The Euribor closes January with an average of until the last day of the month, which is more than 0.31 points above the value of December 2022 (3.018%). The figure recorded this Monday the 30th is the second highest of the month - only surpassed by the 3.37% on January 11 - and the sixth highest increase in a single month for 24 years (January 1999). In addition, it is at the highest level since December 2008, when it closed at 3.45%. Regarding its more practical implications for people's pockets, the impact is also significant, with a historic increase in mortgage prices: a variable mortgage for the purchase of a home that needs to be reviewed based on this figure will rise, on average, around 250 euros per month . That is, a payment of about 3,000 euros more throughout the entire year. Thus, in a mortgage of 137,921 euros (average in 2021, according to the INE) to be repaid in 24 years and with a.
Euribor differential plus one percentage point, it represents an increase of 247.6 euros per month compared to the previous year (48 .6%: up to 757.3 euros per month). Guide to requesting a mortgage in 2023: a journey through the desert with more expensive loans, a rush for fear of rate increases and more problems to get the green light from the bank In total, during Asia Phone Number List the 12 months, the borrower would pay 2,971 euros more, which represents the largest mortgage increase since the end of the last century, when the first Euribor data was recorded. In a mortgage of 150,000 euros for 30 years, calculated with the value of the Euribor + 0.99%, the payment goes from 448 euros per month to 716.81 euros, with an increase of 268.81 euros, according to estimates by iSavings . Transferring that review to the entire year, it means ending up paying about 3,226 euros more.
If a mortgage of euros is taken as a reference under the same conditions (30 years and with a Euribor differential +0.99%), the revised installment remains at 1,433.63 euros per month (compared to the previous one of 895. 99 euros): the mortgaged person will pay an extra cost of 537.64 euros per month, that is, a rounding of 6,452 euros more in the total of 12 months. In December 2021, the Euribor was at -0.5% and was close to historical lows, but within a few months it skyrocketed , influenced by the historic interest rate increases announced by the European Central Bank (ECB). This is how the latest rate increase affects you: more expensive mortgages and loans, benefits for savers and the risk of variable income In this way, it reached the 2.83% with which it closed November: then it was its highest level since 2008, but it has been surpassed this January, in the absence of knowing the data for the last day, which would bring from the hand slight oscillations.
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