Maybe many do not know which is the IRPH, in fact I myself did not know until recently.
When they talk in the media of mortgages, the only thing they talk about is the Euribor, it seems that only exists when the reality is that many ordinary españolitos are suffering
IRPH read this perhaps many will ask, but what the hell is the IRPH?, is IRPH Reference Index mortgages.
where does the IRPH?, Is an interest rate that is given by the average of the differential applied + credits signed by banks and their customers over the past three months. is an index that includes in itself the Euribor and the spread (commission) that banks charge for this, Aas now the banks are increasing spreads to their customers, those with this interest rate as reference, we are eating the more expensive , which does not happen to have the Euribor, which has signed a perennial Euribor and a spread no matter what happens with the bank, we may assume that an index is a minority but remember that in 2004 nearly 20% of mortgages that were opened in Spain (and many of whom are still alive and revised) were signed with the IRPH. even today, 6% of loans (mainly firms) are signed with this index. taking into account the mortgage lending data given by the ine, one can conclude that only in the last five years it will be signed about a million mortgages with reference IRPH IRPH very expensive.
If we compare the Euribor IRPH when paying a mortgage, it leaves you a lot more expensive if you have a mortgage with IRPH.
just one example, a loan of 208,000 € to 30 years with IRPH, as of today would pay € 1320, however with the amount payable Euribor serious of 824 €, Nearly 500 € difference, something very hard to take for any family's pocket.
In view of these data, I can only say a terse "no comment"
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