Evolution Euribor

As comentábamos in the article "What is the Euribor" the attempt to predict its value is always a risky task. Therefore, we should substantiate at least two pieces of information, firstly the macroeconomic and on the other hand the trend (what we see in the chart at left). The problem is found when both data are contradictory. What happens when the trend is bullish but macroeconomics tells us that should be going down?. Many times the macro data are timely, such as stock market falls, sudden increases in the price of oil, etc. and it is necessary to identify them know whether or not to affect long-term value.

In short, if we want to know about their evolution, it is best to be updated economic information while looking at the chart.

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# 1, Fran

March 29, 2008, at 10:52.

* Put the Euribor c ******, nothing but serve to spoil the day. The day you finish paying all, I shall give him a kick in the ass to the condemned this.

+49

# 2, jesus

March 31, 2008, at 18:06.

?????? kick hit him fire! and more than one inside the Euribor fucking ...
Spain goes well ...

-1

# 3, Anonymous

March 31, 2008, at 22:28.

Fuck carrying five months down the month and comes to me and check ups! has coña! 15 eurillos of shit that I go down, and it said that this year would fall below 4%, because at this rate do deliver clear. I had to climb up the bad debt that may be 5%.

+21

# 4, Gadi

April 1, 2008, at 21:25.

go to hell if we continue down the Euribor as well we have no pipes pa

+12

# 5, monica

April 3, 2008, at 1:27.

As well we continue to have to stop eating or get off ... I hope that the government take steps ...

+12

# 6, maria

April 3, 2008, at 16:01.

it is a pity that we have to be continually looking at the evolution of the damned Euribor, when the real problem is not that raise or lower the Euribor, because as its name suggests, does not depend only on Spain but is on a European level But what the hell is SAD salary that we have, that we are not allowed to breathe, the amount of expenses, transportation, food, entertainment, education, etc ... and the few aid to us mojamos to buy house, it's best to rent seems to be, and what could have warned us before the comprasemos.

+37

# 7, Paul

April 4, 2008, at 0:00.

until now I've gone nose to the bank to see if I could revise the mortgage and I was told that N Nastia of plastic and that is that I have several products with them, but I have already sought life in other banks, will be by banks, on this topic, go to the highest bidder, I encourage all mortgaged!

+14

# 8, pillar

April 4, 2008, at 23:34.

Inflation, housing, schools, kindergartens, ... housewives and parents in general, he sounds? Well, Zapatero seems to be the ears entaponan overcharged, oh by the way, why have you voted in cobbler?

+71

# 9, pink

April 5, 2008, at 23:00.

The Euribor go shit, I'm more than Arta listening to the politicians that all is well when all this ----- reviente to see how they will do to remedy it. shit, and besides the salary hay.como not do something soon this will be a chaos ... ... ... ... ... ... ... .. all in crisis

+10

# 10, Fran

April 7, 2008, at 19:24.

For me this is not the question nor Zapatero nor Rajoy, because you know? because they charge a pasta and gives them equal, no accounts to make ends meet. This is a fact of life, the worker of a lifetime is what you get paid and to the bowels, and the rich getting richer. For me to give them all !!!!!!

+19

# 11, Pichi

April 8, 2008, at 18:34.

All agree on the issue, as they say we only have what we deserve, always with the same PP and PSOE, it is time for changes

# 12, Flo

April 8, 2008, at 18:53.

Toy curious what would happen if, one month left all who have mortgages to pay and to give a signal to our bancosss to see what happens ¿????

+51

# 13, maria

April 9, 2008, at 9:46.

euribo is the worst they have since creadi why many young we are always concerned about the rise of the mortgage.
I would love to know when it goes down once the solution euribo already see that the government gives to this.

-3

# 14, Vicente

April 9, 2008, at 10:38.

The problem is that wages have not risen since they should already 15 years ago.
Because of this the unions have no doubt that the government did not pull the first and second round of the businessmen who have gotten into the eurismo.
The truth is that I have bad omens in regard to the economy and all of us in the next two years.

+10

# 15, Javier

April 11, 2008, at 11:48.

Normal is that every time the Spaniards have less purchasing power, with such low wages, the excessive rise in prices, particularly in commodities, as well as the rise in the Euribor for the brave that is not mortgaged to atrven we have for anything. The truth is that I think we've got very black if no action is taken in this regard.

# 16, KATY

April 14, 2008, at 17:51.

THIS ALREADY HAS NO NAME, I guess WORLDWIDE AND ANDA DESCONCERT If we stop TO ANALYZE THE SITUATION IN THE COUNTRY TO BE REALISTIC, ENOUGH IS ALARMING AND UNCERTAIN FUTURE OF THOUSANDS OF PEOPLE WORKERS, LABOR THAT KIND OF DAY TO DAY SALE AT YOUR Ex officio to cope with their debts, and TD P ª YOU THIS? APPEARS TO ALL HERE RAISES SALARIES LESS, I AM ONE OF THE MOST I see EVERY DAY BLACK FUTURE AS PQ STOY Payable MXAS OTHER PEOPLE FROM A MORTGAGE AND OTHER STUFF NO TRUTH WOULD LIKE ME Peder BY THE ONE THING THAT HE LUXADO AND NOW THAT I HAVE AS SIGA raising the EURIBOR AND PRICES IN GENERAL Carrying THIS GREAT WORLD CRISIS, PQ, THE RICH ARE SEVERAL PR THE MORE WE ARE POOR, THE GOVERNMENT SHOULD NOT THINKING OF THIS wealthy people that profit from luxury AND THINKING AND THE FIGHT FOR MORE COMMENT PUEBLO.ESTE will solve nothing PRO AT LEAST EXPRESS WHAT PEOPLE ARE MUXA DROPPING IN THE NEWS ...

+11

# 17, Agus

April 15, 2008, at 15:09.

To begin the Euribor not mark ZP. But there is a gentleman who is responsible for this, the "Trichet" this, the only thing he wants is to see us drowning todos.El price increase is global and not just here in spain, inflated the value of oil to benefit the governments with him as is happening with the cereal, it makes everything go chain worldwide. REFLECTION as we could do for a week without throw petrol around the world? Know what could happen at the global level with the "RAW".

# 18, Tere

April 15, 2008, at 15:42.

Terrific! There is no crisis! all fed up .... everything costs more .. The euro has no value ... .. basket or half a shot!! IS THAT nobody cares that we are in this situation ????? SOLUTIONS AND ACTIONS AND least theater Television !!!!!!!!!!!!!!!!!!!!!!!

+10

# 19, Raquel

April 15, 2008, at 16:48.

Zapatero will have to see what the Euribor? What more simplistic thinking ... I think the government is taking action, another thing is that we pay the mortgage, which has gotten into something that can not pay, which apechugue!

-52

# 20, Realistic

April 16, 2008, at 23:07.

I decided to rent, with their pros and cons ... Other freely decided on the property (and its Euribor), no one imposed it. Before I was the fool, which "throw money". Now it turns out that, comparing with the purchase, "draft less" than what "pull" others paying more and more interest. Sets, so I'm not spent in buying me now is generating some interest or capital gains from the sale of an apartment (that myth that they sold) the excess. I said "those who know" of economics, which had a burvuja and he was going to explode (in addition to those damned subprime mortgages, a consequence of this madness).

I hope, for the sake of the majority, that lower interest, although I do harm, and that all this is a shock from which all learn. Lucky fellow!

+29

# 21, Mar

April 17, 2008, at 9:51.

ja!. I expect the government to take action, jaja!

+10

# 22, mortgaged

April 17, 2008, at 10:56.

A memo on relief for house purchase. If a mortgage loan of 25 million pesetas and the former is an extra annual depreciation to arrive just at the limit of breaks (up to 2 million pesetas a year) with a Euribor no higher than 5%, in the end, pay the mortgage in about 12 years and the cost of the interest is mitigated by the reductions which "only" pay the price of housing. As is usually advisable to give an input of 20% of the value so we can buy a home of about 32 million, which is interesting to purchase a property by 32 million. If it costs more needs to be given a greater input (more savings before buying the home).
Second, all those who complain, how I had planned amortization podiais extra pay? When the Euribor was low savings and amortized or viviais a whole cloth? You know that the number of people with a mortgage on first home is less than 15% of the population, therefore we are "a few"? You know what government is all of us and because I do not have to pay for "non-sighted", so I hope that the government did not take direct action?

On the penultimate, there have been great benefits by many companies and wages have gone up "only" the CPI, why not now going to continue climbing the CPI?

And finally, you know that interest rates in Spain have reached up to 16%?

+16

# 23, FRANCISQUET

April 17, 2008, at 13:50.

Hello,

I'm sick of the banks I think are the most fraudsters and loan sharks is on the market, except the politicians favoring the speculation as Peperes and within them to Sr.Camps, Zaplana and Hope who are still worse.
Today I went to the bank and I had to ask for a copy of the mortgage as I said they could not recoup less than 10% and not more than 25%.
So to see who saved 10,000 euros, and the mortgage does not see anything, so I can amortize the gained by 1% penalty. I just say that the gobeirno had to put a tax on mortgages to the bank and then it was mortgaged to the user or at least used to make roads, etc.. Or that oblige the bank can only do Euribor + O.5 as a maximum.

-20

# 24, FRANCISQUET

April 17, 2008, at 13:52.

And if he was at 16% but before my apartment that I bought when I Valia 20 million when it was 16% Valia 7 million pesetas that you forget i mortgages were for 10 years or 15 to the maximum.

+12

# 25, Diego Castro Sanchez

April 17, 2008, at 14:44.

I agree with those who are concerned about current developments in the mortgage loans. But there is something that is impossible to avoid confrontation with this concern, is nothing more than the obsession of the Spanish have an average property even at the cost of playing with their own economic potential. Anyone who can buy, buy, you can rent, lease, we can not force the government to take measures to counteract the problems of a few, with measures that in the end we paid all the others. Let us not forget that there are a large number of families without jeopardizing the mortgage or quasi settlements. The need to apechugar that apechugue, which complies with the belt, as the life of God. Or do not we remember our parents.

-31

# 26, Diego Castro Sanchez

April 17, 2008, at 15:00.

Savings, gentlemen, the key is in savings. Remember that word?. And though they seem a lie, to save no choice but to adjust the belt, something that we have forgotten, after immersing in the pool of consumerism, with no clear float. I spent nine years living in rent, saving as a hormiguita until I could cope with the entrance of the house that I chose, that was in 98, but of course, now we get into the purchase of our house to the bank requesting the hundred per hundred of the mortgage, and you will pay whatever. Our parents ate paella in the field, we, their children, we want to eat in the snack bar from the beach, or in the restaurant, and it is called quality of life. We want to live to the whole cloth and when you can not, you can not. There is an old fable that can be applied to many people today ... yes, they are correct, this is the Cicada and the Ant .... they will pillando huh?

+45

# 27, Diego Castro Sanchez

April 17, 2008, at 15:04.

We can not forget that we are talking about workers .. and the worker, despite bad that we can not squander, even in times of economic prosperity, nor can spend to buy flats for investment and earn some milloncejos, as has been happening, this being one of the keys to the inordinate increase of prices in the housing ... ergo, we must raise the share of the blame that touches us all this Maremagnun of economic crisis and especially liquidity of families in which we are involved. Having said all that lucky at all, and hopefully the actions of the government ... if they arrive benefit all, as far as possible.

# 28, Juan Valdes

April 18, 2008, at 8:35.

Look at which more or less everyone is mortgaged to whether the government should take action for what is to come, both Euribor and therefore comes as the Euribor. firms with a mortgage each month of 745 euros and it is one for 1100 euros. come by god brave scam.

# 29, Javier

April 18, 2008, at 10:16.

While it is true that large companies have speculated, much of the blame for the exorbitant rise in prices is for those individuals who blinded to the "investment in concrete", have tried to draw slice too fast, buying a 100 and in months by selling a 150 to one that also wanted to invest, and they've sold 200, and so for six or seven years. Do not blame only those emerging in the media, reflect on the avarice and the collective madness.

+24

# 30, mortgaged

April 18, 2008, at 12:54.

Ha, ha, the government must do something, ha, ha. Well, I notice, I am selling my pisito and I get into a mansion to wait for the government to do something.
As the pq is now 16% is the Euribor by 4.8% but can go up and fairly.

Those who speak of saving, from 2004 until 2007, much to be saved had not served, sometimes you have to be informed and to see that there is no good time to buy. That is a disgrace, and I'm with this is that you can do business with assets such as housing, education and health.
I do not donate blood if I paid for it, and the same with the bodies, as is forbidden, because that forbid profiting health to others.

LONG LIVE THE FREE MARKET, and so we will!

-6

# 31, Diego

April 18, 2008, at 13:19.

Gentlemen, you do not sign a mortgage for xy value, so immutable, they should remember that their mortgages, the largest number of cases, are subject to a variable interest, which is an inevitable fluctuations, both upward and downward . I remember having spent several years watching as the review of my mortgage loan was made to the bottom. Are cycles, maybe the problem is in sight, buying the best or the worst moment. Another solution would be to fix the financial institution with a fixed interest, but it turns out that the bank would conduct an analysis of the present and future, then we would be paying the highest interest for the time of cancellation of the mortgage. And saving is always a good solution.

+12

# 32, Julian

April 18, 2008, at 15:12.

Let's see, let's see, one thing is the CPI, housing, saving ...
Totally agree that we are spending as it seems to us, but please do not generalize. It is always the currante like me who earns 900 per month and housing and to what I get? I have to be forcibly couple, in this case if my partner tb 900 wins and, what I give to my mortgage? more endorsements and endorsements. Gentlemen housing is a serious problem, and aid is to hire a real disguise in lid for the party that has problemón youth. Not everyone spends so much not widespread. The house today is not available to spend all or not.

+34

# 33, Diego

April 18, 2008, at 15:47.

Okay, an average salary of 900 euros is a serious problem for which you want to buy a house, but because they do not embrace the possibility, much more flexible, to rent instead of buy, even if the couple work and have a salary of similar characteristics. Another way of looking at things, imagination. Perhaps you have no partner, well, not because alquires shared. I was sharing the cost of renting a flat in between co-workers. It was economical, and gave you the opportunity to save money to buy in the future, with the mattress of a good entry to some extent alleviate the cost of a strong mortgage. There's always a break for a desc, what happens when we can not close band, live in my village, close to mom and dad, close to the environment ... known. We need to get value to life.

# 34, Joge

April 20, 2008, at 8:24.

We do not complain so much !!!!! low interest rates to revive economy, to invest in new machinery in factories. As we are so espavilados and therefore more ready to come and buy towers, apartments, cotxe. Well now joderse. Things have to think about 2 times. ECB's fault? Be clear that the ECB's decisions are according to what we do, not what they decide. So far no llameis the government now to fix it when everything was going well pq nobody remembered him well and that especulabamos everything they could. Ale to see if we think a little in consequence of what we do.

-6

# 35, Anonymous

April 21, 2008, at 19:20.

Sr. Mortgaged, when a worker and I do not speak of a wealthy person buys a house has to hire a mortgage as we all know, and this leads to analyze the amount of money they must spend to pay the mortgage, but Mr. we must not do in the short term, with the interest rate on the floor but we must inexorably with a rise and a share of the mortgage highest. So who has ignored all this and intend to continue living, full cloth and paying a mortgage with an interest in laughter is not complaining or blaming the government to Euribor and start SAVING AND eating crumbs in the cottage and not in large Restaurants.

# 36, LLILLI

April 21, 2008, at 19:45.

.... Well ... WELL LET ME THE MORTGAGE FIRM TO 2.1 IN EURIBOR, IN JULY 2004, AS WELL FOLLOW ME going up I will sleep under a bridge ... NO CHARGE WITHOUT PRIOR TO THAT SAYS THAT BANKS ARE IN CRISIS.

+23

# 37, ALBERTO

April 22, 2008, at 11:13.

Trichet!, Pig rich, low on the Euribor!

+29

# 38, Anonymous

April 23, 2008, at 11:44.

True, the key lies in the SAVING ... and in this country, we do not know that ...
We live far beyond our means, to make matters worse by becoming the interesting area with the purchase of the house, the car bigger, more expensive clothing brand ... and in the background, the large part we are dead from starvation.
However ... this streak is over, and to keep us already know what to do: to continue wearing Armani, with a piece of mortgage to live in a "good neighborhood", taking the car bigger and better than neighbor, but eating poplar, it does not look to the outside ... what a pity! ... As we have to learn from our parents and grandparents!

+24

# 39, Diego

April 23, 2008, at 14:21.

Totally agree with you, Mr. Anonymous, in my view, the Spanish half has been carried away by the current of wild consumerism, is no longer enough to have basic needs covered, it is not enough to have an apartment in a working class district , Or workers, we must have a house with a Ford snake in the garage, with storage of course, and looking very closely at the neighbor, and the school where to register my child, if there are many immigrants or people of middle class low, I prefer to pay a monthly letter on a fee-paying school or day care to pay .... and a long etc, which begins with eating pata negra ham in the habit instead of mortadella with olives or típical spanish sardine sandwich from my mother, to enter into a debt with the bank to pass the Fair ... decently. I know well that many .. in order to see how we get away now, but I do not think it is so extremely difficult issue of contention, though perhaps that containment should have been applied in a past not so immediate, maybe for many people is too late.

# 40, fernando

April 23, 2008, at 20:24.

IF THE PROBLEM IS NOT THE GOVERNMENT OF THE SINO EURIBOR AZNAR METI TO SPAIN TO THE COMMUNITY BEING IN SPAIN AS A COUNTRY THAT WINS THE MOST POOR IN EUROPE AND EUROPEANS charged interest as if they were RICH TO THE FINAL NAIL BUT WE eat SPAIN VA BIEN TO LAUGHTER

-21

# 41, Diego

April 23, 2008, at 22:08.

In line with the previous comment, which refers to the low level of salary in Spain is rather low, pulling a lower, which makes it more incomprehensible level of indebtedness of the Spanish half, how can we explain that a boy an average of 30 years, working as a cashier at Mercadona, charging around 800 euros, go to breakfast every day to a well-known breakfast bar where cheaper costs nearly three euros?, if we make the account, the above is spent every month, taking into account that works from Monday to Saturday, 90 euros for breakfast that only one person. Now you will say to me ... ..

+15

# 42, echo fire

April 23, 2008, at 22:52.

WE SHOULD ALL OF POND OF AGREEMENT AND FAILING TO PAY THE MORTGAGE shit, would the SEATS TO GODDAMMIT When we will ALL THE SAME TIME According FOR FAILING TO PAY fucking RECEIPT OF MORTGAGE? CUANTAS CASAS would have to pick? IF YOU DO NOT WANT THE BANK HOMES JUST WANT MONEY AND I fucked ME IN THE HORN OF AZNAR ZP AND BY THE EURO get into.

MOBILIZATION AGAINST MORTGAGE YAAAAAAAAAAA
DO NOT COME TO THE END OF MONTH, WE CAN NOT LIVE ASIN.

-2

# 43, stop

April 23, 2008, at 22:57.

You have to be precabidos, the economy in the short term but can foresee a more than five years impossible.
Forget the interests 12% 13 years ago?

I don 't trust me that I made my mortgage with the bank blacksmith in October 2006 at the fixed rate of 4.80%, with opening commission of 1.5% to 20 años.Sin take into account the advice of all understood, and I sleep at night, that is what I have to pay each mo. any case, for the good of all, I expect rates to fall, but I keep quiet.
Good night and good luck!

# 44, Boquerons

April 23, 2008, at 23:48.

I like most is that it is not always the Euribor colgasdos but you are all with him, send all the crap, including the female relative.
Viva the straw Mantalo jejejejeje

-31

# 45, Boquerons

April 23, 2008, at 23:50.

I got a zero patatero com ZAPATERO and the Alliance of Civilizations

-10

# 46, Boquerons

April 23, 2008, at 23:51.

Someone will say something to this Boquerons.

-14

# 47, Diego

April 24, 2008, at 15:02.

The wise remark of Cesar, a solution could be to negotiate with banks applying fixed rates of interest, although that would pay more, if we would have the assurance that our share would rise no .... But, and if the cycle changes And if the Euribor begins to fall, we could arrive at a situation where we were paying the bank much more than the variable interest rate we offer ... what is it would require the government then?, Also would have the cualpa Mr Rodriguez Zapatero?. As to the economic theory of Mr curious. Echo fire ... as libertarian communist theory can be very well .... But that would happen ... I mean really. The banks will soon cease to have liquidity, therefore no longer be effective to make loans ... not just to individuals but also companies ... even the government, (and I say to the officials who might think that the problem is not going to them, because his salary is stable and its use in property); all this would kill the current state of things, come back to the caves economic .... Perhaps for some to be a solution.

# 48, fields

April 24, 2008, at 17:23.

Best of all, I been waiting for a flat k plans to buy some time, the company went to pike and bearing the other was looking to buy a house, but had the feeling k this shit was going to go up and if it did go towards k 350 rental fee for a one bedroom apartment with water and light incluiday'm better mortgage k this shit, you know, I say k k if this year does not go up so low k ended up selling all or be given to the bank but in early 2009 This is going to pike, that I say. Beware enca

-13

# 49, as life itself

April 25, 2008, at 10:39.

Regarding the comment:
IF THE PROBLEM IS NOT THE EURIBOR BUT THAT THE GOVERNMENT OF AZNAR METI TO SPAIN IN THE COMMUNITY
I think that deberíamo read a little history books and see who signed the Maastricht Treaty.

And those who are against the government to take steps to take aid to mortgaged, mortgaged say that, by that rule of three, it would have to pay the aid of the people (aid for schools, dining, grant unemployed , Social security ...) and to give them all if you do not have a hard drive. Huh?

Vamor to see if we think a little what we say before speaking.

# 50, david

April 25, 2008, at 15:45.

Today is a historic day, no? Clearly this negatively, as the Euribor is already around 5% which means that the household economy collapses. not as complete all this, just be friends, we're in big trouble.

-1

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