En esta nueva entrada (va por ti Miguel), tras algunos intentos fallidos de entrar a mi propio blog (gracias blogger), vamos a ver si podemos sacar alguna conclusion sobre que nos conviene más en los tiempos que corren, si reducir deuda o invertir nuestro ahorros...
Veamos...pongamos como ejemplo de deuda la hipoteca, que es la mayor deuda que solemos adquirir, ademas de la mas longeva. Casi todas las hipotecas aqui en España estan referenciadas al Euribor, asi que vamos a tratar con ese indice. Ahora mismo esta sobre el 1,6 más un diferencial medio de 0.5 (el interes fijo que se lleva el banco en una hipoteca de interes variable). En una hipoteca de 100.000 euros a 30 años, pagarias al mes 370 euros. Asi que si al total de lo que debemos le quitamos esos ahorrillos, pagariamos al mes en los mismos 30 años unos 351 euros al mes, es decir que al mes nos ahorramos 19 euros. Ahora bien, esos 5000 euros de ahorros no los tendras a mano. Tambien hay que tener en cuenta que la mayoria de hipotecas usan el sistema de amortizacion Frances, es decir, aunque la cuota es constante el interes y el capital amortizado varian a medida que vas pagando la hipoteca.
Tambien podemos poner 5000 euros de ahorro en una cuenta de alta (jajajajajaja) remuneracion al 3%, por ejemplo, y mensualmente obtendrias unos 10 euros despues de impuestos, aunque siempre tendrias tu dinero a mano...O irnos al carrusel de la bolsa e intentar que nuestra inversion no acabe en desgracia.
¿Que harías tu? ¿Reducirias tu deuda o invertirias tu dinero?
In this new post (dedicated to my friend Miguel), after some unsuccessful attempts to enter my own blog (thanks blogger), let's see if we can draw any conclusion about what is best for us in these times, reducing debt or investing our savings ...
Let's see ... Let's get as example the mortgage debt, which is the largest debt we usually get, plus the most longevity. Almost all mortgages here in Spain are indexed to Euribor, so we will deal with that index. Now it is on the 1.6 plus an average spread of 0.5 (the fixed rate that the bank gets in a variable interest mortgage). In a mortgage of 100,000 euros to 30 years, you would you pay 370 euros every month. But if we put our savings to pay the mortage in advance, you would pay every month in the same 30 years something like 351 euros per month, so every month we will save 19 euros. However, these 5000 euros of savings will be out of our hands forever. Also keep in mind that most of mortgages amortization systems uses the French system, that is, although the fee is constant amortized interest and capital varies as you pay the mortgage.
We can also put our 5000 euros savings into an 3% high (hahahahahaha) remuneration account, for example, and you would get about 10 euros per month after taxes, although you would have your money always on hand ... Or go to the stock carousel and try to make our investment does not end in disgrace.
What would you do? ¿Reducing your debt or investing your savings?
Let's see ... Let's get as example the mortgage debt, which is the largest debt we usually get, plus the most longevity. Almost all mortgages here in Spain are indexed to Euribor, so we will deal with that index. Now it is on the 1.6 plus an average spread of 0.5 (the fixed rate that the bank gets in a variable interest mortgage). In a mortgage of 100,000 euros to 30 years, you would you pay 370 euros every month. But if we put our savings to pay the mortage in advance, you would pay every month in the same 30 years something like 351 euros per month, so every month we will save 19 euros. However, these 5000 euros of savings will be out of our hands forever. Also keep in mind that most of mortgages amortization systems uses the French system, that is, although the fee is constant amortized interest and capital varies as you pay the mortgage.
We can also put our 5000 euros savings into an 3% high (hahahahahaha) remuneration account, for example, and you would get about 10 euros per month after taxes, although you would have your money always on hand ... Or go to the stock carousel and try to make our investment does not end in disgrace.
What would you do? ¿Reducing your debt or investing your savings?
