Multicurrency mortgage (VI)

Incredible honor for the sixth start this thread.

And for this, the chiki-chiki by nature. Euribor to 12 months to 5%.
2-The crusaíto. Crusaíto it has a lot of people pay pa mortgages at these levels. Will this be like oil at $ 100, it costs a lot to reach what seems impossible and once reached the new ceiling has no ceiling?

Follow this link to the BBC, George Soros gives us a number of predictions about foreign exchange. Summing up ... ..

1. USA is in a long, deep depression over what they believe the international experts and in the future the dollar will depreciate further
2. The outlook for the UK are bad, with the fragility of its real estate market, its debt and its dependence on the financial sector most hit by the crisis. A pound you can get worse even than the dollar.
3. There may be exploding growth of the bubble china and lead to a crisis, although he did not think that happens in the short term.

http://www.bbc.co.uk/blogs/thereporters/robertpeston/

Good at all. I begin to look for information on HCD and the 1st I work with semajante of arte.Dicho this and not find a very modern answer: change a mortgage "conventional" of Euribor +0.45 to HCD? Currency? I have a mortgage of € 89,000.
Many thanks, congratulations and greetings

Good afternoon everyone:

For boedyc

No, you only apply the commission each time you buy a currency, if you pay in the currency you have in your CTA is as if they do it in €.

There are conditions that I found today:

CAIXA CAT
Opening 1%
libor3m + 0.74 (currency)
libor3m + 0.40 (Euro)
80% Taxation
0.20% Change Currency
Do not you charge the first change
Account currency s / gtos
5% clause famous
They say it just to warn you
reach this percentage by whether
you are interested in change?, which does not require
inputs for the difference.

BK

Opening 0.90%
Euribor +0.45
Libor1M +1 (Currency)
0.20% Change
About 0.20% Total
60% Taxation
Cta currency € 45 years
No comments on the clause of 5%

From what I have right now is, that without being a customer of either,
but I think we can improve negotiating.

Thanks to all who continue to make contributions by.

# 3, Javier Logistica

€ 89,000 for not complicate your life with your mortgage and still in the Euribor +0.45.

Stocks of today

Experts Comment / Analysis
17:06:45
External Collaboration: Mortgages multicurrency
Then transcribe an interesting article by Antonio Bernárdez, director of accounts Hipotecame.com who kindly sent us this interesting article explaining the functioning of mortgages multicurrency.

Multicurrency mortgages

At the time of study recruitment or subrogation of a mortgage, many people, who, naturally within the current financial market looking for the optimal solution for their pockets and hence to its economy. The multicurrency mortgage can be in many cases like the perfect solution but ...

What really is a multicurrency mortgage? A mortgage is a multi-product financial non-conventional mortgage, which has the following characteristics:

1. The debt is purchased in any currency, with no obligation to keep it in the same currency for the lifetime of the loan (allowing the exchange between different currencies).

2. The interest rate will depend at all times the currency in which we maintain our debt. That interest rate is Libor referenced to each currency, the Libor is published every day in the BBA (British Bankers Association http://www.bba.org.uk) and every publication you can observe the different interest rates every country or area. In the case of the Euro Zone, which is located in Spain, will use the Euribor, but if our debt is in dollars for example, will use the dollar Libor.

Once we saw the key points, the first assessment which included, is that by having our debt in another currency that is not ours, we are depending on the value of the future may have in that currency with respect to ours.

Example 1: Contract of a multicurrency mortgage in order to acquire dólares.A which will be its usual home, a person needs to be granted a loan of € 100,000 with which to pay it all, let's say that the day that his signature The mortgage rate € / $ is at € 1 = $ 1.60. The debt that therefore this person is taking with its credit is $ 160,000.

If we continue with our example and assume that for a year by paying the dues for this person returns $ 5000 (after the relevant purchase the dollars needed to pay such fee). Its debt after one year would be paid in $ 155,000.

Until all clear here, right? But what happens if after a year of the contract the exchange rate € / $ is no longer the same and at this moment is € 1 = $ 1.30? If we made a simple calculation we see that the answer is that our debt would be € 119,230, or whatever it is, almost 20% more than what we had initially.

Is it possible that happen? Of course, just the opposite might happen, that is, away from the dollar revalued against the euro, is devalued. So that instead of increasing our debt, decreases. Will depend as we have explained to the fluctuations that occur in the currency market.

More than a mortgage, it seems a product of investment ...? Indeed, a multicurrency mortgage is primarily a product of financial risk as we have explained, so first of all, who wants to hire must be clear who is taking an obvious risk .

In addition, be aware that as comentábamos earlier, if for example our debt is in dollars, the interest rate that will pay the U.S. Dollar Libor. Let's look at another example:

Example 2. Payment of shares in another divisa.Utilizando data from the previous example, what is the fee that would pay my debt if you keep it in euros, and what would be changed if the dollars? Let's make a simulation.

Euro interest rate of 4.5% of the dollar interest rate: 3% fee on an interest rate of 4.5% from € 100,000 to a term of 30 years: 507 € fee on an interest rate of 3 0% € 100,000 to a term of 30 years: 422 €

After seeing this, it is clear that there are many aspects to take into account when changing currency. Our market share may be changing constantly, and not just because we have seen by potential changes in interest rates when changing currency, but also because as I mentioned earlier for the study of our debt a year after have been purchased by the fact that in each currency you are buying shares may have a cost different from the last time, so the fee also varies even when we keep the debt in the same currency and kept the interest rates on the same.

Okay, I want to take the risk, and now what do I do? The different entities (banks and savings banks) tend normally offer different types of mortgages multicurrency, the differences between them lies primarily on the cost and deadlines repayment of contributions. Typically we find that the savings banks to grant mortgages multi-referenced to a 3-month Libor with repayment terms that are at least 3 months. While there is something in the banks more flexibility to offer mortgages could reach multi-references to 1-month Libor with monthly payments.

Similarly, as an unconventional product differentials that are applied are different from usual at a variable rate conventional mortgage, where a person with a good economic profile can access spreads of 0.25% to 0.50 % Which is added to the Euribor to a year. In the case of a multicurrency mortgage, the differentials are located around the interval 0.70 to 1.20% added to the 3-month Libor for the currency.

Changes of one currency to another is often associated with the payment of a commission of change, the cost of which will depend largely on each entity and make the negotiation with the client that entity, speaking normally in per hundred or per thousand. In addition, currency exchanges can only be done (normally) in the overlapping dates to the payment of the appropriate fee, that is, if example by the person's example No. 1 contract with a multicurrency mortgage payments on a quarterly quota, only every three months may seek to change their debt to another currency, this detail should be considered for those who seek to change their currency often to take advantage of differences in the markets.

What are the usual coins with which it works and that interest rates are applied to each? Coins with which usually take place this type of mortgages are three, dollar, yen and Swiss franc. Here are the characteristics of each.

Dollar: Because it represents the first global economy, their behavior against the euro largely depends on the course that will lead the economy in the United States. Interest rates depend on the decisions that mark the EDF.

Yen: Currency with high volatility, its short-term variations tend to be large compared with other currencies, but equally allows much larger swings in their quotes regarding the Euro. Another of its attractions is a low interest rate, Japan is a country where there is virtually no inflation and where the BOJ (Bank of Japan) have interest rates between 0 and 1%.

Swiss Franc: It is one of the most stable currencies in the world, its variations against the euro as a rule are minimal and interest rates are often less than the rates in the euro zone, is the most desirable option for profiles Irrigation more conservative.

Just qualifying for her people who have knowledge about the markets? Not at all, there are companies in financial intermediation, where after seeking and obtaining the mortgage multicurrency's right for every customer, (commissions as low as possible, low spreads, and so on. ) Offer advisory services on various future options that the client can go on depending on the data that experts from these companies are obtaining from different markets.

However, it is not a product recommended for those with no knowledge about the world of currencies seeking access to a mortgage "cheapest" because it may happen that the cure is worse than the disease.

Hoping to have given a little more light on this mortgage product, is fired.

Antonio Bernárdez Director of Audit Hipotecame.com abernardez@hipotecame.com

Josema thousand thanks, what happens is that I am quite thrown around and watching what you do, parachute fun until .... for the time being I will continue trying to learn and waiting.

# 7, Javier Logistica

The truth is that the HMD are anything but assure you that they are not funny at all.

If in the end you get in this, you will see that "good" when you spend your debt of € 89,000 (which will be when converted into € 92,000 for commissions and taxes) has been converted into 100,000 or 120,000 or 150,000 €. You gonna laugh a lot.

Sure, it can also happen otherwise.

At this time, for what you have left to pay and with the euro at historic highs, I do not tempt the devil. The experiments ... with soda.

Greetings

Hello everyone again ... the truth is that these were a season and read all the post takes time.

I wish someone would explain to me one thing, all you have on the HMD in BKT. Have you tried the new system purchase of foreign currency which has set up BKT? In this case, how it works?

A greeting to all

CACITOP arroba HOTMAIL.COM

Could it be that at this time the Yen was about to break the 'barrier' of the 163 €? 162.90 is ... and throughout the afternoon to overcome a couple of times the 163.
Virgencita, which rightly Charlygust and in a few days will see a 170.
Tomorrow I will adjourn espectante.

Greetings.

I think that the Yen is not going to get to 170 but will be maintained between 160 and 168 a few months.
I have Mortgages in Yen and I do not think change in the short term.

Greetings

Health multidiviseros

We transcribe opinion article in yesterday's El Mundo by providing a vision "to upstream" with respect to oil:

"Eight reasons to think of oil to 85 U.S. dollars: 1) The production of large falls wells and the replacement is not going well, but why oil has risen from 10.5 U.S. dollars in 1998 to 125 today, This reflects that the demand has grown over the offer. 2) Whenever the U.S. has grown below its potential, the demand for crude has fallen in 2008 and is going to happen. 3) It is true that consumption in China is growing but only 8.7% of global demand and assure them that the levels of GDP growth of 10% are not sustainable, which reduced industrial demand. 4) The lower rates the Fed has caused the fall of the dollar and rising oil as the market has been well covered for loss of value of the reserves denominated in the greenback. The end of the decreases in rates will cause the dollar to appreciate and excessive rise in crude as a way to hedge the dollar will disappear. 5) Explore is 40% more expensive, and therefore we think that 85 dollars is a reasonable price. 6) Using a regression model between industrial and oil prices, the figure that comes out is 71 dollars. 7) The demand for ETF funds and raw materials will not be the same, bringing the gap between financial and real price will be reduced. 8) The technical levels indicate a clear overbought and a verticality at the rise difficult to sustain with the average of 60 days 32% below the current price. Alberto Espelosín Audera is director of analysis Ibercaja Management. "

For OLR # 923:

I have no problem with that of my name. Quite the contrary.
Greetings.

To # 4 jorge:
In that Territorial you have given the conditions of CAIXA CAT.
Thank you

Hello,
resistance at 163 yen is strong, does not square with the data we have, alqguien knows why? Can anyone comment on what should happen to be broken
?
Well, Chiki Chiki, 12 + points ... fixing.

Statistics home: I have drawn my average purchase of foreign currency for payment in the year that I have mortgage in yen, including fixing: 162.76. Could have been better, but I with a song in the pines. Payment of commissions to purchase: 30.23 euros (5 purchases). Not bad.

I have a few days with different banks using sucurlales and I'm up to the sites of the People's Bank. Or you do not serve well, or do not have a clue or enumerate some are beginning to make the topic of taxes to the Treasury.

Today I received the following information from a branch of Popular.

Opening 1%
Libor +0.90
Money Exchange. 6 € per month minimum.

Currency exchange. I had no idea what he was speaking, told me that if I mortgages in yen, could not cvambiarme to any other currency unless they cancel and make a new one. In the end, after 5 minutes of discussion, calling to the expert who was advising me and said it was a 0.2%

Cancellation Commission particial / total .... do not know ¿¿¿ ?

Finance subject to taxation. We have to pay taxes but do not know where.

Fixing: "Fi?" He said. Explain it to me and said 'AAAAA disurb 1%

Account parallel currency. He told me that only in dollars, then said that the currency you want.

Does anyone know any reliable office of the People of Madrid and to talk to confirm details?
I'm interested in what the 6 €, as the 15 Bankinter is one pass. It is also very interesting because you leave borrowing up to 50%. And to be able to buy at any time, is another advantage.

# 9, cacitop

Tb I have doubts, by the total lack of experience. In the foreign exchange broker in Bankinter you take high foreign exchange spot, I think it is (which is not intraday), quena proud, and you see the value of buying and selling exact moment. My question is: should we open an account in the currency specifically, in my case CHF? Is not there already implicitly open when you open an account multicurrency mortgage?

Thank you all. For exist.

For UAP # 14:

In Valencia, you look good or not

Thanks and congratulations to all those who do this forum with your comments, I have a lot of time reading and what I know of HMD for you and what are not the masters of our Dracula story.

In June I have to deal with the purchase of an apartment and has not been able to sell the previous cn what I have to ask for almost 300,000 euros. And I already have another mortgage on the $ 350 payment.

Is that there is no good time to get in but Yen is my only outlet to deal with monthly payments. I am saving about 600 euros per month.

As might sell another apartment and had to write, I would go to something more secure, but my fear is that at that time the yen goes to 140 or 130 and my debt will multiply.

It is safest to do so with DB and I doubt is as follows:
I offered to 3m libor (0.65), and the quarterly reviews. If I wake up one day and the yen fell from my Stoploss (say 150) Can I call my bank and tell me who sells debt and go to CHF or other currency, or should I wait for the revision? I just review and if I have to wait three months to change their currency, you can change that when I leave the yen this much higher and my debt is much higher. In the branch I had not been clear.

Thank you very much

17 # Jose

Our esteemed Agustí I recommended the People's Arturo Soria, I spoke with the manager of the branch, and I thought it was very competent, did not sign him because housing is in a different location.
They call it the fixing disuc or something and the commission of change that they gave me was 0.15% mim. 6.01 euros. If you want to see my conditions are in the forum.
The famous clause of indebtedness is 10% and the conditions have been tightened since I signed, anyway negotiating and bargaining, there is always some rebajilla, yes for your peace of mind better than firm with someone who knows the subject, in this case not admit rebate.
Check patience, not to admit that they did not know, I marearon the unspeakable in the journey through the offices and hair came by to the date of signature.
Recommendation: If you enter into an office and ask about the fixing (or otherwise) ¿mandeeee you respond? Flight, the tranquility is priceless ...

Greetings
Pink

# 18, ERN

I understand that no, your debt is in CHF but if you have not opened an account in CHF, GBP will be in your account.
I'm in JPY and I opened an account in JPY. When the change is intardía well as meth and no play Russian roulette.
I too am going to investigate this from a broker because we are flawed all day watching to see what happens with our currency in the online, we should be able to take advantage of the high peaks to buy.
When you find out something about it ....

Hello Forofas.

Jesus Christ, a barrel of oil to 135 ... and almost does not stop the dollar from collapsing ... O depreciating, or even if we can pay the mortgage, bread and milk, so what we pay expensive ...

In this scenario, I do not strange that Trichet did not want to lower rates ...

We are in a "tense calm" that title more beautiful;-P.

"The briquidans" jajajaja.

Cutresalchichera My intuition is that this calm is because everyone is with the "Prieto ass" (pardon me) because they do not know (still do not know) the actual extent of the crisis USA. But there is a more crucial factor from my point of view on the lack of information, and that is that, as has been said here and I think a juntillas feet, this is not an economic crisis (economic crises in the economies do not grow , Decreases), is a crisis of public confidence and liquidity (a consequence of the first) in the markets. What happens? Well, that means giving negative information to aggravate the crisis of confidence, so you better make with dropper or, if possible, hide the bad data.
In order for me (cutresalchicheramente) that is fatter what they dare to say and we are in a vicious circle of no information, no-confidence, non-investment ...
Let's see where bursts.

Thanks, Urovi. It would be nice to draw conclusions for the best, as you say, take advantage of something that we are all day mareaos with online.

On the other hand, look at the superhuman intelligence of analistos. Today, as expected, as these are already the number "5" in the Euribor, is home to everything

http://www.expansion.com/edicion/exp/mercados/es/desarrollo/1126346.html

To # 19 jorge:
And I say that the exact location of that office.
Office Number, Street and City.
Look in the Balearic Islands, located at the Palma Pl. Comte's Rossello, 2;
Now that I am negotiating with them, I offer:

Opening, 0.80%
libor3m + 0.90 (currency)
euribor12m + 0.59% (euro)
80% valuation
0.30 Currency Exchange
Do not you charge the first change
Account currency s / gtos
Clause 5%
fixing 0.1%

Your conditions are much better than mine, so I ask you as much information as possible from your office, to squeeze the director of my office.
I hope your answer.
my email is mesquibar@telefonica.net
thanks.

jeje.
Broker Bankinter, I give "buy currency," he tells me that I do not have an account in that currency and a button "open foreign currency account." If they beat me is going to the home page of the broker, not more.

? ¿Urovi?

Hello everyone

Do not give a "do not know who" see the Euribor at 5%?

Here are the md's "suffering" and hoping each day an "apocalypse" (rising rates in Japan and a significant revaluation of the yen and CHF).
In many cases there is (mine is one of them) that our acquaintances who know they have an MD we are "crazy fools" and the truth is that perhaps some day give them the reason (we all hope will not) but until moment who are really going wrong are those who are with you or Euribor and short story "The temblequeo" of more than one in the next revision ...

It really was not easy for me to move on MD but when I finally decided it was aware of the risk taken with all the consequences, and always under the condition of "pringaillo" and in any case more ready than anyone else because what today is "white" tomorrow may be "black".

What if I feel important (as if there was something decubierto!) Is that before hiring the MD must be informed as best as possible, and contemplate possible scenarios raise strategies.

In my humble opinion we should try to do the complicated simple. "

To do so starting from a base to take advantage of low interest rates. This is for me the most important issue.
From here we can reduce the palntearnos everything we can with our amortizing debt which, for example, we are saving with respect to the Euribor and if we have the ability to buy currency at a price "interesting" because great.

On the other hand we have the possibility to change the currency but it josema commented: Eye that we can catch your fingers.

I think the currency exchange is another option that we have and we never ruled out but I do not particularly obsessed because it's not as easy as it looks and if you do not walk with care (freewak) can make life good way of increasing our debt, in addition to having some major expenses.

As said josema must take into account the fixing, commissions and the "waist" of the bank so you can make the change on the day that I want and not have to wait at maturity, as I SabadellAtlántico happens, I have also written notice of 4 days in advance and know the price that touched me in that period of time.

Forgiven by the "ladrillazo" but that the topic is appears to me very important and I do not want someone to "get their fingers" ...

Morale is already low for the Sabbath!

A greeting

Agustí

* Jose. Rosana and you said the office and for that reason is true, "the calm does not have a price."

* Javier Logistica. Think about what that says josema although you can make numbers to see it more clearly. At the forum you will find tools to do so.
Just in case my mail: mefagusarrobahotmail.com

First of all, congratulations to all the taxpayers in this forum. I believe that unity is strength and all are doing a very valuable site. I have read many of the 6,000-odd posts there, but I am very letters and still do not understand some things. The fact is that I think we're going to make the mortgage in MD, and have gone to an office of Banco Gallego in Madrid. Although I still do not have all the data (me are doing the study) is initially LIBOR + 0.85. You have views and / or information concerning this bank in particular? I think the difference is quite high as what I'm reading the latest dates but at least I get to 80%, which I need to.
I will give you more information as available.
Indeed, there was someone who had given very good characteristics in an office of Banco Popular de Arturo Soria. Can you give a more concrete info? As long as this street is that there will be more ...
Many thanks to all

For Polina

Is the first time that I hear about this bank with which I can not give you any reference. In principle may be one more to add to the list ultimately whether the contracts with them.
As for the conditions you to think that each of us our "special situation" which will not be the same for everybody, but it is clear that the more options you have the better, because then you will be sure to offer you more interesting.

A greeting

Agustí

* On the office of Arturo Soria foristas I know of several that recruited in that branch.
Send mail.

For UAP # 26:

Is on its way

greetings

For Polina

Hey, I think the difference is not so bad, BK is usually 0.9%, for example. Yes, you have to take into account that is a month Libor, in some cases at the Forum, a differential is much smaller for quarterly Libor, which is higher than the usual monthly. En algún caso hay gente que ha comentado que tiene Libor + 0,75 en Caixa cataluña…
Importante también los otros datos: por ejemplo la comisión mínima de cambio o el fixing, puede suponer más dinero al mes que un 0,1% de diferencial…

Comentario general, JPY a 163,4 ¿asistimos al comienzo de la ruptura de la resistencia 163? ¡ojalá! Velas a Charlygust

un saludo

Hola y gracias Agustí y Josema. La verdad Josema que me choca un poco que resaltes lo malo que podría ser, y no lo que tambien podrías ahorrar. El caso es que necesitaria pagar menos cuota durante una temporada, y la solucion de mi banco es una nueva hipoteca sobre la misma casa y con unos gastos totales al firmar de ¡¡¡¡2300€!!!!, y el euribor en 5 y subiendo.
Agustí, he leido tanto que no recuerdo donde estan esas herramientas, te mando un mail.
Gracias a todos.

#28, Agustí
Para nada es un ladrillo. A mí al menos me interesa mucho todo lo que comentas. Estoy de acuerdo en que los ‘locos’ que nos hemos metido en HMD somos mirados por muchos con envidia ahora que el euro está como está y subiendo. También es cierto que los mismos que nos miran con envidia siguen pensando que pasarse a HMD es una locura y que probablemente no dormirían tranquilos en 30 años si ellos lo hicieran. La verdad es que yo duermo relativamente tranquilo porque me estoy ahorrando un dineral todos los meses y mucho más si pienso lo que estoy amortizando también todos los meses cuando antes el 70% de mi letra eran intereses y ahora el 70% va a amortizar capital.
También estoy de acuerdo en que la hipoteca no es para jugar. Y si quieres aprovechar un momento de bajos tipos de cambio en Yen pues quizá lo mejor no es pasarte a Francos Suizos sino comprar todos los yenes que puedas y amortizar. El problema es no tener el dinero para hacer esas cosas. No obstante, aunque lo de cambiar de divisa en un momento favorable lo sigo meditando, cada vez me da más miedo, y es que también hay que pensar en que ese cambio puede suponer salir con el yen a 170 (muy favorable) pero luego qué haces? ¿te vuelves a meter con el yen tan alto? No parece lógico. ¿Esperas a que vuelva a bajar con la consiguiente incertidumbre? No me veo haciendo eso. Y sobre todo, porque mientras espero estaré pagando en Francos Suizos (por poner un ejemplo) bastante más de lo que pago ahora en yenes.
Por terminar, cada vez estoy más convencido de que el yen es para quedarse y ‘apencar’ con lo que venga. Y sólo cuando vengan muy mal dadas pasarse a otra moneda, pero también para quedarse una larga temporada en esa moneda.
En fin, que no tengo nada demasiado claro y lo voy madurando. Entre todos me ayudáis y os lo agradezco.

Efectivamente, el yen parece que acaba de romper la barrera del 163, porfa que siga para abajo sin límite!

#28, Agustí

como siempre, tienes más razón que un santo… hay que poner un poco en su sitio a los locos cariocos que se piensan que esto es un chollo y que van a hacer el tiburón financiero entrando y saliendo continuamente de una divisa a otra.

#33, Javier Logistica

si tienes necesidad o estás apretado, la cosa cambia. Yo lo que te quería decir es que la cantidad que debes es bastante pequeña (89.000€) y que en condiciones normales yo no me complicaba la vida. Ahora bien, si tienes que reducir cuota, pues hazlo. También tienes la posibilidad de ampliar plazo en tu hipoteca euribor (no sé si estarán ya aprobadas las medidas del Gobierno para poder hacerlo sin gastos).

Para todos

Que cada vez hay más gente interesada en las HMD es algo que intuíamos, pero de lo que no teníamos pruebas… helas aquí!

http://www.eleconomista.es/mercados-cotizaciones/noticias/380633/02/08/Economia-Vivienda-Los-interesados-en-hipotecas-multidivisa-crecieron-un-28-en-el-ultimo-trimestre-segun-un-estudio.html

….y Charlygust…. ¿dónde éstas?….¿meditando?… Esperamos tus consejos.

Saludos

Os pongo en el hilo 6 las herramientas.

Decid descarga gratis (free).
http://rapidshare.com/files/111917251/1SIM.zip

Hola a todos,

Presentarme a este foro tan interesante. Vengo informandome de este tipo de hipotecas desde hace tiempo. Me entregan la casa en 1 mes y estoy buscando HDMs aunque ya me han concedido una en euros (BBK 0,25%)..
El caso es que me surge una duda muy importante….
Tengo una cuenta en dólares en el extrangero con dinero de sobra para pagar la casa. Es de mi padre y yo figuro como co-titular.
Hoy he ido al DB y me han dado una hojita informativa en donde ponía que este tipo de hipotecas es ideal para residentes en españa con sueldos en moneda extrangera…lógico por otra parte ya que pagarian solo de acuerdo con el LIBOR, no tendrian el riesgo de la divisa..

Mi pregunta es si yo podria pagar con esa cuenta que tengo en dólares y por lo tanto, sólo depender del LIBOR dólar no del valor del dólar.

Gracias y enhorabuena por el foro.

alex - 629063931

Para IGNASI

Hoy he hablado con Oscar de tu BK en badalona, y me ha parecido un tipo excelente. Hemos quedado para mañana mismo para una charla en persona y ya pienso llevar papeles para ir al grano. quiero hacer esto cuanto antes!! Si todo va bien te debo varios cubatas!!

Salud a todos!

Buenas tardes a todos/as,

La verdad es que la gran mayoría de los que estamos aqui no tenemos la suerte que tiene un tocayo mio.

37, alex,

Bajo mi punto de vista… (que no tiene por que ser correcto) entiendo que no tendrias que tener ningun tipo de problema. Es como tener una cuenta en divisas paralela como las que alguno tenemos para ir haciendo provisión de moneda. Lo bueno que tienes es que tu esa provision de moneda ya la tienes hecha y por tanto solo te tendrias que preocupar de (como bien dices) del libor dolar.

Para todos,

Yo que quereis que os diga… (quiza mas de lo que dicen algunos por aqui) Yo no veo el yen ni a 130 ni a 180. Creo que actualmente estamos en una época de inestabilidad muy grande y por lo que se ve en el comportamiento de la moneda no tiene muy claro hacia donde ir.

De momento ya ha traspasado el techo que tenía, (ahora mismo está a 163,72) lo que creo importante es que ese techo al final se convierta en un soporte de peso, viendo que ha ido manteniendose en niveles parecidos en estos últimos días.

No se por que pero me da la sensación que pronto tendremos algún sustillo los yeneros pero que nos volveremos a recuperar y volveremos a estar como ahora. (Veremos a ver que pasa)

Ehh!! alguien sabe algo de Charlygust… Podía volver para darnos su opinión.

Bueno chicos/as… os digo lo de siempre…. que sois geniales y que muchas gracias a TODOS los que colaborais en hacerlo así de ameno e interesante.

Por cierto el euribor al 5′00 !!!!

Alex

A los que me habeis enviado mail sobre la quedada en BCN!!!

Os he enviado un correo con primeras ideas… a ver que os parece.

Por cierto quien se quiera apuntar todavia esta a tiempo….. Y… cuantos más seamos más reiremos!!!!

Os dejo mi mail para lo que necesiteis delfin_ac@hotmail.com

Alex

Para Matrix

Pues mucha suerte Mattrix; a ver si te lo explica tan bien como a mi, te ofrecen buenas condiciones , etc

Que te vaya bien

Buenas noches a todos:
Bueno la aparecio la palabra maldita para los americanos: estanflacion, Para nosotros bien. Segun Commezbank la semana que viene el cruce euro dolar estará en los 1.60. Pensaba comprar divisas mañana pero me voy a arriesgar y lo dejare para la semana que viene a ver que pasa.
Esto es volatilidad. La semana pasada diciendo que lo peor de la crisis había pasado y que se esperaban ruptura de soportes y ahora crisis y recesion. En fin que no se sabe muy bien de que va esto. SAludos a todos.

Hola a todos de nuevo, alguien podría explicar un poco en ´cristiano” los terminos técnicos de las alertas del forex, es que no entiendo ni pajolera:

Alerta - 17:30 (CET) - Intradiario EUR/JPY
El cruce EUR/JPY (euro frente al yen) se negocia a 163.41 yenes por euro, oscilando en la presente jornada entre 162.25 y 163.51. (hasta aquí, ok)
Mirando los gráficos por hora, las Medias Móviles Exponenciales (??)(MME) de 20 y 50 días se encuentran por encima de la MME de 200 días (xq 200 días?).
Dado que la resistencia (cuando se fija la resistencia?) de 162.95 (máximos de 15 de mayo) ha sido penetrada, los operadores contemplan el siguiente nivel en 163.88 (máximo del 28 de abril) y 164.94 (máximo del 22 de abril). A su vez, se tienen en cuenta los soportes de 160.14 (mínimo del 13 de mayo), 158.60 (máximo del 9 de mayo) y 156.06 (mínimo del 31 de marzo). Soportes??

(Y ya de este no entiendo na´de na´) Mientras tanto, el Indicador de Fuerza Relativa (RSI) de 60 minutos está en 57 puntos, luego de haber estado sobrecomprado. La volatilidad por hora es 135 pips. Siguiendo con los gráficos por hora, el precio actual se encuentra por encima de la del 23.60% (161.83) y por debajo de la del 0.00% (164.95) de los Retrocesos de Fibonacci.Aler
MME, Soporte, resistencia, RSI… (Fibonacci al menos se quien era..)
Perdonad mi ignorancia…..
Aupa yen¡¡¡sigue pá rriba…

Yo hace mucho tiempo que leo el foro. Soy de los que tienen todavia su hipoteca en €. Me estoy pensando en una HMD, he incluso Ignasi y GCG me han dado referencia del banco de Bk que hay en badalona.

Para los que tiene una hipoteca en € y se estan pensado en meterse en una HMD. La verdad que los numeros estan locos, el yen superdevaluado, el dolar tambien, el crudo ni os cuento, y para colmo el € casi al 5%. Yo soy de la opinion (dentro de mi gran ignorancia) en que esto rebentará por algun lado.
Solo reflexionar y esperar (como dice mi padre, Paciencia y una Caña) y si no lo veis claro, hacer como un servidor, a la espectativa, no os precipiteis pues vuestro dinero y hogar, que estan en juego.

Ademas, las condiciones que dan los bancos hoy en dia son abusivas. Hace unos años, te ponian una alfombra roja al entrar al banco. Comision de apertura 0%, euribor +0,30 0,40, cuentas gratis, estudio de la hipoteca gratis, todo gratis, (Incluso el director del banco te ofrecia a su mujer gratis..)

Hay que esperar y tener paciencia, que todo cambiará, los 0,9% de apertura, los 0,2% de cambio, el 10% si se devalua la moneda, etc…

CON TODO MI CARIÑO, UN CONSEJO, PACIENCIA.

Hola compañeros “cutresalchicheros” (aunque he leído todo el foro, nunca había escrito antes), acabamos de firmar la HMD en yenes y tenía una duda del fixing que os aplican en vuestros respectivos bancos.

Nosotros hemos conseguido buenas condiciones (entre otras un diferencial de LIBOR+0,5) pero el fixing es alto (1,3%), asi que nos quedaríamos para compensar el fixing, más o menos con unas condiciones parecidas a las que dan en el Barclays de LIBOR+0,65 (desde mi punto de vista un poco mejores las nuestras que las del Barclays).

Un saludo.

Quisiera saber como hago para comprar divisas en forex.
Que me recomendais?, me gustaria ir amortizando cambiando en mejor momento, pero el fixing de Bankinter es abusivo.
Estoy con el broker de Bankinter comprando al contado. y me dicen en la ofiicina que lo haga asi y no al intradia que es muy arriesgado
¿que opinais?

Buenos dias chicos, una cosa que siempre me ha llamado la atencion es cuando decis lo siguiente: si tienes una hipoteca en yenes y se revaloriza el yen debes más hipoteca.Esto sería del todo cierto si cambiases a euro, sino no.¿o no?.

Para Josera: creo que en forex puedes operar pero no transferir tu divisa a tu cuenta en divisa (y creeeme el 1% del BK es mas bajo que mi 1.1% en DB, que me he quedado pasmao…)
Para SETI: tienes que tener en cuenta que necesitas euros para comprar yenes y es aqui donde esta el problema; más euros para comprar los mismos yenes que necesitas. Buenos dias. ya ver que sobresaltos tenemos hoy…
Por cierto: interesentasimo comentario en carpatos que os posteo:
“Fuertes ventas en la deuda japonesa, siguiendo las producidas ayer en USA. El JGB a 10 años alcanza la rentabilidad más alta en 9 meses en niveles de 1.74 %. El depo a un año por encima de 1.25 %, frente al d/d en niveles de 0.5 %. Y con el BOJ manteniendo tipos en su reunión de esta semana. Pero, conocidas hoy las Actas de la Reunión, parece interesante resumir sus conclusiones:

* Aumentan los riesgos para la economía mundial
* Exportaciones japonesas se moderan en línea con la desaceleración de la demanda
* Es factible que veamos una moderación en el crecimiento de la inversión
* También los beneficios empresariales se pueden resentir de la subida del JPY
* Las expectativas de inflación comienzan a aumentar
* Tensiones en los mercados financieros se han reducido, pero se mantienen los nervios

Sobre el punto anterior de las exportaciones ya se comienzan a observar algunos inquietantes datos. Ayer conocíamos como el superávit comercial de abril se reducía casi un 50 % ante la caída de las exportaciones (en volumen un 5.5 % mensual). En JPY en tasa anual han subido un 4 %. Por destino, las exportaciones a USA bajan un 7.8 %, a Asia un 1.9 % ya los productores de crudo un 4.7%. Hacia la zona EUR también se han reducido en tasa mensual, un 5.6 %.
Es cierto que parte de estas caídas sólo suponen una moderación frente a las subidas de marzo del 4.2 %. Pero también lo es que desde finales del año pasado se observa de forma clara una moderación en su evolución.

La economía japonesa creció un 3.3 % anualizado en el Q1, por encima del 2.6 % a finales del año pasado. En ambos casos, ayudada por un fuerte aumento de las exportaciones (tasas anualizadas del 19 %). Es evidente que esto no se mantendrá en los próximos meses. Frente a este buen comportamiento del sector exterior, la inversión empresarial se redujo un 0.9 % en el primer trimestre como consecuencia de un deterioro de los márgenes y de las perspectivas.
Nuestros economistas esperan un crecimiento estable, y bajo, de la economía en los próximos trimestres. Pero de más a menos: un crecimiento real del 1.7 % para el presente año fiscal y en niveles de 1.4 % el próximo. Claramente por debajo de su nivel potencial, estimado en niveles del 2.0 %. ¿Y la inflación? se mantendrá elevada, para los cánones de Japón, en niveles de 1.5 % en el verano (core inflación, incluyendo alimentos) aunque se moderará probablemente hasta un 1.0 % en 2009.
No, no parece un escenario propicio para una subida de tipos. De hecho, admitiendo una combinación de crudo y USD en niveles de 120/100 respectivamente, esperamos que el BOJ mantenga los tipos de interés oficiales en el 0.5 % a lo largo de este y el próximo año.

Por cierto, si ayer la bolsa corrigió a lo largo de la jornada la caída inicial del 2.0 % hoy ha pasado todo lo contrario: en estos momentos sube un 0.24 % tras comenzar la jornada con fuertes aumentos.”
Ummmm…¿y si recortarán un cuartillo si la cosa se pone muy fea?

#47, SETI

si tu compras 1.000 acciones de Telefónica a 22,00 €, te cuestan 22.000 €. Si esas acciones bajan a 5,00 €, tú tendrás 5.000 € y no 22.000 €, las vendas o no las vendas. Tu activo serán 5.000 € y no 22.000 €.

Si tu compras una casa por 300.000 € y dos años después la quieres vender y te dan sólo 200.000 €, el valor actual de tu casa son 200.000 €, la vendas o no la vendas. Por la misma razón, si el precio de tu casa sube a 500.000 €, tú tendrás 500.000 € y no 300.000 €.

No por no celebrar los cumpleaños dejamos de cumplir años.

Saludos

josema, de acuerdo, pero como todo en esta vida si tu te hipotecas 100.000 euros a 160 yenes/euro serian 16.000.000 de yenes de hipoteca. el yen se va a 130 yenes(una mala pasada), optas por quedarte en yenes y aguantar como un jabato.conclusion:tu hipoteca es de 16.000.000 yenes, claro esta que la letra te aumenta de valor, porque tu cobras euros y tienes que pagarlas en yenes.solo seria mayor si cambias. lo contrario que si se pone el yen a 180 pues debes 16.000.0000 yenes y si cambias a euros debes menos.no?