Will have pifiado?

The EDF is not ... ..

But I pifié the day that I changed my home ...

I pray a prayer that the Euribor start downloading these ... Our Father ...

FED the blunder at a time decided to raise rates to the level it did so abruptly. Look at what has been rolling. Now to download quickly to try to fix it. Like too late already.
I hope that does not happen in Europe as well, although there was to control inflation and as Easter ...

Well before you start a greeting to all

Today I am optimistic in view of a pair of data that you gave me your links with them in different posts yesterday today logic tells me that lower the Euribor.
(Yesterday was the last day of room for banks to balance their economic makeup acquiring liquidity, it was learned yesterday that the Fed lowered rates in the U.S. yesterday and the ECB also inject a pastón in the interbank market)

As lower the Euribor? I suppose that little bit too much for what you all mortgaged (me included).

On the other hand, if the plague of death that we are far from smelling a little about some deaths and is the logic cease to have value and will raise the Euribor.

To see that we are given the day.

The new lower rates in January FED is served .... we will see in the 4%

Mac Gregor,

Successes and hope begins to drop, because I have reviewed in May and continue rising at this rate of 824.22 I will pass over € 1000 and increasing delinquency in Spain jeje

Hopefully get down, I'm going to pray and that I am not a believer.

Good morning everyone

Hello, my first comment but I could not do it to avoid comment that I think the FED not fucked yesterday with the fall quarter but it takes months cagandola; first with excessive increases and decreases interventionist now.

In my environment there are many people in Europe think that the ECB will lower rates soon by that of your neighbor's beard and I think that if they do then we will confirm the financial crisis but is now a reality but real estate agents do everything possible to avoid encouraging their customers know to continue buying the excuse of all climbs (some are still living in the past).

Regarding the Euribor know for sure that I do not know what they will do anything else to tell lie.

We let the data out of the interbank sabadell this Monday at 08:54 GMT, for you shall see as the bank sees rates in the long term for the major currencies
Swap and interbank rates (%)
EUR USD GBP CHF JPY
3 months 4.89 5.14 6.61 2.77 1.03
6 months 4.84 4.93 6.34 2.80 1.06
12 months 4.77 4.49 6.03 2.90 1.12
2 years 4.57 4.13 5.45 2.89 1.05
3 years 4.51 4.16 5.34 2.93 1.12
4 years 4.50 4.27 5.30 2.98 1.21
5 years 4.52 4.39 5.27 3.03 1.31
7 years 4.58 4.60 5.22 3.15 1.49
10 years 4.69 4.83 5.16 3.33 1.76
15 years 4.84 5.05 5.06 3.54 2.09
30 years 4.90 5.18 4.84 3.67 2.51

Eye to the data:
In Europe 30 years to provide a 4.90 interest

eep eep eep!

http://www.elperiodico.com/EDICION/ED071212/CAS/CARP01/PDF/g047mR01.PDF

and in the fourth quarter will be even worse, considering that the banks closed the tap since September ... eep eep eep! Now the estate sector and has mortgaged half españa by double or triple the actual value of the flats (if BE said that at 35%, making the accounts ...) and that the price of the flats could not get off ... juas juas juas ... now they can see it can download and upload ... Euribor enga enga enga!

Good morning to all:

I've always been amused by the weeping and pleading for banks and real estate yankees. But let's see: they are not private companies? Well, as they are closed now eat potatoes with the risks assumed in time for his foresight and bad for poor head. Why ask now helps public institutions? In the country of capitalism and the money for help Dad State, which was not a communist country ... has noses.

I also recognize that if nothing is done to the public what many people will go very wrong, that record.

Just a thought.

A greeting to all.

If anyone expects the same thing happens in Europe, sat to wait. Interest rates in the euro zone remain low for the overall circumstances of Europe. If someone thinks that the ECB is going to base its monetary policy in the Spanish mortgage unaware that they got into debt beyond their posibiliades believing that memez that "housing will never low," to buy a good magazine to read in sentadito WC, have not seen anything ...

Inflation shot in half of Europe, good growth rates in general, German exports, which are the important function despite the Dollar-Euro fighter and Trinchet warning that monetary policy remains "accommodative" ... out in the accounts of the banks next year and drain well to those who have played their cards wrong, rates will continue their upward path, do not allow the slightest doubt.

Good morning everyone:
MOMENT OF THE EURIBOR SUPERMINERALIZADO AND THIS APPEARS TO SUPERVITAMINADO !!!!!! SOMEONE THAT YOU DOWNLOAD THE FIRE BY SOME THAT WE RATE THIS SALE the pot, and my mortgage DIFFERENTIAL OF 1100 AND NO WHERE fuck!

DOWN WITH YA !!!!! EURIBOR

Euribor down by God qu eno lower legs feel

Good Morning, Vietnam.

Jim Cramer, I have the impression of being one of those telepredicadores but applied to the economy.

But is anyone of us expected the EDF down 0.50?.
Only one of the representatives of EDF (The Boston or Chicago can not remember) went down by 0.50.

Resigned to, you almost can confirm today that the OTC should not affect the calculation of the Euribor.
http://www.euribor.org/html/content/euribor_code.html
2. More specifically, the following items will be considered:
On-balance sheet interbank items:
Assets
Loans up to one year
Money market paper (eg Certificate of Deposits and Commercial Paper)
Reverse repurchase agreements
Liabilities
Deposits up to one year
Money market paper (eg Certificate of Deposits and Commercial Paper)
Repurchase agreements

and, to a lesser extent, the following:
Off-balance sheet items:
Referring to derivatives to Euribor ® underlying denominated in the currencies of countries participating in EMU (OTC and exchange traded)
Foreign exchange swaps (one-leg in EMU countries' currencies)

This story comes to
The Steering Committee currently consists of the following persons (end of mandate: April 2009):

G. EBF General Secretary RAVOET
P. BOSIO Banca MPS [Euribor ® FBE]
J. AIB Capital Markets MAHON [Euribor ® FBE]
P. Royal Bank of Scotland MORYOUSSEF London [Euribor ® FBE]
JJ. Natixis QUELLEC Paris [Euribor ACI ®]
A. Crédit Agricole SEIGNAT [EACB]
GH. Sieveking Investitionsbank Berlin [Euribor ACI ®]
N. National Bank of Greece SOULOPOULOU [Euribor ACI ®]
J. Nordea SULIN [Euribor ® FBE]
JM VERDUGO Spanish Confederation of Savings [ESBG]

Verdugo, who is this? (he, he, he brings to the rope)
http://www.euribor.org/

See you later

Hello everybody,

Could somebody tell me what is the equivalent to U.S. andalusia EURIBOR 12 months?

Thanks in advance

Clopez Hey, my comments do not come, I've used the scissors, "I'm not saying anything bad, man .. jejejejej

Greetings ... and ... ..
Ladies ... the party is over!

Thanks Willy, I had jumped to comment!

The EDF has not cagado. Are more aware of these things. It has always been the case.

Those who do have cagado are to be mortgaged to believe that rates are fixed and that the mortgage that you can pay now or pay more tomorrow (no one thinks it will lower the salary). Moreover, as the houses always go up "if you can not pay the mortgage and sell the house make money.

Come on, that people should read a little before getting into a mortgage for the rest of his working life to pay for an exorbitant price of a house.

Hello everyone.

Well, this is my first comment after months of reader at this wonderful blog, which I have a lot aprendimo (within my knowledge in these subjects)

I think that both the FED and the ECB sticks are blind do not know that, if lower, bad, if you go up too, it is clear that lleuve never please everyone, I'm mortgaged, buy a house in 2005 for € 275,000 on the outskirts of Madrid (yes, a good house with single garage 120m2 storeroom, near bus, shopping, going very well placed), but the mortgage firm to 25 years (METI foot, but before I take off), which with the latest revision May 2007 I left a letter 1560eurazos (pay the house with my girlfriend, but we do not have a sueldazo is not bad), I look to the limit of my ability, but wait another rise of about € 100 (that If sacrificing zenith and leave it ...) I believe q would have to raise rates by the ECB at its next meeting at 0.25, then I would appreciate all the trick is to spend just as they will only be 1 or 2 years to maximum .

I still think that the levels of Euribor we currently have are adulterated by the interests of the banks for not providing liquidity, and submit their accounts made up.

I think we have here a couple of months of Euribor a 4.5, but the truth I'm not sure what to think or wish.

Come .. will .. Now 30 minutes remaining for the data it is known today EURIBOR .. Place your bets ...

THE ME ... 4.861% +0.014

But that story I told you when the bank mortgage??

Interest rates are not far from high. If you ask any economist will tell you that some standard rates, with inflation controlled and sustainable growth around 4-6%.

What in recent years has been a time of exceptionally low rates, and not descarteis the medium term, there are circumstances that lead us to the extreme and we are at rates of 7% 8% 9% or more is ... that your parents do not have talked about what they paid them the interest rate?, 12, 15 ... and of course I say that this is not Europe and the Banana Republic was then Spanish. Look for the historical interest rates in the U.S., UK, and especially Germany and France (not mortgaged heart patients), not many years ago the rate was about 8-10%.

Anyway, you can always sell your home and cancel the debt, right? ... That if the floor is worth the same as debt, because if you have not noticed DOWN THE HOUSE IS ALL IN SPAIN.

That dilemma, have a debt of 250,000 euros and an apartment worth 200,000. I recommend you find the current situation in Florida (Spain americana), or the real estate bubble in Japan (15 years of falling house prices since 1990) ... also not above.

Already q q has nothing do with the subject and that what I say has been treated and at other times ... but only a small doubt ... it's payback time ... if I take off € 596 a term blow me away one months mortgage and this is my ... ... I can definitely be getting every month x 50 € example (I x depreciation charges) and that at the end of the year are € 600 (50 * 12).
The question is, in short:
Does the same effect pull € 600, which contributed € 50 a month for a year, or not worth anything, little by little is better than once?

Thank you very much.

# 10 John:
Very well said. Totally agree. It's hard to realize that Spain remains a country of second order, despite the efforts of some political "get back into the story ...

# 17 Michael:
Cagado well have cagada. The outcome of that crap can literally ruin their lives.

A greeting to all.

Good Morning, Vietnam.

The lords of the EDF, when coming together of these sites.
http://www.federalreserve.gov/otherfrb.htm
Maybe you know a little more than a showman, however much money they have earned (personal opinion).

The single vote was 0.50 SR. Eric. S. Rosengren (the guy who came from Boston)
http://www.federalreserve.gov/newsevents/press/monetary/20071211a.htm

Nothing to report.
See you later.

Daniel_78 for the ECB to raise rates is not going to benefit, look at the increases which took 2 years and as prices have skyrocketed, the topic is as follows, but buy fewer employers prices climb to win the same or more, so the result being that we wish to the contrary.

First and this is my first participation Clopez I congratulate the blog. Science, but totally ignorant of economics, I have learned a lot during the time it took leyendoos ..

I guess I'm one of the lucky-losers in the real estate boom. Buy an apartment in 2001 (52 m2) + garage with a value of 108 000. I sold this year by approximately 216 000. With the surplus, my partner (quasi official, about 35,000 € gross / year) and I (45 000 gross per year) we've gotten into an apartment (more decent if that), but obviously we have paid a surcharge may also important. We can now pay € 908 for a mortgage in 25 years that I have gotten (approximately 163 000 euros) in January while the review is going to pose a significant amount and I guess that is where I want it told me about Euribor value to us in the review should apply in writing that mentions only the last published value of the Euribor. What if we renew the January 4 which would be the last published?

We intend, (my most reluctantly because dsfrutar want more of life, something that does not blame him) recouping just € 12,000 to start the year: better quota or deadline?. I think that term because in the simulations that I always gave me that in doing so we save a lot of interest.

I reiterate my thanks to you who read this and give me an answer podais.

Already as a personal opinion, I believe that you have indeed right when we say that a Pelin decerebrated andalusia have left coax these siren songs so wonderful purchase purchase purchase (and I am not referring only to the floor)

John what our parents were paying bills of exchange that has nothing to do with the Euribor, not digais these chorradas please see if we have to investigate what became a lender of the sixteenth century, jajajaj

To # 26, lefonque

We apply the Euribor half of November 2007 is 4607%

Murdock, for the rule of three, if bajasen types, think again adjusted the prices of everything? or at least something? Here is influencing other ways speculative, as the oil and biofuel, is not it?

respect to the Euribor, no comments, I prefer to wait until January, because now I think it would air a tirito, but that is not normal, is clear.
Certainly someone knows the actual inflation used?

IT IS ALWAYS BETTER lEFONQUE TERM where actually cut interest, I took 3 years of mortgage, 35 years began to pq I gave the least of my salary and my wife today and I are 26 years few months due to the depreciation that we do every 3 or 4 months, by the way, I am not sure but I think that when you have problems desgrabarte make such amount in the early years, I depreciates every 3 or 4 months instead of all at once and save a separate eurillos amortizing € 3000 for example every 3 months instead of waiting to have 12,000 to repay a greeting.

Murdok is true, the result is the opposite, but that only happens in Spain, and Spain is not Europe, the price increase to the marked oil and mindundis four who buy premium matrias then sell at higher prices, the Currito always loses, but if rates continue to rise, these mindundis, and will not sell to stop speculating on products of 1 need, that they no longer gonna pay.

q badly divided this world jajajaja me wondering if I can amortiazar € 596 per year or € 50 a month and 12,000 € pull .... madreeeeee ayy!
I need the bald and the lottery!

And seriously, should be on the November you caught ...

X way, I come from which I reviewed in February (December Euribor) ...: - /

FOR LEFONQUE;

Period without a doubt. There are a thousand studies on the simple network easily explain that the French system, which is used in Spain in the mortgage, lowering the time and not lower fee, are paid much less interest.

Secondly, you're not a descerebrado, you've mortgaged for 25 years, with a quota that does not involve either 15% of family income (the recommendation of the EU economic and any responsible authority, is not to get over 30 years, not more than 30% of revenues). Another thing is whether it was economically good idea to wait a bit to buy, it appears that in the coming years the house will substantially lower (depending on the area, of course), but if you want to improve, you have found a home that you like and quereis owned (vs. lease), and, you can allow it, I do not look so bad to buy now.

Is that it feels like strawberries in December, the pay (like me yesterday), 10 euros a kilo, but if I feel like I can buy those, why not?.

They have to do is to control oil prices and the euro and lower Euribor instead of speculating in oil that ends up having an impact on the CPI for all goods transported concusmo the vehicles that use oil and see if control the euro not to lower exports. The old formula of raising interest rates to lower inflation does not work at all in a globalizing world and in war ... and the Americans will see SISE for Iraq that things will calm down. And a fall in the Euribor not be anything wrong if the economy does not enter into a drop sharply, which is trapped around the world and consumption goes down enough and that not to mention lowering of prices of brick and chavez egolatra of the ...

Jdk influence many things, but mostly that entrepreneurs often thieves, biofuel as well say it is pure speculation and lasts longer posed a 0.0? the production of cereals, and oil itself as a truck valencia madrid leads to about 20 tons of oranges and travel costs to rent about 500 € now if you divide 500 tonnes € 20 You will come to influence some cents in the price of a kilo, are exusas to raise prices.

On the other hand prefer to have € 100 more in the pocket by not raising rates and can choose to buy them (at a price more expensive depending on them for not raising rates)

... Hallowed be Thy Name, Thy kingdom come ....

# 10 John:

It's nice to see remarks like this. Faced with remarks that confuse wishes with reality is gratifying to see that someone also says there is, despite everything.

I certainly know who is going to be unemployed in December. I found in the nose that around 50,000.

A # 26lenfoque:

If you take away time better than shares, do it. While lowering the amount you might better quality of life immediately, you pounds off period to pay interest, as you say, well, well off year old being taken by the bank.

A greeting.

21, Juan

I think you have everything correctly defindo, a few months ago, talk to some owners of a promoter normalita and told me not buy land or build in a field in which the houses have to vederlas for over 18,000 and 150,000 euros, that but my diet will be based brick guarnici? fall down I'm sure seeing now and what I saw in 98, not a brutal fall of the night to ma? may be, but they are super-rated to be a no lights.
that hurts developer swallowed 50 homes.
for those who say now is good time to buy pa tell you:

I do not give advice, money dementia

Daniel_78 is right and that only happens in Spain, so I say to us that in principle we fuck laqs increases pq we control the prices.

Carlos amortized I mainly pay pay 2 x 3 x 1000 = € 6000 € refund the over 3300 between 2 (maximum of € 9000 by interviewing the floor of each consecuenci recoup much) and to save € 3000 per year (from 2 people just € 110 per month salary for each and every person) and you spend there and the 12,000 a year, then are the conditions of each, but both my wife and I are mileuristas and hair net.

.... Give us this day our daily bread, forgive us our debts ...

Good morning,

if the U.S. Federal Reserve lower rates to 4%, we could use the exchange rate to know to what level can rise under these Euribor cirscuntancias? TC 1.47, = 5.88 Euribor

I realize that what is written above do not correspond to any economic theory. But increasingly clear that unless I have to have similar rates in Europe to the USA. Each economy is in a very different situation. USA and Europe into recession bonanza. USA increasingly affects us less, and I see the European economy is increasingly dependent on China. How much are the rates in China?

See if you move the Euribor, if only to generate debate!
Carlos, you're right, the world is badly divided ... but it is curious that sometimes the most are those who are consuming less. THINGS THAT!

Kandel

Forgive us our debts! (you hear that the Lord)

debts will not forgive!

4.867%

aficinada,

I did not want so much to ask .... I agree that lower the Euribor ....

MEETING 12/12/2007 11:14

Medium Type
Euribor Week 4.129
1 Month Euribor 4.947
2 Months Euribor 4.952
Euribor 3 months 4.953
Euribor 6 months 4.906
12 Month Euribor 4.867

Neither pray 4.867 ... ....

I feel the news for the mortgage, I have absolutely no intention your horrible suffering in large part caused by "loan sharks" that he did sign a paper that does not knowingly teníais no idea what they signed.

FOR MURDOCK;

Spain is obviously not an example for anything, so I sent to USA, UK, Germany or France, and its historical rate of their respective central banks ... In UK and U.S. rates reach 6-7% and, here can not?. I repeat that in the last 17 years have seen interest rates above 8% in almost all industrialized countries, and that no one can be sure, anyone who does not happen again.

Euribor what is the biggest deception in history. The problem of Spain and people who want a home is not the Euribor, is that salaries are like Greece or Portugal, and housing prices in London or Paris. And then we believe the richest in the world, and we continue to buy at those prices.

Que lejos queda Japón… En 1990, el precio del suelo en Japón era tal, que si hubiesen vendido todo el suelo podrían haber comprado EEUU entero y les hubiese sobrado dinero. En 2005, el precio de la vivienda en Japón había bajado ha niveles de 1975. Que cura de humildad nos hace falta, y sólo espero que el mencionado Japón no sea el camino que nos queda, porque ellos son como son y ante la crisis, perdón y resignación, y todos a una (buscad en youtube la imagen de los ejecutivos de los Bancos pidiendo perdón en televisión por lo sucedido, IMAGINAIS A BOTIN ARRODILLADO PIDIENDO DISCULPAS), pero aquí, aquí no espereis nada de los poderosos, porque esos son “otra España”.

¿crisis, dónde?
La tasa de empleo aumentó en el tercer trimestre de 2007 un 0,3% tanto en los países de la Eurozona como en el conjunto de la UE en comparación con el trimestre anterior, según una primera estimación publicada hoy por la Oficina Estadística comunitaria (Eurostat). En los trece países de la Eurozona el número total de personas empleadas se incrementó en 407.000 durante el tercer trimestre de este año, mientras que en los 27 Estados miembros de la Unión Europea (UE) la cifra de ocupados aumentó en 668.000 personas. En España, según Eurostat, la tasa de empleo aumento un 0,3% entre el segundo y el tercer trimestre del año, al igual que en el conjunto de los países de la Eurozona y la UE. Durante el segundo trimestre del año la tasa de crecimiento del empleo se situó en un 0,6% en el caso de la Eurozona y en un 0,5% en el de la UE, según recuerda Eurostat en un comunicado

Buenos días.

Firmé mi hipoteca el 24 de octubre (3 meses: euribor+0) ya partir de esos 3 meses (euribor+0,6).
Alguien puede decirme qué euribor me aplicarán en la revisión, el de Noviembre (síiiii) o Diciembre (noooo, por favor)?