE LOWERING THE EURIBOR I AM MADE A FOUL-UP SAY SOMETHING TO MYSELF PLEASE THANK YOU

Comment number: 158

Name: alfonso

On Wednesday, Dec 10. of 2008 to 6:13:39 AM PM

       HELLO I HAVE AN IRPH-0.15 AND I WOULD LIKE KNOWING HOW I WILL HAVE LEFT THE MORTGAGE THIS YEAR WHEN THEY DO THE REVIEW TO ME IN FERBRERO.GRACIAS

Comment number: 157

Name: JAIME SIRVENT

On Wednesday, Dec 10. of 2008 to 2:41:54 AM PM

       do I have irph cajas+0,50 and my fear is if the year q comes it will keep on rising? Thank you

Comment number: 156

Name: silvia

On Tuesday, Dec 09. of 2008 to 0:32:43 PM PM

       I would like to know to date of these moments that it would be interesting to me more if to sign a mortgage to euribor+0.30 with links of payroll, insurance life and hearth or from 2nd years to 90%del irph having maximum limit euribor+1y like minimal euribor+0.25 and the first year 80 % irph and maximum limit euribor+0,25.agradeceria your ayuda.muchas thank you.

Comment number: 155

Name: maria

On Tuesday, Dec 09. of 2008 to 0:24:42 PM PM

        someone knows where I can consultarel the irph actalizado he is decirel of noiembre greetings

Comment number: 154

Name: david

On Tuesday, Dec 09. of 2008 to 0:18:49 PM PM

       HELLO I HAVE AN IRPH-0.10 AND I WOULD LIKE KNOWING HOW I WILL HAVE LEFT THE MORTGAGE THIS YEAR WHEN THEY DO THE REVIEW TO ME IN ENERO.GRACIAS

Comment number: 153

Name: MARIOLA

On Monday, Dec 08. of 2008 to 2:25:27 AM PM

       hello, I have irph + 0, and I am checked in January I would like knowing all that is now t the tendency that it will have by that time, thank you.

Comment number: 152

Name: carlos

On Thursday, Dec 04. of 2008 to 11:57:47 AM PM

       hello I have my mortgage with a bank which the interest rate is the irph +0.50, to date of today that they have lowered the interest rate up to 2.5 I would like knowing if when renuene, in March they were lowering the quota of 6.11 to me that I am and I will be `pagando until the month of marzo.gracias, if someone could answer me.

Comment number: 151

Name: javier

On Thursday, Dec 04. of 2008 to 4:30:07 AM PM

       Hello, I have a mortgage with irph + 0,75. Is that normal? should I ask them to check it to me and/or canviarme of bank? Thank you very much

Comment number: 150

Name: hector

On Thursday, Dec 04. of 2008 to 1:54:57 AM PM

       I have a mortgage irph more 0 wanted to know if even in April it was going so far as to go down more. at present I have it almost to 6.

Comment number: 149

Name: angel

On Wednesday, Dec 03. of 2008 to 5:54:55 AM PM

       thank you juan for the answer greetings david

Comment number: 148

Name: david

On Wednesday, Dec 03. of 2008 to 4:15:22 AM PM

       so if that will have gone down, tomorrow the bce has to lower the interests, I believe that in June we will be between 2 % i 2.5 %. it is the only way so that the people consume again since 2009 will be hard

Comment number: 147

Name: juan

On Monday, Dec 01. of 2008 to 6:46:19 AM PM

       I have a mortgage with the cam my review is in July you believe that for in tonces it will have gone down to at present I have it to 5,25 more or, 25 someone can answer me this question

Comment number: 146

Name: david

On Monday, Dec 01. of 2008 to 1:52:04 AM PM

       Hello, do I have a mortgage with the UCI, my review has been in November, and which my surprise, that thinking that it was going to lower me it turns out that it raises 103 euros put to the speech to me they say to me that the review is for ls last 6 months, I pay 6,60 %, it is interesting to me to change it?

Comment number: 145

Name: Bethlehem

On Saturday, November 29, 2008 to 9:59:21 AM AM

       Hello good, I have a mortgage with UCI, IRPH + 0,35, they check me in (half-yearly) January and I am acojonao because I do not see that it is going to go down, this November it has not even moved, I am reading that there exists the possibility of changing type of ref, you might say to me as, and the costs that it bears. thank you.

Comment number: 144

Name: I run

On Friday, November 28, 2008 to 10:08:23 AM AM

       Good morning: I have an IRPH+0,00 and suddenly they inform me that it has raised almost 1 and peak, cuano they said to me that is a scale that does not rise and goes down scarcely, although this one over the euribor, I have a credit bridge that started this month starting from zero and to pay two apartments, because one did not bandage it.... and above 250 has raised me € with this increase, I begin in December paying, but I cannot support this increase.... do not gain not of laugh, 1350 € that is what I must pay.... That I can do... I feel cheated, with this interest rate, A greeting Lola

Comment number: 143

Name: LOLA

On Thursday, November 27, 2008 to 9:07:46 AM PM

       I have irph-0,10, and it touches me the review in March: is the letter going to lower me? would it be advisable to change to the euribor? in this month it lowers that it lowers the euribor and the irph does not even move... thank you

Comment number: 142

Name: to stop

On Thursday, November 27, 2008 to 8:33:40 AM PM

       hello, I have a mortgage with uci with the IRPH caja+0, in March I renew and I would like to know if the mortgage is going to raise me very much. at present I pay 1220 €. thank you

Comment number: 141

Name: maria

On Wednesday, November 26, 2008 to 0:30:05 PM PM

       Hello I have a mortgage with UCI with the value IRPH boxes, the first 5 years only I pay interests and have the review the February, 2009, I would like knowing if the quota is going to raise me and if there is some possibility of changing to euribor although if it is like that I suppose that I will lose everything what he has paid till now (only be of interest), the truth is that when I signed I did not look at anything and it created that they me teased. Thank you

Comment number: 140

Name: Cati

On Tuesday, November 25, 2008 to 3:56:53 AM PM

       So, bad news for those who wait that the IRPH should go down, for October, 2008 it is quoted in 7 %. All earrings of the EURIBOR have left the savings banks that do his. I try to pay 800 € of expenses to go on to another index, possibly I change to a bank than with the boxes...

Comment number: 139

Name: The Affected one

On Tuesday, November 25, 2008 to 3:32:12 AM PM

       So, bad news for those who wait that the IRPH should go down, for October, 2008 it is quoted in 7 %. All earrings of the EURIBOR have left the savings banks that do his. I try to pay 800 € of expenses to go on to another index, possibly I change to a bank than with the boxes...

Comment number: 138

Name: The Affected one

On Tuesday, November 25, 2008 to 10:08:52 AM AM

       Hello to all, The month of "December" the mortgage regulates me. I have IRPH and he says to me the bank that is regulated by the index of IRPH of "September", 3 previous months of the month of regulation!? That is like that!? I would not have to be the regulation of the same December!?? Thank you

Comment number: 137

Name: Pako

On Sunday, November 23, 2008 to 9:01:33 AM PM

        hello I have a mortgage in the caixa to 5.54 irph do the review to me at the beginning of February, I would like to know and it will raise me or I was going down, dawn

Comment number: 136

Name: auroa

On Sunday, November 23, 2008 to 6:44:22 AM PM

       Hello I have a mortgage in the santander that is checked in March, 2009, I would like knowing the month that the euribor applies to me to update it. I have understood that they are two months old earlier. Thank you

Comment number: 135

Name: Luis

On Thursday, November 20, 2008 to 9:17:18 AM PM

       Hello! I have a mortgage to 40 years with I.R.P.H + 0 in Caixa de Sabadell which they will check me on January 31 wanted to know if: will it lower the quota? and in case of not being like that, is it better to change to the euribor?

Comment number: 134

Name: Raquel

On Thursday, November 20, 2008 to 10:51:21 AM AM

       Hello I would like to know cul it is the tendency of the irph boxes for 2009. Can it keep on rising although the euribor goes down?

Comment number: 133

Name: Israel

On Thursday, November 13, 2008 to 0:00:42 PM PM

       hello I have a mortgage with uci and have it with irph+0.65 and pay 1273 euros the review have it in February, 2009 I would like to know if it would compensate me to change to euribor or on the contrary to remain how is life, but extending years since I have 30 and I have left 27 for paying and slope is done to me much above to pay this quota on having been desemplado thank you

Comment number: 132

Name: jose

On Saturday, November 08, 2008 to 11:04:49 AM AM

       I have a mortgage the caixa to the IRPH-0.10, HAVE THE REVIEW IN MARCH, 2009, have it to 5,50. deveria to change type of reference?

Comment number: 131

Name: VICTOR

On Wednesday, November 05, 2008 to 0:00:25 PM PM

       hello, do they check the mortgage to me annually, the next one touches me in February of 2009.mi interest rate depends of irph+conj ent+0.35 as the things go with the euribor, my mortgage will notice the descent or this index q I have it will go to the rise?? thanks for attending to me. carmen.

Comment number: 130

Name: CARMEN

On Tuesday, November 04, 2008 to 4:28:17 AM PM

       I have a mortgage in the Kutxa from last year indexed to the IRPH + 0 fix the first two years 5,25 and with roof two following years. I am very satisfied with the Kutxa, why although it is true that I pay a little more, my link with them is zero. The euribor is always slightly lower, but it fluctuates very much and "madman" turns you every year. I pay a little more (this second year less than the euribor) but they do not demand any link from me. The banks what they give you on the one hand take it from you for other. The perfect mortgage does not exist. They all are a theft to armed hand. To a previous question I will say that with the Kutxa, (Basque savings bank) I am pleased. It does not give me any problem, but for tastes are the colors. Greetings

Comment number: 129

Name: LUIS MIGUEL

On Thursday, October 30, 2008 to 0:44:37 PM PM

       I have a mortgage from 2005 and with boxes IRPH, in due time negotiate roof and soil, and I take two years paying below the euribor.

Comment number: 128

Name: quique

On Thursday, October 23, 2008 to 11:11:21 AM PM

       the best thing one is with irph + 0 or if it is negotiated well with a negative very small differential like one irph-0,10

Comment number: 127

Name: pedro

On Saturday, October 18, 2008 to 9:51:30 AM PM

       The irph is published every month, on the 22 or 23rd in the official boletim of the been bank of Spain.irph, eurbo, mint for banks boxes and entities we are big enough ipotecarios

Comment number: 126

Name: manuel goz homp

On Monday, October 13, 2008 to 11:45:30 AM AM

       Hello: My mortgage is checked in February, 2009, I have in a Savings bank to IRPH + 0,25 and they have said to me that they cite as an example the index of three months previous to the expiration. Do you believe that it is a better entity canviarla, or to index euribor? Will this next review raise me very much? Thanks.

Comment number: 125

Name: Maica

On Tuesday, October 07, 2008 to 0:16:43 PM PM

       Hello, I see that we all are in the same ship. I have a mortgage that next March, 2009 it has me to check after 3 years in schedule date. Now I am paying 3,40 % of interest (that madness truth) but in March the review will be IRPH - 0.10. How do I have time for glance, it leaves looking for me on account at another mortgage in another entity with euribor? or better do I bear the soaker of the review...? thank you very much

Comment number: 124

Name: Albert

On Friday, September 19, 2008 to 3:56:10 AM PM

       Hello: I am looking at the possibility of asking for a mortgage with the Kutxa and the truth the fact is that I do not know this box. alguién can he say to me good and bad things of this bank? They offer me an Euribor +0,90 with discounts if you make her discounted, it nominates, insurance of the hearth... and otraposibilidad is the IRPH+0. Cannot I on which decide?. Someone me might I advise in the decision? A greeting and thank you in advance.

Comment number: 123

Name: José Antonio

On Tuesday, August 05, 2008 to 0:35:05 PM AM

       do I want to see if alquien it can help me they have put to me the simulation of a mortgage that is irph-entities x 0,9175 it checks the first tremestre of every year and can this one exempt from commissions.me harm that it is irph and not euribor?? to interest rate 4,975 thank you ivan

Comment number: 122

Name: ivan rodriguez gonzalez

On Monday, August 04, 2008 to 11:49:51 AM PM

       do I want to see if alquien it can help me they have put to me the simulation of a mortgage that is irph-entities x 0,9175 it checks the first tremestre of every year and can this one exempt from commissions.me harm that it is irph and not euribor?? to interest rate 4,975 thank you ivan

Comment number: 121

Name: ivan rodriguez gonzalez

On Wednesday, July 16, 2008 to 1:44:12 AM PM

       I take 4 weeks from one bank to other to hire a mortgage. I believe that the best offer that I have received is one to 30 years that % and renegotiation offers 3 years to fixed type IRPH+0,0 every 3 years, being able to choose every triennio between fixed or variable type and indexes between Euribor+0,75 % or IRPH-0,1 %. The best thing is not to rush. Also it is necessary to look at commissions of study, opening, partial amortization, cancellation and substitution. The important thing is "not to marry" with no entity. After all we speak about my money and to whom I go "to give it to him". Who it wants that it is gained.

Comment number: 120

Name: Pau

On Monday, June 09, 2008 to 10:23:01 AM PM

       also my mortgage with irph, more 0.15, now is slightly lower, but it keeps on being of interest or it is preferable to change to an euribor mortgage, I have the review on June 30, greetings

Comment number: 119

Name: pedro

On Wednesday, June 04, 2008 to 11:20:29 AM AM

       I have my mortgage with IRPH+0 %, my bank offers to change to euribor 0,60 % to me, with the consequent notarial expenses, etc... approximately 600 euros, my question is if it compensates me since I see that in May the euribor closed in 4,99 and the irph is concerning 5,50, to say something to me please, a greeting and thank you

Comment number: 118

Name: javi

On Wednesday, April 16, 2008 to 3:33:45 AM PM

       I am looking at a mortgage and have many doubts. I hope someone can help me. They are offering me two possibilities: 1 - The first year euribor + 0,39 % and the rest of IRPH-0,10 % 2 - The first year euribor + 0,39 % and rest of euribor +0,40 % but with enough links. Can you help me? Thank you

Comment number: 117

Name: Berta

On Thursday, March 20, 2008 to 5:31:30 AM PM

       In these moments: What index is better IRPH or EURIBOR? Where is it possible to see the evolution of the IRPH? Gracis

Comment number: 116

Name: RIKI

On Friday, March 07, 2008 to 8:47:42 AM PM

       gracies for the advice ami those of the kutxa almost put it to me, +0,40 spoke all the euribor time to me but I realized that only 6 months and then irph so care all that nobody allows to make eyes of these at suits, before signing qualquier, mortgages pedeis a copy to the bank and llebar her to qualquier agency to know what you are going to sign, more it costs to pay 40 euros or 100 to an agent than to end up by paying thousands of more to a bank. not holbidais that the tasasion of the apartment has 6 months of valides. so luck to all

Comment number: 115

Name: xxxxx

On Friday, March 07, 2008 to 6:42:59 AM PM

       you ask for a 30 kilos mortgage and have to return 60. What is this? How long are they going to keep on making eyes? And that thing about that we all have right to a worthy housing? Where is this roof to which we all would have to be able to gain access easily?

Comment number: 114

Name: monica

On Monday, February 25, 2008 to 1:13:34 AM PM

       Someone might say to me if the mortgage that I have that it is of irph+1 % might change it into one of euribor.

Comment number: 113

Name: Marian

On Monday, February 11, 2008 to 10:49:29 AM PM

       Hello, I am in the same case as the previous comment (22).Donde it is possible to see the daily evolution of this index. And where the answers can be seen to the previous comments. Thank you

Comment number: 112

Name: francisco

On Monday, February 11, 2008 to 0:24:20 PM PM

       hello, I would like knowing all that is the irph boxes in this moment, which I cannot see in any alone place until the year pasado.gracias

Comment number: 111

Name: nicolas

On Wednesday, February 06, 2008 to 0:31:43 PM PM

       To the sebas comment, to say to you that if they offer you euribor + 0.75 if you do the calculation you would have left in 5.24 i the Irph right now serious of 5.56 You can value yourself the difference that exists, that tb is clear the irph you do not have any type of differential I wait haverte helped, Montse

Comment number: 110

Name: Montse

On Tuesday, February 05, 2008 to 8:54:25 AM PM

       It does six mese I did a mortgage subrrogación, and they said to me that with the interest that were putting irph +0,40 to me, it would be better, since it was imagined that the interests are not going to keep on rising and also like earlier it has been commented, raises slowly with this one type. Now I have the review and from this month, pay 90e more of mortgage. That someone tells to me where the advantage is. How do they us always tease as they want and only they defraud us. Not where are we going to come.

Comment number: 109

Name: Lorraine

On Thursday, January 31, 2008 to 9:17:06 AM AM

       the irph is a trick!!

Comment number: 108

Name: ell

On Friday, January 18, 2008 to 0:33:17 PM AM

       Hello, my question is that: better euribor +0.75 or irph boxes +0. Thank you in advance

Comment number: 18

Name: Sebas

On Wednesday, January 16, 2008 to 7:03:45 AM PM

       I HAVE TO DECIDE BETWEEN IRPH AND EURIBOR. THE FIRST ONE TO 0.10 THE SECOND ONE CONCERNING 0.75 AND I DO NOT KNOW THAT TO DO. SOMEONE CAN FACE ME, THANK YOU.

Comment number: 17

Name: DAVID

On Tuesday, January 15, 2008 to 1:01:22 AM PM

       To forget you of the irph, one year ago and a half that I hired my mortgage and advised by the bank of which it would be better irph pq the mortgage would not change me so much, in one year and a half me to raised 440 € (half-yearly review, I am crazy for changing to euribor, but my bank says to me that if I change it applies euribor + 1.10 to me! I feel stolen.......... So under my point of view, better euribor.

Comment number: 16

Name: Susana

On Tuesday, January 15, 2008 to 10:51:47 AM AM

       I have a mortgage from September, the first year is only euribor and rest of irph +0. have I been right in hiring it this way?, do I have the option to change of irph to euribor, it should do it?. please, to answer me. a greeting

Comment number: 15

Name: sponge cake

On Monday, January 07, 2008 to 8:45:01 AM PM

       I am looking at different types of mortgages, and after waiting a few days I have been that Kutxa says to me that my mortgage is viable with the following conditions: - Is IRPH less 0,10 and no forced link (the mortgage would be on 220000 € to 35 years) My doubt in that the monthly salary goes out quite high and I have another two boxes that offer me euríbor + 0.50 and another euribor + 0.33 (but the last one with all kinds of links) If the three were working out for me viable, which is more profitable? Grácias!!

Comment number: 14

Name: Patri

On Sunday, Dec 30. of 2007 to 1:23:19 AM PM

       They have offered me a possibility of hiring a mortgage with hipotecamania.com. I would like that you were giving me information about this company. Are they trustworthy? In the end does it go out more profitable than others? And if you could give me some entity in which it could obtain the most profitable mortgage.

Comment number: 13

Name: davod pomegranate tree

On Friday, Dec 21. of 2007 to 3:02:25 AM PM

       Hello, Me would please you were advising me which it is the best option of the two that offer me for a personal loan: 1 - EURIBOR+2 for 10 years but the first 6 months 6.25 % and a commission of opening 0.5 2-CECA+0.9 But for the first year 6.75. Commission opening 0.25 Thanks for your help

Comment number: 12

Name: CHUS

On Thursday, November 22, 2007 to 10:30:36 AM PM

       hello friends that it would look like a mortgage with a boxes irph to 0.60 negotiable to the first year. the euribor would be 0.75. thanks for your opinions. a greeting and health to all pa to pay our mortgages

Comment number: 11

Name: dixebra

On Thursday, September 06, 2007 to 0:58:57 PM AM

       The mortgage that they offer me would be the First year 80 % of the IRPH * (average of last 6 Months, considering them the double of two last ones) and as maximum the Euribor+0,25 %. The segundoel 90 % of the IRPH * (average of last 6 Months, considering them the double of two last ones) and as maximum the Euribor+1 % and minimum of Euribor 0,25 %. 0 % opening 0 % partial amortization 1 % entire amortization 0,5 % substitution to another entity Is good these conditions.

Comment number: 10

Name: Iñaki

On Tuesday, September 04, 2007 to 9:44:41 AM PM

       I think that at the moment the best interest rate is the Euribor opposite to the IRPH. I for example have a mortgage to euribor +0.50 and it keeps on working out for me better than the IRPH +0.00. We all know that the IRPH is always going to be over the Euribor and being as the things are, they cannot be late very much in beginning lowering the interest rates, because if not, we all are going to go away to the failure and but, time to the time. A greeting to all.

Comment number: 9

Name: David

On Sunday, September 02, 2007 to 3:11:37 AM PM

       I would like to know to date of these moments that it would be interesting to me more if to sign a mortgage to euribor+0.40 or to 90%del irph having extreme maximum euribor+1y like minimal euribor+0.25.agradeceria your ayuda.muchas thank you.

Comment number: 8

Name: it thatches

On Saturday, September 01, 2007 to 4:59:36 AM PM

       HELLO..... I HAVE A FEW DOUBTS WITH A VARIABLE MORTGAGE TO MORE THAN THREE YEARS APPLYING I.R.P.H MORE A ZERO CHECKING IT TO ME IN JULY THAT CUATO WOULD HAVE TO PAY IN AUGUST....

Comment number: 7

Name: they were going luno

On Friday, August 31, 2007 to 10:12:03 AM AM

       The truth is that if we notice well, the increase of the euribor and of the IRPH during the last year or 2 years it has been practically parallel, therefore to minor interest rate, minor money quantity that the bank remains and more for our pocket, this is that up to the date the auribor has always been for below and it it will always be and for logic, choosing a differential +33 or +45 us will always be more profitable the mortgage indexed to euribor. I have already suffered it and the saving difference is amazing.

Comment number: 6

Name: Raúl

On Wednesday, August 29, 2007 to 11:02:44 AM AM

       I have irph because acian very good tracts, I have irph + my 0 i this this one very well for the time being, in canvio euribor 1 age had it euribor + very expensively, right now euribor this sobiendo i irph is rising but more slow quando strolls around euribor enpicado irph goes very slowly as if it was a car. This is it depends on the banks the tracts that you have. They always have the favors we are the villains. A greeting

Comment number: 5

Name: eva

On Tuesday, August 28, 2007 to 2:29:18 AM PM

       I believe that there is not not better nor worse, but according to the situation in which the market is the euribor or the irph is better. I have the experience of the irph, right now I have it and the increases that I am having are not the same that anybody who has an euribor, to the average people has raised approximately 150 or 200 euros more or less and 100 has raised alone me, having a mortgage of 36 millions. Right now for since the types of interests are the irph is better, tb that caundo empieze to fall the interest rate me sldra on account the euribor but for that the banks are to agree on conditions, that is to say, that in the moment that alguine wants to change the condicones of the loans only will receive from them 1 % of the hanging capital. I wait haver helped in something.

Comment number: 4

Name: Montse

On Tuesday, August 28, 2007 to 1:40:16 AM PM

       The euribor is better, I see it like that, also, it is necessary to negotiate with the bank, since to the index irph, they always apply him distinguishing minor.

Comment number: 3

Name: Sandes

On Friday, August 17, 2007 to 0:56:05 PM PM

       Help!! Please can anybody help me? I am going to hire a mortgage very quickly, but I need to know which it is the best index, I have doubts, please the IRPH tell me some experience with the euribor and someone with, I hope between all we can help ourselves. Thank you

Comment number: 2

Name: Solses

On Thursday, August 16, 2007 to 9:11:32 AM PM

       The irph is higher, but it changes less rapid, I believe that the euribor is better, because I believe that prompt debit of stopping rising.

Comment number: 1

Name: Alberto

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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 a 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)
The principal central 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 has to close 40.000 agencies.
(17-1-08)
The Minister of Labour and Social 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 increases.
(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)
The European Central 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 can 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
He mortgages bridge
Inverse mortgage
You mortgage to 40 years: Are they interesting?
You mortgage garbage
Information and advices in the acquisition of a housing
Our mortgage to fixed or variable interest
Differences between property development company, constructor and real estate office

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