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["INDICE"]
["capítulo I"]
["Sector monetario y financiero"]
[]
[1.3,"Tasas de Interés"]
["ir a","1.3.1","Tasas de interés Referenciales Vigentes"]
["ir a","1.3.2","Tasas de interés Activas Efectivas y Máximas Referenciales Vigentes por Segmento de Crédito"]

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["1.3.1 TASAS DE INTERES  REFERENCIALES VIGENTES"]
[{"$nulls":5},"regresar al indice"]
[]
[]
["Vigencia",null,"Pasiva (1)(*)","Activa (2)(*)","Legal (3)","Máxima"]
[{"$nulls":5},"Convencional"]
[{"$nulls":5},"(4)"]
[]
[]
[2007,"Agosto (**)",5.53,10.92,9.97]
[null,"Septiembre (**)",5.61,10.82,10.82]
[null,"Octubre",5.63,{"v":10.7,"d":"10.70"},{"v":10.7,"d":"10.70"},13.04]
[null,"Noviembre",5.79,10.55,10.55,12.28]
[null,"Diciembre",5.64,10.72,10.72,12.28]
[]
[2008,"Enero",5.91,10.74,10.74,11.81]
[null,"Febrero",5.97,{"v":10.5,"d":"10.50"},{"v":10.5,"d":"10.50"},11.55]
[null,"Marzo",5.96,10.43,10.43,11.26]
[null,"Abril",5.96,10.17,10.17,{"v":10.9,"d":"10.90"}]
[null,"Mayo",5.86,10.14,{"v":10,"d":"10.00"},{"v":10,"d":"10.00"}]
[null,"Junio",5.45,9.59,9.59,{"v":10,"d":"10.00"}]
[null,"Julio",5.36,9.52,9.52,9.83]
[null,"Agosto",{"v":5.3,"d":"5.30"},9.31,9.31,9.66]
[null,"Septiembre",5.29,9.31,9.31,{"v":9.5,"d":"9.50"}]
[null,"Octubre",5.08,9.24,9.24,9.33]
[null,"Noviembre",5.14,9.18,9.18,9.33]
[null,"Diciembre",5.09,9.14,9.14,9.33]
[]
[2009,"Enero",{"v":5.1,"d":"5.10"},9.16,9.16,9.33]
[null,"Febrero",5.19,9.21,9.21,9.33]
[null,"Marzo",5.31,9.24,9.24,9.33]
[null,"Abril",5.35,9.24,9.24,9.33]
[null,"Mayo",5.42,9.26,9.26,9.33]
[null,"Junio",5.63,9.24,9.24,9.33]
[null,"Julio",5.59,9.22,9.22,9.33]
[null,"Agosto",5.56,9.15,9.15,9.33]
[null,"Septiembre",5.57,9.15,9.15,9.33]
[null,"Octubre",5.44,9.19,9.19,9.33]
[null,"Noviembre",5.44,9.19,9.19,9.33]
[null,"Diciembre",5.24,9.19,9.19,9.33]
[]
[2010,"Enero",5.24,9.13,9.13,9.33]
[null,"Febrero",5.16,{"v":9.1,"d":"9.10"},{"v":9.1,"d":"9.10"},9.33]
[null,"Marzo",4.87,9.21,9.21,9.33]
[null,"Abril",4.86,9.12,9.12,9.33]
[null,"Mayo",4.57,9.11,9.11,9.33]
[null,"Junio",{"v":4.4,"d":"4.40"},9.02,9.02,9.33]
[null,"Julio",4.39,8.99,8.99,9.33]
[null,"Agosto",4.25,9.04,9.04,9.33]
[null,"Septiembre",4.25,9.04,9.04,9.33]
[null,"Octubre",{"v":4.3,"d":"4.30"},8.94,8.94,9.33]
[null,"Noviembre",{"v":4.3,"d":"4.30"},8.94,8.94,9.33]
[null,"Diciembre",4.28,8.68,8.68,9.33]
[]
[]
["(1) Corresponde al promedio ponderado por monto, de las tasas de interés efectivas pasivas remitidas por las instituciones financieras al Banco Central del "]
["Ecuador, para todos los rangos de plazos."]
["(2) Corresponde a la tasa de interés activa efectiva referencial para el segmento comercial corporativo"]
["(3) Corresponde a la tasa menor entre la tasa de interés activa efectiva referencial para el segmento comercial corporativo y la tasa de interés activa efectiva "]
["máxima del segmento comercial corporativo."]
["(4) Será igual a la tasa activa efectiva máxima del segmento comercial corporativo."]
["(*) La base de cálculo corresponderá a las tasas de interés  efectivas convenidas en las operaciones realizadas en las cuatro semanas precedentes a la última"]
["semana completa de cada mes, promedio que será ponderado por monto en dólares de los Estados Unidos de América."]
["(**) En los meses de agosto y septiembre 2007 no se publicó la tasa máxima convecional, debido al período de transición hacia el nuevo esquema de tasas de"]
["interés, expedido en la Ley del Costo Máximo Efectivo del Crédito, en Julio de 2007."]
["Fuente: Instituciones Financieras Privadas"]

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["1.3.2 TASAS DE INTERES ACTIVAS EFECTIVAS  Y MAXIMAS REFERENCIALES VIGENTES "]
["POR SEGMENTO DE CREDITO "]
[{"$nulls":19},"regresar al indice"]
[]
[null,null,"Segmento Productivo",{"$nulls":5},"Segmento Consumo",{"$nulls":3},"Segmento Microcrédito",{"$nulls":5},"Segmento Vivienda"]
[]
["Período / Segmento",null,null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima"]
[null,null,"Productivo","Productivo","Productivo","Productivo","Productivo","Productivo","Consumo (4)(*)","Consumo (9)","Consumo ","Consumo","Microcrédito ","Microcrédito","Microcrédito","Microcrédito","Microcrédito","Microcrédito","Vivienda (8)(*)","Vivienda (9)"]
[null,null,"Corporativo (1)(*)","Corporativo (9)","Empresarial (2)","Empresarial (9)","PYMES (3)(*)","PYMES (9)",null,null,"minorista (**)","Minorista","acumulación   ","acumulación ","acumulación ","acumulación","Minorista (7)(*)","Minorista (9)"]
[{"$nulls":12},"ampliada (5)(*)","ampliada (9)","simple (6)(*)","simple (9)"]
[]
[2007,"Agosto",14.76,{"v":22.5,"d":"22.50"},{"$nulls":4},{"v":21,"d":"21.00"},32.27,null,null,{"v":23.9,"d":"23.90"},41.86,{"$nulls":4},{"v":12.9,"d":"12.90"},17.23]
[null,"Septiembre",10.82,14.03,null,null,14.17,20.11,17.82,24.56,25.92,37.27,23.06,{"v":30.3,"d":"30.30"},31.41,43.85,40.69,45.93,{"v":11.5,"d":"11.50"},14.77]
[null,"Octubre",{"v":10.7,"d":"10.70"},13.04,null,null,{"v":14.1,"d":"14.10"},19.52,18.47,{"v":24.6,"d":"24.60"},24.96,33.76,24.75,31.97,36.24,50.86,{"v":42.9,"d":"42.90"},48.21,12.15,14.88]
[null,"Noviembre",10.55,12.28,null,null,13.31,17.32,17.89,22.58,21.17,30.67,23.27,{"v":31.8,"d":"31.80"},34.04,50.57,35.06,48.21,12.19,14.04]
[null,"Diciembre",10.72,12.28,null,null,13.15,{"v":16.6,"d":"16.60"},{"v":18,"d":"18.00"},22.45,21.23,30.67,{"v":23.5,"d":"23.50"},30.85,31.55,49.81,41.47,48.21,12.13,14.04]
[]
[2008,"Enero",10.74,11.81,null,null,13.82,{"v":15.9,"d":"15.90"},18.43,21.19,22.37,26.85,22.38,27.98,31.19,38.98,39.98,39.98,12.32,13.55]
[null,"Febrero",{"v":10.5,"d":"10.50"},11.55,null,null,{"v":13.6,"d":"13.60"},15.64,17.74,20.41,{"v":21.3,"d":"21.30"},25.56,22.33,27.98,30.86,38.98,38.31,39.98,12.27,{"v":13.5,"d":"13.50"}]
[null,"Marzo",10.43,11.26,null,null,13.44,14.92,17.66,19.96,20.63,25.56,22.89,27.98,30.86,38.98,36.22,39.98,12.46,13.08]
[null,"Abril",10.17,{"v":10.9,"d":"10.90"},null,null,13.16,{"v":14.5,"d":"14.50"},17.71,{"v":19.5,"d":"19.50"},20.27,{"v":25,"d":"25.00"},{"v":22.6,"d":"22.60"},{"v":25.5,"d":"25.50"},30.79,{"v":36.5,"d":"36.50"},36.58,{"v":37.5,"d":"37.50"},12.42,{"v":12.8,"d":"12.80"}]
[null,"Mayo",10.14,{"v":10,"d":"10.00"},null,null,12.76,{"v":13.5,"d":"13.50"},17.68,{"v":18.5,"d":"18.50"},20.43,{"v":24,"d":"24.00"},21.89,{"v":25.5,"d":"25.50"},30.42,{"v":36.5,"d":"36.50"},35.23,{"v":37.5,"d":"37.50"},12.24,{"v":12,"d":"12.00"}]
[null,"Junio",9.59,{"v":10,"d":"10.00"},null,null,12.47,{"v":13.5,"d":"13.50"},{"v":17.2,"d":"17.20"},18.38,20.09,23.73,21.37,{"v":25.5,"d":"25.50"},29.46,{"v":36.5,"d":"36.50"},35.31,{"v":37.5,"d":"37.50"},11.71,{"v":12,"d":"12.00"}]
[null,"Julio",9.52,9.83,null,null,{"v":12.1,"d":"12.10"},13.08,16.99,17.82,19.91,23.11,{"v":21.4,"d":"21.40"},{"v":25.5,"d":"25.50"},29.95,{"v":35.5,"d":"35.50"},34.71,{"v":36.5,"d":"36.50"},11.47,11.83]
[null,"Agosto",9.31,9.66,null,null,12.05,12.66,16.84,17.26,19.64,22.49,21.36,{"v":25.5,"d":"25.50"},29.57,{"v":34.4,"d":"34.40"},34.43,{"v":35.2,"d":"35.20"},11.33,11.66]
[null,"Septiembre",9.31,{"v":9.5,"d":"9.50"},null,null,11.74,12.25,{"v":16.6,"d":"16.60"},{"v":16.7,"d":"16.70"},19.32,21.87,21.42,{"v":25.5,"d":"25.50"},29.13,{"v":33.3,"d":"33.30"},33.05,{"v":33.9,"d":"33.90"},11.19,{"v":11.5,"d":"11.50"}]
[null,"Octubre",9.24,9.33,null,null,11.57,11.83,{"v":16.3,"d":"16.30"},{"v":16.3,"d":"16.30"},{"v":19,"d":"19.00"},21.24,22.06,{"v":25.5,"d":"25.50"},28.83,{"v":33.3,"d":"33.30"},32.38,{"v":33.9,"d":"33.90"},11.01,11.33]
[null,"Noviembre",9.18,9.33,null,null,11.24,11.83,{"v":15.9,"d":"15.90"},{"v":16.3,"d":"16.30"},18.61,21.24,22.53,{"v":25.5,"d":"25.50"},28.91,{"v":33.3,"d":"33.30"},31.87,{"v":33.9,"d":"33.90"},10.82,11.33]
[null,"Diciembre",9.14,9.33,null,null,11.13,11.83,15.76,{"v":16.3,"d":"16.30"},18.55,21.24,22.91,{"v":25.5,"d":"25.50"},29.16,{"v":33.3,"d":"33.30"},31.84,{"v":33.9,"d":"33.90"},10.87,11.33]
[]
[2009,"Enero",9.16,9.33,null,null,11.18,11.83,15.67,{"v":16.3,"d":"16.30"},18.56,21.24,{"v":23,"d":"23.00"},{"v":25.5,"d":"25.50"},28.84,{"v":33.3,"d":"33.30"},31.47,{"v":33.9,"d":"33.90"},10.93,11.33]
[null,"Febrero",9.21,9.33,null,null,11.21,11.83,15.69,{"v":16.3,"d":"16.30"},18.64,21.24,23.19,{"v":25.5,"d":"25.50"},28.41,{"v":33.3,"d":"33.30"},{"v":31.9,"d":"31.90"},{"v":33.9,"d":"33.90"},10.97,11.33]
[null,"Marzo",9.24,9.33,null,null,11.23,11.83,15.71,{"v":16.3,"d":"16.30"},18.42,21.24,22.58,{"v":25.5,"d":"25.50"},28.52,{"v":33.3,"d":"33.30"},31.62,{"v":33.9,"d":"33.90"},10.86,11.33]
[null,"Abril",9.24,9.33,null,null,11.12,11.83,15.77,{"v":16.3,"d":"16.30"},18.58,21.24,22.08,{"v":25.5,"d":"25.50"},{"v":28.8,"d":"28.80"},{"v":33.3,"d":"33.30"},30.67,{"v":33.9,"d":"33.90"},11.03,11.33]
[null,"Mayo",9.26,9.33,null,null,{"v":11.2,"d":"11.20"},11.83,15.69,{"v":16.3,"d":"16.30"},18.53,21.24,22.05,{"v":25.5,"d":"25.50"},28.88,{"v":33.3,"d":"33.30"},30.37,{"v":33.9,"d":"33.90"},11.11,11.33]
[null,"Junio",9.24,9.33,null,null,10.92,11.83,15.38,18.92,18.59,26.94,22.41,{"v":25.5,"d":"25.50"},28.99,{"v":33.3,"d":"33.30"},{"v":29.8,"d":"29.80"},35.27,11.15,11.33]
[null,"Julio",9.22,9.33,null,10.21,11.14,11.83,{"v":16.8,"d":"16.80"},18.92,"-","-",23.03,{"v":25.5,"d":"25.50"},29.47,{"v":33.3,"d":"33.30"},{"v":30.8,"d":"30.80"},{"v":33.9,"d":"33.90"},11.15,11.33]
[null,"Agosto",9.15,9.33,9.88,10.21,{"v":11.1,"d":"11.10"},11.83,17.95,18.92,"-","-",24.34,{"v":25.5,"d":"25.50"},27.87,{"v":33.3,"d":"33.30"},30.81,{"v":33.9,"d":"33.90"},11.16,11.33]
[null,"Septiembre",9.15,9.33,9.93,10.21,11.38,11.83,{"v":18,"d":"18.00"},18.92,"-","-",23.92,{"v":25.5,"d":"25.50"},28.15,{"v":33.3,"d":"33.30"},30.91,{"v":33.9,"d":"33.90"},11.16,11.33]
[null,"Octubre",9.19,9.33,9.84,10.21,11.32,11.83,18.03,18.92,"-","-",23.74,{"v":25.5,"d":"25.50"},28.56,{"v":33.3,"d":"33.30"},30.83,{"v":33.9,"d":"33.90"},11.13,11.33]
[null,"Noviembre",9.19,9.33,9.84,10.21,11.32,11.83,18.03,18.92,"-","-",23.74,{"v":25.5,"d":"25.50"},28.56,{"v":33.3,"d":"33.30"},30.83,{"v":33.9,"d":"33.90"},11.13,11.33]
[null,"Diciembre",9.19,9.33,{"v":9.9,"d":"9.90"},10.21,11.28,11.83,17.94,18.92,null,null,23.29,{"v":25.5,"d":"25.50"},27.78,{"v":33.3,"d":"33.30"},30.54,{"v":33.9,"d":"33.90"},11.15,11.33]
[]
[2010,"Enero",9.13,9.33,9.97,10.21,11.19,11.83,18.08,18.92,"-","-",23.07,{"v":25.5,"d":"25.50"},28.29,{"v":33.3,"d":"33.30"},30.53,{"v":33.9,"d":"33.90"},11.11,11.33]
[null,"Febrero",{"v":9.1,"d":"9.10"},9.33,9.92,10.21,11.38,11.83,{"v":18.1,"d":"18.10"},{"v":16.3,"d":"16.30"},"-","-",{"v":22.9,"d":"22.90"},{"v":25.5,"d":"25.50"},27.85,{"v":33.3,"d":"33.30"},29.72,{"v":33.9,"d":"33.90"},11.05,11.33]
[null,"Marzo",9.21,9.33,9.94,10.21,11.35,11.83,{"v":16.8,"d":"16.80"},{"v":16.3,"d":"16.30"},"-","-",23.06,{"v":25.5,"d":"25.50"},28.13,{"v":33.3,"d":"33.30"},30.23,{"v":33.9,"d":"33.90"},10.94,11.33]
[null,"Abril",9.12,9.33,9.91,10.21,11.39,11.83,15.97,{"v":16.3,"d":"16.30"},"-","-",23.01,{"v":25.5,"d":"25.50"},27.85,{"v":33.3,"d":"33.30"},30.54,{"v":33.9,"d":"33.90"},10.87,11.33]
[null,"Mayo",9.11,9.33,9.88,10.21,11.35,11.83,15.95,{"v":16.3,"d":"16.30"},"-","-",22.78,{"v":25.5,"d":"25.50"},27.79,{"v":27.5,"d":"27.50"},30.76,{"v":30.5,"d":"30.50"},10.77,11.33]
[null,"Junio",9.02,9.33,9.87,10.21,11.35,11.83,15.92,{"v":16.3,"d":"16.30"},"-","-",22.67,{"v":25.5,"d":"25.50"},26.36,{"v":27.5,"d":"27.50"},29.14,{"v":30.5,"d":"30.50"},10.74,11.33]
[null,"Julio",8.99,9.33,9.77,10.21,11.33,11.83,15.86,{"v":16.3,"d":"16.30"},"-","-",22.65,{"v":25.5,"d":"25.50"},24.97,{"v":27.5,"d":"27.50"},27.69,{"v":30.5,"d":"30.50"},10.56,11.33]
[null,"Agosto",9.04,9.33,9.78,10.21,11.27,11.83,15.86,{"v":16.3,"d":"16.30"},"-","-",22.75,{"v":25.5,"d":"25.50"},24.99,{"v":27.5,"d":"27.50"},28.45,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Septiembre",9.04,9.33,9.78,10.21,11.27,11.83,15.86,{"v":16.3,"d":"16.30"},"-","-",22.75,{"v":25.5,"d":"25.50"},24.99,{"v":27.5,"d":"27.50"},28.45,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Octubre",8.94,9.33,9.67,10.21,11.32,11.83,15.89,{"v":16.3,"d":"16.30"},"-","-",23.08,{"v":25.5,"d":"25.50"},25.17,{"v":27.5,"d":"27.50"},{"v":28.7,"d":"28.70"},{"v":30.5,"d":"30.50"},10.62,11.33]
[null,"Noviembre",8.94,9.33,9.67,10.21,11.32,11.83,15.89,{"v":16.3,"d":"16.30"},"-","-",23.08,{"v":25.5,"d":"25.50"},25.17,{"v":27.5,"d":"27.50"},{"v":28.7,"d":"28.70"},{"v":30.5,"d":"30.50"},10.62,11.33]
[null,"Diciembre",8.68,9.33,9.54,10.21,{"v":11.3,"d":"11.30"},11.83,15.94,{"v":16.3,"d":"16.30"},"-","-",23.11,{"v":25.5,"d":"25.50"},25.37,{"v":27.5,"d":"27.50"},29.04,{"v":30.5,"d":"30.50"},10.38,11.33]
[]
[]
["(1)","Son aquellas operaciones de crédito superiores a USD 1.000.000 otorgadas a personas naturales o jurídicas que cumplen los parámetros de definición del crédito productivo. Cuando el saldo adeudado  del prestatario en créditos productivos con la institución financiera supere los USD 1.000.000, indiferentemente del monto"]
[null,"la operación pertenecerá al segmento productivo-corporativo."]
["(2)","Son aquellas operaciones de crédito, cuyo monto por operación y saldo adeudado  en créditos productivos a la institución financiera sea superior a USD 200.000 hasta USD 1.000.000, otorgadas a personas naturales o jurídicas que cumplen los parámetros de definición del crédito productivo. "]
["(3)","Son aquellas operaciones de crédito  cuyo monto por operación y saldo adeudado  en créditos productivos a la institución financiera sea menor o igual a USD 200.000, otorgadas a personas naturales o jurídicas que cumplen los parámetros de definición del crédito productivo."]
[null,"Se incluye en este segmento todas las operaciones de crédito instrumentadas a favor de tarjeta habientes titulares constituidos exclusivamente como personas jurídicas."]
["(4)","Son créditos de consumo los otorgados por las instituciones controladas a personas naturales asalariadas y/o rentistas, que tengan por destino la adquisición de bienes de consumo o pago de servicios, que generalmente se amortizan en función de un sistema de cuotas periódicas y cuya fuente de pago es el ingreso neto"]
[null,"mensual promedio del deudor, entendiéndose por éste el promedio de los ingresos brutos mensuales del núcleo familiar menos los gastos familiares estimados mensuales."]
["(5)","Son aquellas operaciones de crédito superiores a USD 10.000 otorgadas a microempresarios que registran un nivel de ventas anuales inferior a USD 100.000, a trabajadores por cuenta propia, o un grupo de prestatarios con garantía solidaria. Cuando el saldo adeudado  en micro créditos con la institución financiera supere los"]
[null,"USD 10.000 indiferentemente del monto, la operación pertenecerá al segmento de microcrédito de acumulación ampliada."]
["(6)","Son aquellas operaciones de crédito, cuyo monto por operación y saldo adeudado  en micro créditos a la institución financiera  sea superior a USD 3.000 hasta USD 10.000, otorgadas a microempresarios que registran un nivel de ventas o ingresos anuales inferior a USD 100.000, a trabajadores por cuenta propia, o a un grupo"]
[null,"de prestatarios con garantía solidaria."]
["(7)","Son aquellas operaciones de crédito cuyo monto por operación y saldo adeudado  en microcréditos a la institución financiera sea menor o igual a USD 3.000, otorgadas a microempresarios que registran un nivel de ventas anuales inferior a USD 100.000, a trabajadores por cuenta propia, o a un grupo de prestatarios con garantía "]
[null,"solidaria."]
["(8)","Son aquellas operaciones de crédito otorgadas a personas naturales para la adquisición, construcción, reparación, remodelación y mejoramiento de vivienda propia, siempre que se encuentren caucionadas con garantía hipotecaria y hayan sido otorgadas al usuario final del inmueble; caso contrario, se considerarán como "]
[null,"operaciones de crédito comercial, de consumo o microcrédito según las características del sujeto de crédito y del monto de la operación."]
["(9)","Las tasas de interés activas efectivas máximas para cada uno de los segmentos de crédito, corresponderán a la tasa promedio ponderada por  monto, en dólares de los Estados Unidos de América, de las operaciones de crédito concedidas en cada segmento, en las cuatro semanas anteriores a la última semana completa "]
[null,"del mes en que entrará en vigencia, multiplicada por un factor a ser determinado por el Directorio del Banco Central del Ecuador."]
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["(*)","Promedio ponderado por monto, de las tasas de interés efectivas pactadas en las operaciones de crédito concedidas por las instituciones del sistema financiero privado. La base de cálculo corresponderá a las tasas de interés efectivas convenidas en las operaciones realizadas en las cuatro semanas precedentes"]
[null,"a la última semana completa de cada mes."]
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["(**)","Según Regulación 190-2009 del 10 de junio de 2009, se establece un único segmento de las operaciones de crédito de consumo, tanto las concedidas de manera directa como a través de tarjetas de crédito."]
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["Fuente: Instituciones Financieras Privadas"]