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EL SUSCRITO SECRETARIO GENERAL
En uso de las facultades que le confieren los artículos 191 del Código de Procedimiento Civil, 884 del Có de Comercio y 235 del Código Penal en concordancia con los literales c.) y d.), numeral 6 del artículo 326 Estatuto Orgánico del Sistema Financiero
CERTIFICA RESOLUCION
FECHA
2865 290 2190 699 1472 1487 2087 1800 1068 4422 4037 1768 4815 4816 1374 1375 1900 1901 1700 1701 1360 1361 1850 1851 714 715 734 735 1541
29-Oct-71 10-Feb-72 31-Jul-73 12-Mar-74 23-Jun-75 23-Jun-76 28-Jun-77 13-Jul-78 06-Mar-79 28-Ags-80 24-Jul-81 06-Abr-81 03-Oct-84 03-Oct-84 27-Feb-86 27-Feb-86 22-May-87 22-May-87 20-May-88 20-May-88 03-May-89 03-May-89 25-May-90 25-May-90 28-Feb-91 28-Feb-91 27-Feb-92 27-Feb-92 30-Abr-92
VIGENCIA DESDE HASTA 29-Oct-71 10-Feb-72 31-Jul-73 12-Mar-74 23-Jun-75 23-Jun-76 28-Jun-77 13-Jul-78 06-Mar-79 28-Ags-80 24-Jul-81 01-Feb-81 16-Oct-84 16-Oct-84 26-Mar-86 26-Mar-86 26-May-87 26-May-87 20-May-88 20-May-88 03-May-89 03-May-89 25-May-90 25-May-90 01-Mar-91 01-Mar-91 28-Feb-92 28-Feb-92 30-Abr-92
09-Feb-72 30-Jul-73 11-Mar-74 22-Jun-75 22-Jun-76 27-Jun-77 12-Jul-78 05-Mar-79 27-Ags-80 23-Jul-81 15-Oct-84 15-Oct-84 25-Mar-86 25-Mar-86 25-May-87 25-May-87 19-May-88 19-May-88 02-May-89 02-May-89 24-May-90 24-May-90 28-Feb-91 28-Feb-91 27-Feb-92 27-Feb-92 29-Abr-92 29-Abr-92 30-Jun-92
INTERES ANUAL EFECTIVO CORRIENTE BANCARIO CORRIENTE 18.00% 14.00% 14.00% 14.00% 14.00% 14.00% 16.00% 16.00% 16.00% 16.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% ------33.60% 33.60% ---------33.81% ---------32.52% ---------34.04% ---------------36.15% ---------34.27% ---------36.41% ---42.41% ---------38.47%
1542 2567 2568 3423 3424 4487 4488 5393 5394 0626 0627 1299 1300 2150 2151 2880 2881 3542 3543 4457 4458 0191 0192 0779 0780 1301 1299 1835 1836 2350 2351 2931 2932 0338 0337 0879 0878 1418 1419 2024 2025
30-Abr-92 30-Jun-92 30-Jun-92 31-Ags-92 31-Ags-92 29-Oct-92 29-Oct-92 29-Dic-92 29-Dic-92 26-Feb-93 26-Feb-93 27-Abr-93 27-Abr-93 30-Jun-93 30-Jun-93 31-Ago-93 31-Ago-93 28-Oct-93 28-Oct-93 29-Dic-93 29-Dic-93 25-Feb-94 25-Feb-94 29-Abr-94 29-Abr-94 24-Jun-94 24-Jun-94 29-Ago-94 29-Ago-94 31-Oct-94 31-Oct-94 27-Dic-94 27-Dic-94 28-Feb-95 28-Feb-95 28-Abr-95 28-Abr-95 27-Jun-95 27-Jun-95 30-Ago-95 30-Ago-95
30-Abr-92 01-Jul-92 01-Jul-92 31-Ags-92 31-Ags-92 01-Nov-92 01-Nov-92 01-Ene-93 01-Ene-93 01-Mar-93 01-Mar-93 01-May-93 01-May-93 01-Jul-93 01-Jul-93 01-Sep-93 01-Sep-93 01-Nov-93 01-Nov-93 01-Ene-94 01-Ene-94 01-Mar-94 01-Mar-94 01-May-94 01-May-94 01-Jul-94 01-Jul-94 01-Sep-94 01-Sep-94 01-Nov-94 01-Nov-94 01-Ene-95 01-Ene-95 01-Mar-95 01-Mar-95 01-May-95 01-May-95 01-Jul-95 01-Jul-95 01-Sep-95 01-Sep-95
30-Jun-92 30-Ags-92 30-Ags-92 31-Oct-92 31-Oct-92 31-Dic-92 31-Dic-92 28-Feb-93 28-Feb-93 30-Abr-93 30-Abr-93 30-Jun-93 30-Jun-93 31-Ago-93 31-Ago-93 31-Oct-93 31-Oct-93 31-Dic-93 31-Dic-93 28-Feb-94 28-Feb-94 30-Abr-94 30-Abr-94 30-Jun-94 30-Jun-94 31-Ago-94 31-Ago-94 31-Oct-94 31-Oct-94 31-Dic-94 31-Dic-94 28-Feb-95 28-Feb-95 30-Abr-95 30-Abr-95 30-Jun-95 30-Jun-95 31-Aug-95 31-Aug-95 31-Oct-95 31-Oct-95
----------------------------------------------------------------------------------------------------------------------------
---38.18% ------34.33% 32.15% ---34.39% ---34.74% ---35.10% ---35.43% ---35.66% ---35.87% ---35.02% ---35.42% ---36.13% ---36.25% ---36.89% ---38.76% ---40.12% ---42.74% ---42.45% ---43.84% ---44.62% ----
2572 2573 3170 3171 0313 0314 0843 0844 1127 1128 1390 1389 1621 1622 1825 1824 0214 0215 0420 0419 0633 0634 0851 0852 0967 0968 1120 1121 1251 1252 1402 1403 0095 0096 0218 0219 0403 0404 0543 0544 0656
30-Oct-95 30-Oct-95 28-Dic-95 28-Dic-95 29-Feb-96 29-Feb-96 30-Abr-96 30-Abr-96 28-Jun-96 28-Jun-96 29-Ago-96 29-Ago-96 31-Oct-96 31-Oct-96 27-Dic-96 27-Dic-96 26-Feb-97 26-Feb-97 29-Abr-97 29-Abr-97 25-Jun-97 25-Jun-97 29-Ago-97 29-Ago-97 29-Sep-97 29-Sep-97 31-Oct-97 31-Oct-97 28-Nov-97 28-Nov-97 31-Dic-97 31-Dic-97 30-Ene-98 30-Ene-98 27-Feb-98 27-Feb-98 31-Mar-98 31-Mar-98 30-Abr-98 30-Abr-98 29-May-98
01-Nov-95 01-Nov-95 01-Ene-96 01-Ene-96 01-Mar-96 01-Mar-96 01-May-96 01-May-96 01-Jul-96 01-Jul-96 01-Sep-96 01-Sep-96 01-Nov-96 01-Nov-96 01-Ene-97 01-Ene-97 01-Mar-97 01-Mar-97 01-May-97 01-May-97 01-Jul-97 01-Jul-97 01-Sep-97 01-Sep-97 01-Oct-97 01-Oct-97 01-Nov-97 01-Nov-97 01-Dic-97 01-Dic-97 01-Ene-98 01-Ene-98 01-Feb-98 01-Feb-98 01-Mar-98 01-Mar-98 01-Abr-98 01-Abr-98 01-May-98 01-May-98 01-Jun-98
31-Dec-95 31-Dec-95 29-Feb-96 29-Feb-96 30-Apr-96 30-Apr-96 30-Jun-96 30-Jun-96 31-Aug-96 31-Aug-96 31-Oct-96 31-Oct-96 31-Dec-96 31-Dec-96 28-Feb-97 28-Feb-97 30-Apr-97 30-Apr-97 30-Jun-97 30-Jun-97 31-Aug-97 31-Aug-97 30-Sep-97 30-Sep-97 31-Oct-97 31-Oct-97 30-Nov-97 30-Nov-97 31-Dec-97 31-Dec-97 31-Jan-98 31-Jan-98 28-Feb-98 28-Feb-98 31-Mar-98 31-Mar-98 30-Apr-98 30-Apr-98 31-May-98 31-May-98 30-Jun-98
----------------------------------------------------------------------------------------------------------------------------
42.72% ---40.27% ---41.37% ---42.19% ---42.94% ---42.29% ---41.37% ---39.77% ---38.95% ---36.99% ---36.50% 31.84% ---31.33% ---31.47% ---31.74% ---31.69% ---32.56% ---32.15% ---36.28% ---38.39% ---39.51%
0657 0821 0822 0994 0995 1146 1147 2118 2119 2259 2260 2384 2385 2514 2515 0093 0094 0237 0238 0275 0276 0387 0388 0592 0593 0820 0821 1000 1001 1183 1184 1350 1351 1490 1491 1630 1631 1755 1756 1910 1911
29-May-98 30-Jun-98 30-Jun-98 31-Jul-98 31-Jul-98 31-Ago-98 31-Ago-98 30-Sep-98 30-Sep-98 30-Oct-98 30-Oct-98 30-Nov-98 30-Nov-98 30-Dic-98 30-Dic-98 29-Jan-99 29-Jan-99 26-Feb-99 26-Feb-99 5-Mar-99 5-Mar-99 31-Mar-99 31-Mar-99 30-Apr-99 30-Apr-99 31-May-99 31-May-99 30-Jun-99 30-Jun-99 30-Jul-99 30-Jul-99 31-Aug-99 31-Aug-99 30-Sep-99 30-Sep-99 29-Oct-99 29-Oct-99 30-Nov-99 30-Nov-99 30-Dec-99 30-Dec-99
01-Jun-98 01-Jul-98 01-Jul-98 01-Ago-98 01-Ago-98 01-Sep-98 01-Sep-98 1-Oct-98 1-Oct-98 1-Nov-98 1-Nov-98 1-Dec-98 1-Dec-98 1-Jan-99 1-Jan-99 1-Feb-99 1-Feb-99 1-Mar-99 1-Mar-99 15-Mar-99 15-Mar-99 1-Apr-99 1-Apr-99 1-May-99 1-May-99 1-Jun-99 1-Jun-99 1-Jul-99 1-Jul-99 1-Aug-99 1-Aug-99 1-Sep-99 1-Sep-99 1-Oct-99 1-Oct-99 1-Nov-99 1-Nov-99 1-Dec-99 1-Dec-99 1-Jan-00 1-Jan-00
30-Jun-98 31-Jul-98 31-Jul-98 31-Aug-98 31-Aug-98 30-Sep-98 30-Sep-98 31-Oct-98 31-Oct-98 30-Nov-98 30-Nov-98 31-Dec-98 31-Dec-98 31-Jan-99 31-Jan-99 28-Feb-99 28-Feb-99 14-Mar-99 14-Mar-99 31-Mar-99 31-Mar-99 30-Apr-99 30-Apr-99 31-May-99 31-May-99 30-Jun-99 30-Jun-99 31-Jul-99 31-Jul-99 31-Aug-99 31-Aug-99 30-Sep-99 30-Sep-99 31-Oct-99 31-Oct-99 30-Nov-99 30-Nov-99 31-Dec-99 31-Dec-99 31-Jan-00 31-Jan-00
----------------------------------------------------------------------------------------------------------------------------
---47.83% ---48.41% ---43.20% ---46.00% ---49.99% ---47.71% ---45.49% ---42.39% ---40.99% ---39.76% ---33.57% ---31.14% ---27.46% ---24.22% ---26.25% ---26.01% ---26.96% ---25.70% ---24.22% ---22.40% ----
0165 0166 0343 0344 0512 0513 0664 0665 0848 0849 1019 1020 1201 1202 1345 1346 1492 1493 1666 1667
31-Jan-00 31-Jan-00 29-Feb-00 29-Feb-00 31-Mar-00 31-Mar-00 28-Apr-00 28-Apr-00 31-May-00 31-May-00 30-Jun-00 30-Jun-00 31-Jul-00 31-Jul-00 31-Aug-00 31-Aug-00 29-Sep-00 29-Sep-00 31-Oct-00 31-Oct-00
1-Feb-00 1-Feb-00 1-Mar-00 1-Mar-00 1-Apr-00 1-Apr-00 1-May-00 1-May-00 1-Jun-00 1-Jun-00 1-Jul-00 1-Jul-00 1-Aug-00 1-Aug-00 1-Sep-00 1-Sep-00 1-Oct-00 1-Oct-00 1-Nov-00 1-Nov-00
29-Feb-00 29-Feb-00 31-Mar-00 31-Mar-00 30-Apr-00 30-Apr-00 31-May-00 31-May-00 30-Jun-00 30-Jun-00 31-Jul-00 31-Jul-00 31-Aug-00 31-Aug-00 30-Sep-00 30-Sep-00 31-Oct-00 31-Oct-00 a la fecha a la fecha
----------------------------------------------------------------
19.46% ---17.45% ---17.87% ---17.90% ----19.77% ----19.44% ----19.92% ----22.93% ----23.08%
-----
23.80% -----
NOTA: Para efectos probatorios bastará con la copia simple del diario donde aparezca publicado e Adicionalmente, la Superintendencia Bancaria lo enviará periódicamente a las cámaras de c su difusión (artículo 98 Decreto 2150 de 1995).
Expedido en Bogotá, D.C., a los CRISTINA IRAGORRI VALENCIA Secretario General
ento Civil, 884 del Código eral 6 del artículo 326 del
NUAL EFECTIVO CREDITOS ORDINARIOS LIBRE ASIGNACION ---------------------------------32.00% ---42.66% ---41.12% ---39.03% ---39.86% 40.46% ---41.98% ---43.90% ------45.24% ----
42.60% ---41.23% 37.61% ------35.27% ---36.23% ---36.36% ---37.25% ---37.51% ---37.60% ---37.89% ---37.37% ---37.33% ---38.12% ---38.46% ---39.03% ---40.46% ---41.70% ---43.71% ---43.86% ---45.33% ---46.35%
43.48% ---42.32% 43.32% ---43.78% ---44.53% ---44.04% ---0.4295 ---41.68% ---40.63% ---38.68% ---38.29% ---36.82% ---35.44% ---35.99% ---36.01% ---35.29% ---37.07% ---35.60% ---39.01% ---40.58% ----
41.65% ---47.98% ---49.69% ---45.31% ---47.28% ---50.41% ---48.90% ---46.74% ---44.46% ---44.32% ---36.81% ---34.42% ---32.13% ---28.36% ---25.71% ---27.58% ---26.46% ---25.81% ---24.13% ---22.80% ---21.26%
---17.39% ---17.67% ---17.61% ---18.08% ----19.10% ----19.84% ----20.64% ----22.62% ----23.76% 24.50%
aparezca publicado este certificado. e a las cámaras de comercio para
á, D.C., a los
SUPERINTENDENCIA FINANCIERA DE COLOMBIA DESDE 01-Jul-97 01-Sep-97 01-Oct-97 01-Nov-97 01-Dic-97 01-Ene-98 01-Feb-98 01-Mar-98 01-Abr-98 01-May-98 01-Jun-98 01-Jul-98 01-Ago-98 01-Sep-98 1-Oct-98 1-Nov-98 1-Dec-98 1-Jan-99 1-Feb-99 1-Mar-99 15-Mar-99 1-Apr-99 1-May-99 1-Jun-99 1-Jul-99 1-Aug-99 1-Sep-99 1-Oct-99 1-Nov-99 1-Dec-99 1-Jan-00 1-Feb-00 1-Mar-00 1-Apr-00 1-May-00 1-Jun-00 1-Jul-00 1-Aug-00 1-Sep-00 1-Oct-00 1-Nov-00 1-Dec-00 1-Jan-01 1-Feb-01 1-Mar-01 1-Apr-01 1-May-01 1-Jun-01 1-Jul-01 1-Aug-01 1-Sep-01 1-Oct-01 1-Nov-01 1-Dec-01 1-Jan-02 1-Feb-02 1-Mar-02 1-Apr-02 1-May-02 1-Jun-02 1-Jul-02 1-Aug-02 1-Sep-02 1-Oct-02 1-Nov-02 1-Dec-02 1-Jan-03 1-Feb-03 1-Mar-03 1-Apr-03 1-May-03 1-Jun-03 1-Jul-03 1-Aug-03 1-Sep-03 1-Oct-03 1-Nov-03
HASTA 31-Aug-97 30-Sep-97 31-Oct-97 30-Nov-97 31-Dec-97 31-Jan-98 28-Feb-98 31-Mar-98 30-Apr-98 31-May-98 30-Jun-98 31-Jul-98 31-Aug-98 30-Sep-98 31-Oct-98 30-Nov-98 31-Dec-98 31-Jan-99 28-Feb-99 14-Mar-99 31-Mar-99 30-Apr-99 31-May-99 30-Jun-99 31-Jul-99 31-Aug-99 30-Sep-99 31-Oct-99 30-Nov-99 31-Dec-99 31-Jan-00 29-Feb-00 31-Mar-00 30-Apr-00 31-May-00 30-Jun-00 31-Jul-00 31-Aug-00 30-Sep-00 31-Oct-00 30-Nov-00 31-Dec-00 31-Jan-01 28-Feb-01 31-Mar-01 30-Apr-01 31-May-01 30-Jun-01 31-Jul-01 31-Aug-01 30-Sep-01 31-Oct-01 30-Nov-01 31-Dec-01 31-Jan-02 28-Feb-02 31-Mar-02 30-Apr-02 31-May-02 30-Jun-02 31-Jul-02 31-Aug-02 30-Sep-02 31-Oct-02 30-Nov-02 31-Dec-02 31-Jan-03 28-Feb-03 31-Mar-03 30-Apr-03 31-May-03 30-Jun-03 31-Jul-03 31-Aug-03 30-Sep-03 31-Oct-03 30-Nov-03
INTERÉS BANCARIO CORRIENTE 36.50% 31.84% 31.33% 31.47% 31.74% 31.69% 32.56% 32.15% 36.28% 38.39% 39.51% 47.83% 48.41% 43.20% 46.00% 49.99% 47.71% 45.49% 42.39% 40.99% 39.76% 33.57% 31.14% 27.46% 24.22% 26.25% 26.01% 26.96% 25.70% 24.22% 22.40% 19.46% 17.45% 17.87% 17.90% 19.77% 19.44% 19.92% 22.93% 23.08% 23.80% 23.69% 24.16% 26.03% 25.11% 24.83% 24.24% 25.17% 26.08% 24.25% 23.06% 23.22% 22.98% 22.48% 22.81% 22.35% 20.97% 21.03% 20.00% 19.96% 19.77% 20.01% 20.18% 20.30% 19.76% 19.69% 19.64% 19.78% 19.49% 19.81% 19.89% 19.20% 19.44% 19.88% 20.12% 20.04% 19.87%
TASA DE USURA 54.75% 47.76% 46.99% 47.21% 47.61% 47.54% 48.84% 48.23% 54.42% 57.59% 59.27% 71.75% 72.62% 64.80% 69.00% 74.99% 71.57% 68.24% 63.59% 61.49% 59.64% 50.36% 46.71% 41.19% 36.33% 39.38% 39.02% 40.44% 38.55% 36.33% 33.60% 29.19% 26.18% 26.81% 26.85% 29.66% 29.16% 29.88% 34.40% 34.62% 35.70% 35.54% 36.24% 39.05% 37.67% 37.25% 36.36% 37.76% 39.12% 36.38% 34.59% 34.83% 34.47% 33.72% 34.22% 33.53% 31.46% 31.55% 30.00% 29.94% 29.66% 30.02% 30.27% 30.45% 29.64% 29.54% 29.46% 29.67% 29.24% 29.72% 29.84% 28.80% 29.16% 29.82% 30.18% 30.06% 29.80%
SUPERINTENDENCIA FINANCIERA DE COLOMBIA 1-Dec-03 1-Jan-04 1-Feb-04 1-Mar-04 1-Apr-04 1-May-04 1-Jun-04 1-Jul-04 1-Aug-04 1-Sep-04 1-Oct-04 1-Nov-04 1-Dec-04 1-Jan-05 1-Feb-05 1-Mar-05 1-Apr-05 1-May-05 1-Jun-05 1-Jul-05 1-Aug-05 1-Sep-05 1-Oct-05 1-Nov-05 1-Dec-05 1-Jan-06 1-Feb-06
31-Dec-03 31-Jan-04 29-Feb-04 31-Mar-04 30-Apr-04 31-May-04 30-Jun-04 31-Jul-04 31-Aug-04 30-Sep-04 31-Oct-04 30-Nov-04 31-Dec-04 31-Jan-05 28-Feb-05 31-Mar-05 30-Apr-05 31-May-05 30-Jun-05 31-Jul-05 31-Aug-05 30-Sep-05 31-Oct-05 30-Nov-05 31-Dec-05 31-Jan-06 28-Feb-06
19.81% 19.67% 19.74% 19.80% 19.78% 19.71% 19.67% 19.44% 19.28% 19.50% 19.09% 19.59% 19.49% 19.45% 19.40% 19.15% 19.19% 19.02% 18.85% 18.50% 18.24% 18.22% 17.93% 17.81% 17.49% 17.35% 17.51%
29.72% 29.50% 29.61% 29.70% 29.67% 29.56% 29.50% 29.16% 28.92% 29.25% 28.63% 29.39% 29.23% 29.18% 29.10% 28.73% 28.79% 28.53% 28.28% 27.75% 27.36% 27.33% 26.90% 26.72% 26.24% 26.03% 26.27%
1-Mar-06 1-Apr-06 1-May-06 1-Jun-06 1-Jul-06 1-Aug-06 1-Sep-06 1-Oct-06
31-Mar-06 30-Apr-06 31-May-06 30-Jun-06 31-Jul-06 31-Aug-06 30-Sep-06 31-Dec-06
17.25% 16.75% 16.07% 15.61% 15.08% 15.02% 15.05% 15.07%
25.88% 25.13% 24.11% 23.42% 22.62% 22.53% 22.58% 22.61%
Notas: Con la Ley 510 de agosto de 1999, se estipula el Interés de Mora equivalente a 1.5 el Interés Bancario Corriente. Con la Ley 599 del 24 de julio de 2000, se estipula el Interés de Usura equivalente a 1.5 el Interés Bancario Corriente, cálculo que entra en vigencia a partir del 24 de julio de 2001. VIGENCIA
INTERÉS ANUAL EFECTIVO CONSUMO
COMERCIAL DESDE
HASTA
1-Jan-07
4-Jan-07
VIGENCIA
DESDE
HASTA
5-Jan-07
31-Mar-07
INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
11.07%
16.61%
20.68%
31.02%
INTERÉS ANUAL EFECTIVO CRÉDITO COMERCIAL Y DE CONSUMO MICROCRÉDITO INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
13.83%
20.75%
21.39%
32.09%
Con el decreto 4090 de 2006, se certifica el interés bancario corriente correspondiente a las modalidades de crédito: comercial, consumo y microcrédito Con el decreto 519 de 2007, se certifica el interés bancario corriente correspondiente a las modalidades de crédito: consumo y ordinario y microcrédito
VIGENCIA CRÉDITO DE CONSUMO Y ORDINARIO DESDE 1-Apr-07 1-Apr-07 1-Jul-07 1-Oct-07 1-Jan-08 1-Apr-08 1-Jul-08 1-Oct-08 1-Jan-09 1-Apr-09 1-Jul-09 1-Oct-09 1-Jan-10 1-Apr-10
HASTA 30-Jun-07 31-Mar-08 30-Sep-07 31-Dec-07 31-Mar-08 30-Jun-08 30-Sep-08 31-Dec-08 31-Mar-09 30-Jun-09 30-Sep-09 31-Dec-09 31-Mar-10 30-Jun-10
INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
16.75%
25.12%
19.01% 21.26% 21.83% 21.92% 21.51% 21.02% 20.47% 20.28% 18.65% 17.28% 16.14% 15.31%
28.51% 31.89% 32.75% 32.88% 32.27% 31.53% 30.71% 30.42% 27.98% 25.92% 24.21% 22.97%
INTERÉS ANUAL EFECTIVO MICROCRÉDITO INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
22.62%
33.93%
SUPERINTENDENCIA FINANCIERA DE COLOMBIA 1-Jul-10 1-Oct-10 1-Jan-11 1-Apr-11 1-Jul-11 1-Oct-11 1-Oct-11 1-Jan-12 1-Apr-12 1-Jul-12 1-Oct-12 1-Oct-12 1-Jan-13 1-Apr-13 1-Jul-13 1-Oct-13 1-Oct-13 1-Jan-14 1-Apr-14 1-Jul-14 1-Oct-14 1-Oct-14 22-Dec-14 1-Jan-15 1-Apr-15 1-Jul-15 1-Oct-15
30-Sep-10 31-Dec-10 31-Mar-11 30-Jun-11 30-Sep-11 31-Dec-11 30-Sep-12 31-Mar-12 30-Jun-12 30-Sep-12 31-Dec-12 30-Sep-13 31-Mar-13 30-Jun-13 30-Sep-13 31-Dec-13 30-Sep-14 31-Mar-14 30-Jun-14 30-Sep-14 31-Dec-14 30-Sep-15 30-Sep-15 31-Mar-15 30-Jun-15 30-Sep-15 31-Dec-15
14.94% 14.21% 15.61% 17.69% 18.63% 19.39%
22.41% 21.32% 23.42% 26.54% 27.95% 29.09%
19.92% 20.52% 20.86% 20.89%
29.88% 30.78% 31.29% 31.34%
20.75% 20.83% 20.34% 19.85%
31.13% 31.25% 30.51% 29.78%
19.65% 19.63% 19.33% 19.17%
29.48% 29.45% 29.00% 28.76%
1-Oct-15 1-Oct-15 1-Jan-16 1-Apr-16 1-Jul-16 1-Oct-16
30-Sep-16 30-Sep-16 31-Mar-16 30-Jun-16 30-Sep-16 31-Dec-16
1-Oct-16
30-Sep-17
1-Oct-16
30-Sep-17
1-Jan-17
31-Mar-17
22.34%
33.51%
1-Apr-17
30-Jun-17
22.33%
33.50%
1-Jul-17
30-Sep-17
21.98%
32.97%
1-Sep-17
30-Sep-17
21.48%
32.22%
1-Oct-17
31-Oct-17
21.15%
31.73%
1-Oct-17
31-Dec-17
1-Oct-17
30-Sep-18
1-Nov-17
30-Nov-17
20.96%
31.44%
1-Dec-17
31-Dec-17
20.77%
31.16%
1-Jan-18
31-Jan-18
20.69%
31.04%
1-Jan-18
31-Mar-18
1-Feb-18
28-Feb-18
21.01%
31.52%
1-Mar-18
31-Mar-18
20.68%
31.02%
1-Apr-18
30-Apr-18
20.48%
30.72%
1-Apr-18
30-Jun-18
1-May-18
31-May-18
20.44%
30.66%
19.21% 19.37% 19.26% 19.33%
19.68% 20.54% 21.34% 21.99%
24.59% 26.59% 29.33% 32.33%
36.89% 39.89% 44.00% 48.50%
33.45%
50.18%
35.63%
53.45%
34.12%
51.18%
34.81%
52.22%
35.42%
53.13%
36.73%
55.10%
36.76%
55.14%
36.78%
55.17%
36.85%
55.28%
28.82% 29.06% 28.89% 29.00%
29.52% 30.81% 32.01% 32.99%
Para consumo y odinario la Información corresponde a las 4 semanas anteriores a la certificación . Para microcrédito la información corresponde a las 12 semanas anteriores a la certificación. Para consumo de bajo monto , la información corresponde a los últimos 12 meses.
En uso de las facultades que le confieren los artículos 191 del Código de Procedimiento Civil, 884 del Có de Comercio y 235 del Código Penal en concordancia con los literales c.) y d.), numeral 6 del artículo 326 Estatuto Orgánico del Sistema Financiero
CERTIFICA RESOLUCION
FECHA
2865 290 2190 699 1472 1487 2087 1800 1068 4422 4037 1768 4815 4816 1374 1375 1900 1901 1700 1701 1360 1361 1850 1851 714 715 734 735 1541
29-Oct-71 10-Feb-72 31-Jul-73 12-Mar-74 23-Jun-75 23-Jun-76 28-Jun-77 13-Jul-78 06-Mar-79 28-Ags-80 24-Jul-81 06-Abr-81 03-Oct-84 03-Oct-84 27-Feb-86 27-Feb-86 22-May-87 22-May-87 20-May-88 20-May-88 03-May-89 03-May-89 25-May-90 25-May-90 28-Feb-91 28-Feb-91 27-Feb-92 27-Feb-92 30-Abr-92
VIGENCIA DESDE HASTA 29-Oct-71 10-Feb-72 31-Jul-73 12-Mar-74 23-Jun-75 23-Jun-76 28-Jun-77 13-Jul-78 06-Mar-79 28-Ags-80 24-Jul-81 01-Feb-81 16-Oct-84 16-Oct-84 26-Mar-86 26-Mar-86 26-May-87 26-May-87 20-May-88 20-May-88 03-May-89 03-May-89 25-May-90 25-May-90 01-Mar-91 01-Mar-91 28-Feb-92 28-Feb-92 30-Abr-92
09-Feb-72 30-Jul-73 11-Mar-74 22-Jun-75 22-Jun-76 27-Jun-77 12-Jul-78 05-Mar-79 27-Ags-80 23-Jul-81 15-Oct-84 15-Oct-84 25-Mar-86 25-Mar-86 25-May-87 25-May-87 19-May-88 19-May-88 02-May-89 02-May-89 24-May-90 24-May-90 28-Feb-91 28-Feb-91 27-Feb-92 27-Feb-92 29-Abr-92 29-Abr-92 30-Jun-92
INTERES ANUAL EFECTIVO CORRIENTE BANCARIO CORRIENTE 18.00% 14.00% 14.00% 14.00% 14.00% 14.00% 16.00% 16.00% 16.00% 16.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% 18.00% ------33.60% 33.60% ---------33.81% ---------32.52% ---------34.04% ---------------36.15% ---------34.27% ---------36.41% ---42.41% ---------38.47%
1542 2567 2568 3423 3424 4487 4488 5393 5394 0626 0627 1299 1300 2150 2151 2880 2881 3542 3543 4457 4458 0191 0192 0779 0780 1301 1299 1835 1836 2350 2351 2931 2932 0338 0337 0879 0878 1418 1419 2024 2025
30-Abr-92 30-Jun-92 30-Jun-92 31-Ags-92 31-Ags-92 29-Oct-92 29-Oct-92 29-Dic-92 29-Dic-92 26-Feb-93 26-Feb-93 27-Abr-93 27-Abr-93 30-Jun-93 30-Jun-93 31-Ago-93 31-Ago-93 28-Oct-93 28-Oct-93 29-Dic-93 29-Dic-93 25-Feb-94 25-Feb-94 29-Abr-94 29-Abr-94 24-Jun-94 24-Jun-94 29-Ago-94 29-Ago-94 31-Oct-94 31-Oct-94 27-Dic-94 27-Dic-94 28-Feb-95 28-Feb-95 28-Abr-95 28-Abr-95 27-Jun-95 27-Jun-95 30-Ago-95 30-Ago-95
30-Abr-92 01-Jul-92 01-Jul-92 31-Ags-92 31-Ags-92 01-Nov-92 01-Nov-92 01-Ene-93 01-Ene-93 01-Mar-93 01-Mar-93 01-May-93 01-May-93 01-Jul-93 01-Jul-93 01-Sep-93 01-Sep-93 01-Nov-93 01-Nov-93 01-Ene-94 01-Ene-94 01-Mar-94 01-Mar-94 01-May-94 01-May-94 01-Jul-94 01-Jul-94 01-Sep-94 01-Sep-94 01-Nov-94 01-Nov-94 01-Ene-95 01-Ene-95 01-Mar-95 01-Mar-95 01-May-95 01-May-95 01-Jul-95 01-Jul-95 01-Sep-95 01-Sep-95
30-Jun-92 30-Ags-92 30-Ags-92 31-Oct-92 31-Oct-92 31-Dic-92 31-Dic-92 28-Feb-93 28-Feb-93 30-Abr-93 30-Abr-93 30-Jun-93 30-Jun-93 31-Ago-93 31-Ago-93 31-Oct-93 31-Oct-93 31-Dic-93 31-Dic-93 28-Feb-94 28-Feb-94 30-Abr-94 30-Abr-94 30-Jun-94 30-Jun-94 31-Ago-94 31-Ago-94 31-Oct-94 31-Oct-94 31-Dic-94 31-Dic-94 28-Feb-95 28-Feb-95 30-Abr-95 30-Abr-95 30-Jun-95 30-Jun-95 31-Aug-95 31-Aug-95 31-Oct-95 31-Oct-95
----------------------------------------------------------------------------------------------------------------------------
---38.18% ------34.33% 32.15% ---34.39% ---34.74% ---35.10% ---35.43% ---35.66% ---35.87% ---35.02% ---35.42% ---36.13% ---36.25% ---36.89% ---38.76% ---40.12% ---42.74% ---42.45% ---43.84% ---44.62% ----
2572 2573 3170 3171 0313 0314 0843 0844 1127 1128 1390 1389 1621 1622 1825 1824 0214 0215 0420 0419 0633 0634 0851 0852 0967 0968 1120 1121 1251 1252 1402 1403 0095 0096 0218 0219 0403 0404 0543 0544 0656
30-Oct-95 30-Oct-95 28-Dic-95 28-Dic-95 29-Feb-96 29-Feb-96 30-Abr-96 30-Abr-96 28-Jun-96 28-Jun-96 29-Ago-96 29-Ago-96 31-Oct-96 31-Oct-96 27-Dic-96 27-Dic-96 26-Feb-97 26-Feb-97 29-Abr-97 29-Abr-97 25-Jun-97 25-Jun-97 29-Ago-97 29-Ago-97 29-Sep-97 29-Sep-97 31-Oct-97 31-Oct-97 28-Nov-97 28-Nov-97 31-Dic-97 31-Dic-97 30-Ene-98 30-Ene-98 27-Feb-98 27-Feb-98 31-Mar-98 31-Mar-98 30-Abr-98 30-Abr-98 29-May-98
01-Nov-95 01-Nov-95 01-Ene-96 01-Ene-96 01-Mar-96 01-Mar-96 01-May-96 01-May-96 01-Jul-96 01-Jul-96 01-Sep-96 01-Sep-96 01-Nov-96 01-Nov-96 01-Ene-97 01-Ene-97 01-Mar-97 01-Mar-97 01-May-97 01-May-97 01-Jul-97 01-Jul-97 01-Sep-97 01-Sep-97 01-Oct-97 01-Oct-97 01-Nov-97 01-Nov-97 01-Dic-97 01-Dic-97 01-Ene-98 01-Ene-98 01-Feb-98 01-Feb-98 01-Mar-98 01-Mar-98 01-Abr-98 01-Abr-98 01-May-98 01-May-98 01-Jun-98
31-Dec-95 31-Dec-95 29-Feb-96 29-Feb-96 30-Apr-96 30-Apr-96 30-Jun-96 30-Jun-96 31-Aug-96 31-Aug-96 31-Oct-96 31-Oct-96 31-Dec-96 31-Dec-96 28-Feb-97 28-Feb-97 30-Apr-97 30-Apr-97 30-Jun-97 30-Jun-97 31-Aug-97 31-Aug-97 30-Sep-97 30-Sep-97 31-Oct-97 31-Oct-97 30-Nov-97 30-Nov-97 31-Dec-97 31-Dec-97 31-Jan-98 31-Jan-98 28-Feb-98 28-Feb-98 31-Mar-98 31-Mar-98 30-Apr-98 30-Apr-98 31-May-98 31-May-98 30-Jun-98
----------------------------------------------------------------------------------------------------------------------------
42.72% ---40.27% ---41.37% ---42.19% ---42.94% ---42.29% ---41.37% ---39.77% ---38.95% ---36.99% ---36.50% 31.84% ---31.33% ---31.47% ---31.74% ---31.69% ---32.56% ---32.15% ---36.28% ---38.39% ---39.51%
0657 0821 0822 0994 0995 1146 1147 2118 2119 2259 2260 2384 2385 2514 2515 0093 0094 0237 0238 0275 0276 0387 0388 0592 0593 0820 0821 1000 1001 1183 1184 1350 1351 1490 1491 1630 1631 1755 1756 1910 1911
29-May-98 30-Jun-98 30-Jun-98 31-Jul-98 31-Jul-98 31-Ago-98 31-Ago-98 30-Sep-98 30-Sep-98 30-Oct-98 30-Oct-98 30-Nov-98 30-Nov-98 30-Dic-98 30-Dic-98 29-Jan-99 29-Jan-99 26-Feb-99 26-Feb-99 5-Mar-99 5-Mar-99 31-Mar-99 31-Mar-99 30-Apr-99 30-Apr-99 31-May-99 31-May-99 30-Jun-99 30-Jun-99 30-Jul-99 30-Jul-99 31-Aug-99 31-Aug-99 30-Sep-99 30-Sep-99 29-Oct-99 29-Oct-99 30-Nov-99 30-Nov-99 30-Dec-99 30-Dec-99
01-Jun-98 01-Jul-98 01-Jul-98 01-Ago-98 01-Ago-98 01-Sep-98 01-Sep-98 1-Oct-98 1-Oct-98 1-Nov-98 1-Nov-98 1-Dec-98 1-Dec-98 1-Jan-99 1-Jan-99 1-Feb-99 1-Feb-99 1-Mar-99 1-Mar-99 15-Mar-99 15-Mar-99 1-Apr-99 1-Apr-99 1-May-99 1-May-99 1-Jun-99 1-Jun-99 1-Jul-99 1-Jul-99 1-Aug-99 1-Aug-99 1-Sep-99 1-Sep-99 1-Oct-99 1-Oct-99 1-Nov-99 1-Nov-99 1-Dec-99 1-Dec-99 1-Jan-00 1-Jan-00
30-Jun-98 31-Jul-98 31-Jul-98 31-Aug-98 31-Aug-98 30-Sep-98 30-Sep-98 31-Oct-98 31-Oct-98 30-Nov-98 30-Nov-98 31-Dec-98 31-Dec-98 31-Jan-99 31-Jan-99 28-Feb-99 28-Feb-99 14-Mar-99 14-Mar-99 31-Mar-99 31-Mar-99 30-Apr-99 30-Apr-99 31-May-99 31-May-99 30-Jun-99 30-Jun-99 31-Jul-99 31-Jul-99 31-Aug-99 31-Aug-99 30-Sep-99 30-Sep-99 31-Oct-99 31-Oct-99 30-Nov-99 30-Nov-99 31-Dec-99 31-Dec-99 31-Jan-00 31-Jan-00
----------------------------------------------------------------------------------------------------------------------------
---47.83% ---48.41% ---43.20% ---46.00% ---49.99% ---47.71% ---45.49% ---42.39% ---40.99% ---39.76% ---33.57% ---31.14% ---27.46% ---24.22% ---26.25% ---26.01% ---26.96% ---25.70% ---24.22% ---22.40% ----
0165 0166 0343 0344 0512 0513 0664 0665 0848 0849 1019 1020 1201 1202 1345 1346 1492 1493 1666 1667
31-Jan-00 31-Jan-00 29-Feb-00 29-Feb-00 31-Mar-00 31-Mar-00 28-Apr-00 28-Apr-00 31-May-00 31-May-00 30-Jun-00 30-Jun-00 31-Jul-00 31-Jul-00 31-Aug-00 31-Aug-00 29-Sep-00 29-Sep-00 31-Oct-00 31-Oct-00
1-Feb-00 1-Feb-00 1-Mar-00 1-Mar-00 1-Apr-00 1-Apr-00 1-May-00 1-May-00 1-Jun-00 1-Jun-00 1-Jul-00 1-Jul-00 1-Aug-00 1-Aug-00 1-Sep-00 1-Sep-00 1-Oct-00 1-Oct-00 1-Nov-00 1-Nov-00
29-Feb-00 29-Feb-00 31-Mar-00 31-Mar-00 30-Apr-00 30-Apr-00 31-May-00 31-May-00 30-Jun-00 30-Jun-00 31-Jul-00 31-Jul-00 31-Aug-00 31-Aug-00 30-Sep-00 30-Sep-00 31-Oct-00 31-Oct-00 a la fecha a la fecha
----------------------------------------------------------------
19.46% ---17.45% ---17.87% ---17.90% ----19.77% ----19.44% ----19.92% ----22.93% ----23.08%
-----
23.80% -----
NOTA: Para efectos probatorios bastará con la copia simple del diario donde aparezca publicado e Adicionalmente, la Superintendencia Bancaria lo enviará periódicamente a las cámaras de c su difusión (artículo 98 Decreto 2150 de 1995).
Expedido en Bogotá, D.C., a los CRISTINA IRAGORRI VALENCIA Secretario General
ento Civil, 884 del Código eral 6 del artículo 326 del
NUAL EFECTIVO CREDITOS ORDINARIOS LIBRE ASIGNACION ---------------------------------32.00% ---42.66% ---41.12% ---39.03% ---39.86% 40.46% ---41.98% ---43.90% ------45.24% ----
42.60% ---41.23% 37.61% ------35.27% ---36.23% ---36.36% ---37.25% ---37.51% ---37.60% ---37.89% ---37.37% ---37.33% ---38.12% ---38.46% ---39.03% ---40.46% ---41.70% ---43.71% ---43.86% ---45.33% ---46.35%
43.48% ---42.32% 43.32% ---43.78% ---44.53% ---44.04% ---0.4295 ---41.68% ---40.63% ---38.68% ---38.29% ---36.82% ---35.44% ---35.99% ---36.01% ---35.29% ---37.07% ---35.60% ---39.01% ---40.58% ----
41.65% ---47.98% ---49.69% ---45.31% ---47.28% ---50.41% ---48.90% ---46.74% ---44.46% ---44.32% ---36.81% ---34.42% ---32.13% ---28.36% ---25.71% ---27.58% ---26.46% ---25.81% ---24.13% ---22.80% ---21.26%
---17.39% ---17.67% ---17.61% ---18.08% ----19.10% ----19.84% ----20.64% ----22.62% ----23.76% 24.50%
aparezca publicado este certificado. e a las cámaras de comercio para
á, D.C., a los
SUPERINTENDENCIA FINANCIERA DE COLOMBIA DESDE 01-Jul-97 01-Sep-97 01-Oct-97 01-Nov-97 01-Dic-97 01-Ene-98 01-Feb-98 01-Mar-98 01-Abr-98 01-May-98 01-Jun-98 01-Jul-98 01-Ago-98 01-Sep-98 1-Oct-98 1-Nov-98 1-Dec-98 1-Jan-99 1-Feb-99 1-Mar-99 15-Mar-99 1-Apr-99 1-May-99 1-Jun-99 1-Jul-99 1-Aug-99 1-Sep-99 1-Oct-99 1-Nov-99 1-Dec-99 1-Jan-00 1-Feb-00 1-Mar-00 1-Apr-00 1-May-00 1-Jun-00 1-Jul-00 1-Aug-00 1-Sep-00 1-Oct-00 1-Nov-00 1-Dec-00 1-Jan-01 1-Feb-01 1-Mar-01 1-Apr-01 1-May-01 1-Jun-01 1-Jul-01 1-Aug-01 1-Sep-01 1-Oct-01 1-Nov-01 1-Dec-01 1-Jan-02 1-Feb-02 1-Mar-02 1-Apr-02 1-May-02 1-Jun-02 1-Jul-02 1-Aug-02 1-Sep-02 1-Oct-02 1-Nov-02 1-Dec-02 1-Jan-03 1-Feb-03 1-Mar-03 1-Apr-03 1-May-03 1-Jun-03 1-Jul-03 1-Aug-03 1-Sep-03 1-Oct-03 1-Nov-03
HASTA 31-Aug-97 30-Sep-97 31-Oct-97 30-Nov-97 31-Dec-97 31-Jan-98 28-Feb-98 31-Mar-98 30-Apr-98 31-May-98 30-Jun-98 31-Jul-98 31-Aug-98 30-Sep-98 31-Oct-98 30-Nov-98 31-Dec-98 31-Jan-99 28-Feb-99 14-Mar-99 31-Mar-99 30-Apr-99 31-May-99 30-Jun-99 31-Jul-99 31-Aug-99 30-Sep-99 31-Oct-99 30-Nov-99 31-Dec-99 31-Jan-00 29-Feb-00 31-Mar-00 30-Apr-00 31-May-00 30-Jun-00 31-Jul-00 31-Aug-00 30-Sep-00 31-Oct-00 30-Nov-00 31-Dec-00 31-Jan-01 28-Feb-01 31-Mar-01 30-Apr-01 31-May-01 30-Jun-01 31-Jul-01 31-Aug-01 30-Sep-01 31-Oct-01 30-Nov-01 31-Dec-01 31-Jan-02 28-Feb-02 31-Mar-02 30-Apr-02 31-May-02 30-Jun-02 31-Jul-02 31-Aug-02 30-Sep-02 31-Oct-02 30-Nov-02 31-Dec-02 31-Jan-03 28-Feb-03 31-Mar-03 30-Apr-03 31-May-03 30-Jun-03 31-Jul-03 31-Aug-03 30-Sep-03 31-Oct-03 30-Nov-03
INTERÉS BANCARIO CORRIENTE 36.50% 31.84% 31.33% 31.47% 31.74% 31.69% 32.56% 32.15% 36.28% 38.39% 39.51% 47.83% 48.41% 43.20% 46.00% 49.99% 47.71% 45.49% 42.39% 40.99% 39.76% 33.57% 31.14% 27.46% 24.22% 26.25% 26.01% 26.96% 25.70% 24.22% 22.40% 19.46% 17.45% 17.87% 17.90% 19.77% 19.44% 19.92% 22.93% 23.08% 23.80% 23.69% 24.16% 26.03% 25.11% 24.83% 24.24% 25.17% 26.08% 24.25% 23.06% 23.22% 22.98% 22.48% 22.81% 22.35% 20.97% 21.03% 20.00% 19.96% 19.77% 20.01% 20.18% 20.30% 19.76% 19.69% 19.64% 19.78% 19.49% 19.81% 19.89% 19.20% 19.44% 19.88% 20.12% 20.04% 19.87%
TASA DE USURA 54.75% 47.76% 46.99% 47.21% 47.61% 47.54% 48.84% 48.23% 54.42% 57.59% 59.27% 71.75% 72.62% 64.80% 69.00% 74.99% 71.57% 68.24% 63.59% 61.49% 59.64% 50.36% 46.71% 41.19% 36.33% 39.38% 39.02% 40.44% 38.55% 36.33% 33.60% 29.19% 26.18% 26.81% 26.85% 29.66% 29.16% 29.88% 34.40% 34.62% 35.70% 35.54% 36.24% 39.05% 37.67% 37.25% 36.36% 37.76% 39.12% 36.38% 34.59% 34.83% 34.47% 33.72% 34.22% 33.53% 31.46% 31.55% 30.00% 29.94% 29.66% 30.02% 30.27% 30.45% 29.64% 29.54% 29.46% 29.67% 29.24% 29.72% 29.84% 28.80% 29.16% 29.82% 30.18% 30.06% 29.80%
SUPERINTENDENCIA FINANCIERA DE COLOMBIA 1-Dec-03 1-Jan-04 1-Feb-04 1-Mar-04 1-Apr-04 1-May-04 1-Jun-04 1-Jul-04 1-Aug-04 1-Sep-04 1-Oct-04 1-Nov-04 1-Dec-04 1-Jan-05 1-Feb-05 1-Mar-05 1-Apr-05 1-May-05 1-Jun-05 1-Jul-05 1-Aug-05 1-Sep-05 1-Oct-05 1-Nov-05 1-Dec-05 1-Jan-06 1-Feb-06
31-Dec-03 31-Jan-04 29-Feb-04 31-Mar-04 30-Apr-04 31-May-04 30-Jun-04 31-Jul-04 31-Aug-04 30-Sep-04 31-Oct-04 30-Nov-04 31-Dec-04 31-Jan-05 28-Feb-05 31-Mar-05 30-Apr-05 31-May-05 30-Jun-05 31-Jul-05 31-Aug-05 30-Sep-05 31-Oct-05 30-Nov-05 31-Dec-05 31-Jan-06 28-Feb-06
19.81% 19.67% 19.74% 19.80% 19.78% 19.71% 19.67% 19.44% 19.28% 19.50% 19.09% 19.59% 19.49% 19.45% 19.40% 19.15% 19.19% 19.02% 18.85% 18.50% 18.24% 18.22% 17.93% 17.81% 17.49% 17.35% 17.51%
29.72% 29.50% 29.61% 29.70% 29.67% 29.56% 29.50% 29.16% 28.92% 29.25% 28.63% 29.39% 29.23% 29.18% 29.10% 28.73% 28.79% 28.53% 28.28% 27.75% 27.36% 27.33% 26.90% 26.72% 26.24% 26.03% 26.27%
1-Mar-06 1-Apr-06 1-May-06 1-Jun-06 1-Jul-06 1-Aug-06 1-Sep-06 1-Oct-06
31-Mar-06 30-Apr-06 31-May-06 30-Jun-06 31-Jul-06 31-Aug-06 30-Sep-06 31-Dec-06
17.25% 16.75% 16.07% 15.61% 15.08% 15.02% 15.05% 15.07%
25.88% 25.13% 24.11% 23.42% 22.62% 22.53% 22.58% 22.61%
Notas: Con la Ley 510 de agosto de 1999, se estipula el Interés de Mora equivalente a 1.5 el Interés Bancario Corriente. Con la Ley 599 del 24 de julio de 2000, se estipula el Interés de Usura equivalente a 1.5 el Interés Bancario Corriente, cálculo que entra en vigencia a partir del 24 de julio de 2001. VIGENCIA
INTERÉS ANUAL EFECTIVO CONSUMO
COMERCIAL DESDE
HASTA
1-Jan-07
4-Jan-07
VIGENCIA
DESDE
HASTA
5-Jan-07
31-Mar-07
INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
11.07%
16.61%
20.68%
31.02%
INTERÉS ANUAL EFECTIVO CRÉDITO COMERCIAL Y DE CONSUMO MICROCRÉDITO INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
13.83%
20.75%
21.39%
32.09%
Con el decreto 4090 de 2006, se certifica el interés bancario corriente correspondiente a las modalidades de crédito: comercial, consumo y microcrédito Con el decreto 519 de 2007, se certifica el interés bancario corriente correspondiente a las modalidades de crédito: consumo y ordinario y microcrédito
VIGENCIA CRÉDITO DE CONSUMO Y ORDINARIO DESDE 1-Apr-07 1-Apr-07 1-Jul-07 1-Oct-07 1-Jan-08 1-Apr-08 1-Jul-08 1-Oct-08 1-Jan-09 1-Apr-09 1-Jul-09 1-Oct-09 1-Jan-10 1-Apr-10
HASTA 30-Jun-07 31-Mar-08 30-Sep-07 31-Dec-07 31-Mar-08 30-Jun-08 30-Sep-08 31-Dec-08 31-Mar-09 30-Jun-09 30-Sep-09 31-Dec-09 31-Mar-10 30-Jun-10
INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
16.75%
25.12%
19.01% 21.26% 21.83% 21.92% 21.51% 21.02% 20.47% 20.28% 18.65% 17.28% 16.14% 15.31%
28.51% 31.89% 32.75% 32.88% 32.27% 31.53% 30.71% 30.42% 27.98% 25.92% 24.21% 22.97%
INTERÉS ANUAL EFECTIVO MICROCRÉDITO INTERÉS BANCARIO CORRIENTE
TASA DE USURA 1.5 veces el Interés Bancario Corriente
22.62%
33.93%
SUPERINTENDENCIA FINANCIERA DE COLOMBIA 1-Jul-10 1-Oct-10 1-Jan-11 1-Apr-11 1-Jul-11 1-Oct-11 1-Oct-11 1-Jan-12 1-Apr-12 1-Jul-12 1-Oct-12 1-Oct-12 1-Jan-13 1-Apr-13 1-Jul-13 1-Oct-13 1-Oct-13 1-Jan-14 1-Apr-14 1-Jul-14 1-Oct-14 1-Oct-14 22-Dec-14 1-Jan-15 1-Apr-15 1-Jul-15 1-Oct-15
30-Sep-10 31-Dec-10 31-Mar-11 30-Jun-11 30-Sep-11 31-Dec-11 30-Sep-12 31-Mar-12 30-Jun-12 30-Sep-12 31-Dec-12 30-Sep-13 31-Mar-13 30-Jun-13 30-Sep-13 31-Dec-13 30-Sep-14 31-Mar-14 30-Jun-14 30-Sep-14 31-Dec-14 30-Sep-15 30-Sep-15 31-Mar-15 30-Jun-15 30-Sep-15 31-Dec-15
14.94% 14.21% 15.61% 17.69% 18.63% 19.39%
22.41% 21.32% 23.42% 26.54% 27.95% 29.09%
19.92% 20.52% 20.86% 20.89%
29.88% 30.78% 31.29% 31.34%
20.75% 20.83% 20.34% 19.85%
31.13% 31.25% 30.51% 29.78%
19.65% 19.63% 19.33% 19.17%
29.48% 29.45% 29.00% 28.76%
1-Oct-15 1-Oct-15 1-Jan-16 1-Apr-16 1-Jul-16 1-Oct-16
30-Sep-16 30-Sep-16 31-Mar-16 30-Jun-16 30-Sep-16 31-Dec-16
1-Oct-16
30-Sep-17
1-Oct-16
30-Sep-17
1-Jan-17
31-Mar-17
22.34%
33.51%
1-Apr-17
30-Jun-17
22.33%
33.50%
1-Jul-17
30-Sep-17
21.98%
32.97%
1-Sep-17
30-Sep-17
21.48%
32.22%
1-Oct-17
31-Oct-17
21.15%
31.73%
1-Oct-17
31-Dec-17
1-Oct-17
30-Sep-18
1-Nov-17
30-Nov-17
20.96%
31.44%
1-Dec-17
31-Dec-17
20.77%
31.16%
1-Jan-18
31-Jan-18
20.69%
31.04%
1-Jan-18
31-Mar-18
1-Feb-18
28-Feb-18
21.01%
31.52%
1-Mar-18
31-Mar-18
20.68%
31.02%
1-Apr-18
30-Apr-18
20.48%
30.72%
1-Apr-18
30-Jun-18
1-May-18
31-May-18
20.44%
30.66%
19.21% 19.37% 19.26% 19.33%
19.68% 20.54% 21.34% 21.99%
24.59% 26.59% 29.33% 32.33%
36.89% 39.89% 44.00% 48.50%
33.45%
50.18%
35.63%
53.45%
34.12%
51.18%
34.81%
52.22%
35.42%
53.13%
36.73%
55.10%
36.76%
55.14%
36.78%
55.17%
36.85%
55.28%
28.82% 29.06% 28.89% 29.00%
29.52% 30.81% 32.01% 32.99%
Para consumo y odinario la Información corresponde a las 4 semanas anteriores a la certificación . Para microcrédito la información corresponde a las 12 semanas anteriores a la certificación. Para consumo de bajo monto , la información corresponde a los últimos 12 meses.
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