Iniciado por fito sin ofender, ¿tu marido es director de banco? supongo que será de bankinter ¿no?, porque si tienes un hermano en B.Santander, tu marido en otra compañía y encima tu haces la hipoteca con BK,

Iniciado por fito sin ofender, ¿tu marido es director de banco? supongo que será de bankinter ¿no?, porque si tienes un hermano en B.Santander, tu marido en otra compañía y encima tu haces la hipoteca con BK, al final si que va a ser para cagarte el las bragas. Si tu marido es director de banco seguro que tenía unas condiciones que se caga maría santísima en las hipos normales ¿para que coño una HMD? Yo ahora me acabo de cagar en los calzoncillos contigo. saludos

Iniciado por mariajo Perdona, no quería ofenderte, lo siento si ha sido así, mi intención era todo lo contrario decirte simplemente que no te fiaras de lo que digan hermanos, maridos ni expertos porque en realidad nadie sabe nada de nada, ni el más pintao. Y yo no soy la que tiene hermano en banco tengo marido en una Caja ( y no te digo cual porque no es cuestión de dar publicidad) y mi hipoteca multidivisas la tengo en su Caja. Y una cosa que si os puedo decir es que tienen restringida la concesión de HMD, están ofreciendo cada vez condiciones menos interesantes (mayores diferenciales, menos porcentaje de tasación, mayores comisiones...) todo ello con el fin de que la gente deje de pedirlas por lo arriesgado de la operación tanto para los clientes como para las entidades.

Iniciado por martuela Hola Fito, si he hecho lo de la caca... el problema es que no hice caso a mi fuente que ahora sí sé que es más fiable que la directora de mi banco.... BANKINTER!!! Mi contactillo en grupo santander es mi hermano, está en banca privada dirigiendo madrid y alrededores y me dijo que entrara en euros, que en diciembre me mearia de la risa, y pasé de él... ahora no sé que hacer, la verdad es que creo que entrar a 169 es sudar sangre continuamente. Creo que si salgo y vuelvo a entrar aunque sea a 120 mi vida será más tranquila. Por delante digo que ahora empiezo a entender los conceptos de esta hipoteca, me cegó la cuota y ahora me ciega la deuda. ¿Qué harías en mi lugar? en realidad me va de p. pena pagar 2.000 eurazos de hipoteca, pero me cago en las bragas de pensar que ouedo deber 500.000 y quedar atrapada en el yen, en tiempos de crisis no se está mejor sabiendo de qué vas a morir? Gracias a todos !!

Primero un comentario,

Os hago a tod@s la siguiente pregunta sin excepción , ¿no habeis tenido la sensación de que una Hipoteca Multidivisa es un riesgo altísimo?

Conocer el funcionamiento de este producto está al alcance de todos, pero, si desconoceis los motivos económicos que influyen en las variaciones de los tipos de cambio y del Libor , ¿no os parece complicado acertar en vuestras decisiones?


Segundo una reflexión,

A todo aquel que le pareciera interesante las opiniones de Paul Volcker, le puede interesar este otro video; en él Barry Bosworth da claves para una actuación económica correcta en un corto plazo.


Tercero, unos análisis acerca de la última apreciación del Yen.


Yen Rises on Speculation Stocks to Weaken on Recession Concerns

Yen vs. Euro

Japan's currency pared its loss versus the euro yesterday as the Standard & Poor's 500 Index lost 0.5 percent after increasing as much as 4.1 percent. The yen gained 7.7 percent versus the euro this month as mounting credit-market losses encouraged investors to shed higher-yielding assets funded by low-cost loans in Japan.

``The Band-Aid approach is going to buy them some time, but there's no quick fix,'' said Franco Marsico, the Chappaqua, New York-based head of Greenbriar Forecast Inc., a currency hedge fund with $120 million under management. ``I'd sell the euro, sell the dollar and buy the yen.''

U.S. retail sales fell 0.7 percent following a 0.3 percent decline the prior month, according to the median estimate in a Bloomberg survey before the Commerce Department's report later today in Washington. Figures on Oct. 17 may show housing starts fell to a 17-year low and falling fuel prices tempered increases in the cost of living.

Money Markets

The London interbank offered rate, or Libor, for three- month dollar loans dropped 12 basis points yesterday to 4.64 percent, reflecting increased willingness of banks to lend to each other. It was at 4.82 percent on Oct. 10, the highest level since December.

The dollar rose to the highest level versus the euro since March 2007 on Oct. 10, partly because banks' reluctance to lend to each other spurred a surge in demand for U.S. currency funding in global money markets.

The Bank of Japan said yesterday it will offer lenders an unlimited amount of dollars, one day after the Federal Reserve said the European Central Bank, Bank of England and Swiss National Bank would offer European banks as many dollars as they want at fixed interest rates against ``appropriate collateral.''

The ICE futures exchange's Dollar Index, which tracks the greenback against the currencies of six major U.S. trading partners, fell 0.6 percent to 81.36 yesterday.



Por último, malas previsiones para el cambio Euro/Yen. Son las que son.


Yen Declines Against Euro as Bank Rescues Support Carry Trades but "The strategic view has to be that a global recession will keep seeing the euro sold off."

The yen was headed for its biggest two-day decline versus the euro in more than seven years as global government support of banks encouraged investors to buy high-yielding assets funded by low-cost loans in Japan.

Japan's currency was poised for a record two-day drop versus the Australian dollar as a $250 billion capital injection for U.S. banks raised speculation that investors will resume carry trades. The dollar fell against the euro and the pound as governments' efforts to revive bank lending reduced demand for the greenback as a haven. "It's the unwinding of safe-haven positions," said Dustin Reid, a senior currency strategist at ABN Amro Bank NV in Chicago. "The coordinated government intervention takes the probability of a 1930s-style depression off the table."

The yen fell 1.5 percent to 140.67 per euro at 9:45 a.m. in New York, from 138.57 yesterday. It has dropped 4.3 percent over the past two days, the most since January 2001. The yen dropped 0.6 percent to 102.60 per dollar from 102.01. The euro rose 1 percent to $1.37117 from $1.3581. The pound advanced 1.3 percent to $1.7567 from $1.7341.

The Brazilian real, South African rand and Mexican peso rallied as global governments' support of banks spurred demand for high-yielding, emerging-market assets. The real rose 4.8 percent to 2.0420 per dollar, the rand gained 3.2 percent to 8.8738 and the peso increased 2.4 percent to 11.96. Against the Australian dollar, the yen plunged 3.9 percent to 74.04, after a 10 percent drop yesterday. Australian Prime Minister Kevin Rudd allotted A$10.4 billion ($7.3 billion) in spending for home buyers, families and pensioners. The yen fell 3.4 percent versus the New Zealand dollar to 65.20 and dropped 3.4 percent to 11.74 South Korean won.

Japan's currency gained 14 percent versus the Australian dollar and 9.5 percent against the New Zealand dollar this month as credit-market losses mounted. Volatility implied by one-month dollar options against Japan's currency declined yesterday by the most since Bloomberg began compiling the data in December 1995, reducing the risk of trades in which investors get funds in a country with low borrowing costs and buy assets where returns are higher. Japan's target lending rate of 0.5 percent compares with 6 percent in Australia and 7.5 percent in New Zealand.

"Volatility has been falling broadly as we move out of a panic mode," wrote analysts led by Hans-Guenter Redeker, London-based global head of foreign-exchange strategy at BNP Paribas SA, in a research note yesterday. "We expect risk appetite to stay strong, putting yen crosses under pressure."

The Swiss franc, another funding currency in carry trades, fell 2.3 percent to 1.2278 Australian dollar and 2.8 percent to 7.8352 South African rand. Investors should sell the franc and buy the Aussie, according to Calyon, the investment-banking unit of Credit Agricole SA. "This is a short-term play to capitalize on the current euphoria," wrote Daragh Maher, deputy head of global currency strategy at Calyon, in a note to clients. "We accept that it may not persist once the reality of economic weakness re- emerges."

The London interbank offered rate, or Libor, for three-month dollar loans dropped 12 basis points to 4.64 percent, reflecting increased willingness of banks to lend. Stocks around the world rallied, with the Standard & Poor's 500 Index rising 3.4 percent after gaining yesterday the most in seven decades.

European countries committed $1.8 trillion to guarantee loans and invest in lenders yesterday. Japan and Australia pumped $9.1 billion today into money markets after European leaders agreed to guarantee new debt from financial institutions and use taxpayer money to rescue banks.

Europe's actions may not prevent the region's economy from slowing, some currency strategists and investors said. Morgan Stanley predicts a decline in the euro to $1.25 by 2009, from $1.3581 yesterday and the all-time high of $1.6038 in mid-July. Strategists at BNP Paribas see weakness after "some support in the near term."

"The euro was overbought, over-owned, over-rated and overvalued," said Stephen Jen, the global head of currency research at Morgan Stanley in London. Jen correctly predicted in July that the euro would slump just as it began to weaken 15 percent from its record. "The strategic view has to be that a global recession will keep seeing the euro sold off."

Iniciado por draka Muy bueno tu simulador, es mas, quiero que quede en tu conciencia que gracias a tu primer simulador del antiguo hilo me metí en la HMD, (espero que sea para bien, jeje ). Lo que no me queda claro, es si en la tabla de LIBOR el 1,15 - 1,25- etc es el libor + diferencial o libor sólo

Iniciado por tarado con lo que cuesta seguir el foro creo que deberíamos limitar las discusiones.Esto es para aprender y no para joder a nadie,recordar lo del antigüo foro,no alimentar a los...Pues eso,que no es por molestar pero es que no sirve de nada y además se pierde lo más valioso que teníamos,el respeto.No me arece justo tener que leer tanta pelea de colegio, podría no leerlos pero pienso,...y si no lo leo y me pierdo alguna noticia interesante... En fin,no me enrrollo que no quiero contribuir demasiado a que esto se llene de tonterías que no tienen que ver con el Yen. Un saludo a tod@s sin excepción y buen rollo.El que no pueda soportar tanto estress que se venga a tenerife,está invitado.