Euribor

Dec 11, 2009Download as PPTX, PDF0 likes224 views

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Què és l'Euribor? EURIBOR és un acrònim de “Europe InterbankOfferedRate”, és a dir, “tipus europeu d'oferta interbancària”.

És el tipus d'interès aplicat a les operacions entre bancs d'Europa; és a dir, el percentatge que paga com a taxa un banc quan un altre li presta diners. Es defineix com la mitjana simple dels tipus d'interès diaris, aplicats per a les operacions encreuades al termini d'un any en el mercat de depòsits interbancaris de la zona de la Unió Monetària, entre les entitats financeres amb major nivell de negoci.

Realment l'Euribor no és un sol tipus, sinó un conjunt d'ells. Les entitats financeres fan servir diferents tipus d'interès segons el termini a què es presten diners. Per tant es pot parlar d' EURIBOR a una setmana, a un mes o a un any.

Per què és tan important?L'EURIBOR a un any és el tipus oficial de referència més utilitzat per a préstecs hipotecaris a Espanya des de l'1 de gener del 2000.La major part de les hipoteques amb tipus variables es revisen amb l'EURIBOR perquè aquest índex registra menors fluctuacions al llarg del període del préstec.Per això és important seguir l'evolució d'aquest índex i les seves fluctuacions anuals en el mes que ens toqui revisar els tipus variables, per a la fixació de les quotes mensuals d'amortització dels préstecs durant un any.

Com es calcula?El càlcul i publicació del valor del Euribor es realitza tots els dies laborables, d'acord al següent procés:Diàriament se sol·licita a cada banc de referència que enviï els seus tipus d'interès actuals no més tard de les 10:45 h. De 10:45 h. a 11:00 h. (CET) els bancs tenen oportunitat de corregir les seves contribucions si fos necessari.A les 11:00 h. Reuters realitza el càlcul del nou valor del Euribor, per al quin elimina el 15% més alt i el 15% més baix dels tipus d'interès recol·lectats i realitza la mitjana aritmètica de la resta de valors. El resultat s'arrodoneix al nombre de 3 decimals més pròxim al valor del terme mitjà.Després del càlcul, Reuters publica instantàniament el tipus de referència Euribor en el seu sistema Telerate, que estan disponibles per a tots els seus subscriptors i agències d'informació.

Quin és el seu valor?Com es pot veure al gràfic, La evolució de l’euríbor al llarg dels darrers cinc anys ha tingut dues fases clarament diferenciades

Potser amb un exemple numèric ho veurem més clar.Imaginem que desitgem contractar una hipoteca per valor de 120.000 € ,a tornar en el termini de 25 anys.Per calcular la quota mensual que ens correspon, el banc consultarà el valor del l’euribor –que és el que li costen els diners que ens prestarà- i afegirà un percentatge, que és el benefici que el banc obté d’aquesta operació.

Si haguéssim contractat aquesta hipoteca al setembre del 2008 , el banc o caixa ens hauria aplicat durant el primer any de vida del préstec un Euríbor al voltant del5,75%És a dir, una quota mensual de754,93€

Si ens haguéssim esperat un any, la davallada de l’euribor ens hauria permès contractar la mateixa hipoteca a un tipus al voltant d’un1,5%I la quota corresponent hagués estat de479,92 €3.300 €És a dir, una diferència anual de

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Euribor

1. L’EuriborQuè és..?

3. Què és l'Euribor? EURIBOR és un acrònim de “Europe InterbankOfferedRate”, és a dir, “tipus europeu d'oferta interbancària”.

4. És el tipus d'interès aplicat a les operacions entre bancs d'Europa; és a dir, el percentatge que paga com a taxa un banc quan un altre li presta diners. Es defineix com la mitjana simple dels tipus d'interès diaris, aplicats per a les operacions encreuades al termini d'un any en el mercat de depòsits interbancaris de la zona de la Unió Monetària, entre les entitats financeres amb major nivell de negoci.

5. Realment l'Euribor no és un sol tipus, sinó un conjunt d'ells. Les entitats financeres fan servir diferents tipus d'interès segons el termini a què es presten diners. Per tant es pot parlar d' EURIBOR a una setmana, a un mes o a un any.

6. Per què és tan important?L'EURIBOR a un any és el tipus oficial de referència més utilitzat per a préstecs hipotecaris a Espanya des de l'1 de gener del 2000.La major part de les hipoteques amb tipus variables es revisen amb l'EURIBOR perquè aquest índex registra menors fluctuacions al llarg del període del préstec.Per això és important seguir l'evolució d'aquest índex i les seves fluctuacions anuals en el mes que ens toqui revisar els tipus variables, per a la fixació de les quotes mensuals d'amortització dels préstecs durant un any.

8. Com es calcula?El càlcul i publicació del valor del Euribor es realitza tots els dies laborables, d'acord al següent procés:Diàriament se sol·licita a cada banc de referència que enviï els seus tipus d'interès actuals no més tard de les 10:45 h. De 10:45 h. a 11:00 h. (CET) els bancs tenen oportunitat de corregir les seves contribucions si fos necessari.A les 11:00 h. Reuters realitza el càlcul del nou valor del Euribor, per al quin elimina el 15% més alt i el 15% més baix dels tipus d'interès recol·lectats i realitza la mitjana aritmètica de la resta de valors. El resultat s'arrodoneix al nombre de 3 decimals més pròxim al valor del terme mitjà.Després del càlcul, Reuters publica instantàniament el tipus de referència Euribor en el seu sistema Telerate, que estan disponibles per a tots els seus subscriptors i agències d'informació.

10. Quin és el seu valor?Com es pot veure al gràfic, La evolució de l’euríbor al llarg dels darrers cinc anys ha tingut dues fases clarament diferenciades

11. Potser amb un exemple numèric ho veurem més clar.Imaginem que desitgem contractar una hipoteca per valor de 120.000 € ,a tornar en el termini de 25 anys.Per calcular la quota mensual que ens correspon, el banc consultarà el valor del l’euribor –que és el que li costen els diners que ens prestarà- i afegirà un percentatge, que és el benefici que el banc obté d’aquesta operació.

12. Si haguéssim contractat aquesta hipoteca al setembre del 2008 , el banc o caixa ens hauria aplicat durant el primer any de vida del préstec un Euríbor al voltant del5,75%És a dir, una quota mensual de754,93€

13. Si ens haguéssim esperat un any, la davallada de l’euribor ens hauria permès contractar la mateixa hipoteca a un tipus al voltant d’un1,5%I la quota corresponent hagués estat de479,92 €3.300 €És a dir, una diferència anual de

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Euribor

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