[marios]

Was wondering if there yearly interest rate reviews are always at the same time,my payment changes in April but I have noticed that the Interest rate applied is worked out (Euribor)using the January Interest figure for me of 2.622,this does not appear right to me why are they not using the March figure of 1.909 to calculate my payments which would in fact make them lower,are they fiddling me.

May be better to use this link to see the Interest figures better

http://www.irph.es/

2008-2009 IRPH Bancos IRPH Cajas IRPH Entidades CECA Euribor
Diferencia IRPH-Euribor

Octubre 6,159 6,331 6,253 7,000 5,248 1.005
Noviembre 6,166 6,341 6,258 7,000 4,350 1.908
Diciembre 5,635 6,084 5,891 6,625 3,452 2.439
Enero 4,684 5,203 4,983 6,125 2,622 2.361
Febrero 4,120 4,492 4,324 5,625 2,135 2,189
Marzo 3,581 3,997 3,821 5,125 1,909 1.912
Abril 3,355 3,743 3,573 5,000 1,771 1.802
Mayo 3,154 3,616 3,411 4,875 1,644 1.767
Junio 3,010 3,496 3,294 4,750 1,610 1,684
Julio 2,945 3,375 3,187 4,875 1,412 1,775
Agosto 2,811 3,290 3,084 4,875 1,334 1,750
Septiembre 2,632 3,260 2,990 4,875 1,261 1,729
Octubre 2,554 3,182 2,921 5,000 1,243 1,678

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