Will banks continue to improve mortgage offers this 2025? How could the Euribor close this February? Is it expected that the ECB performs more decreases of types soon? To answer all these issues iarro and electionomista.es They have organized a housing office, a live program that will be carried out Next Wednesday, February 12 at 12 noon.
The retransmission can be followed live both in the YouTube, Instagram and Tiktok accounts of Aiarro and In all social networks of electionomista.es.
Users who want to send their questions will be able to do it to the email [email protected]. They can also leave all their doubts throughout these days in the social networks of electionomista.es And of the Hit:
In this program we will have The Mortgage Analyst of IaHorro Enrique Wazzan and the expert of the same entity José Paino. Both have extensive experience managing the mortgage operations of the user users, therefore, they know how to advise the people who are looking for this type of loans. During the program they will explain how what is the reason why the Euribor has rebounded at the end of January, if this trend will follow and how this situation will affect the mortgage market.
They are not the only issues that the two experts of an ia will answer. They will also dedicate part of their time to answer other doubts that users have: What kind of mortgage is better, if it is worth subrogatingif at the moment it compensates to acquire a variable mortgage, mortgage amortizations … any questions is valid, and Enrique Wazzan and José Paino will not leave any unanswered.
The current real estate context
The Euribor has closed the month of January with bad news. This is because the indicator It has been at 2,525%0.089 percentage points above December 2024 (2,436%).
Is it a worrying fact? “It is normal for this indicator to fluctu and record small ups and downs in its monthly stockings because many macroeconomic factors influence it. of mortgages of the comparator and mortgage advisor iachorro.
In fact, they are not all bad news, since when comparing the data of January 2025 with that of the same month of 2024 it can be seen that there has been a decrease in 1,084 percentage points, therefore, to the people who have people who have A variable mortgage and play review will lower their fee.
Likewise, it must be taken into account that last Thursday, January 30, the European Central Bank (ECB) He lowered the official types 25 basic points. This, explains the Director of Mortgages of IAHorro, “will cause the Euribor to resume the falls we saw at the end of 2024 and position again below 2.5% to increase the distance between both indicators.”
Another positive point is that, despite the increase in the Euribor, Entities have not increased their offers. “Banks know very well how the market works and they will not alter because the Euribor rises in a month less than a tenth whenever the trend does not change too much and, for that, there should be more continued increases,” adds the Director of Mortgages of the comparator and mortgage advisor IaHerro.
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