{"text_format":"3","workbook":"xls","n_sheets":5,"sheets":["INDICE","Nota Técnica","1.3.1","1.3.2","1.3.3"],"not_rendered":{"images":5,"external_links":1,"defined_names":7},"read":"whole","date_system":"1900","formulas":"cached_only"}

{"sheet":"INDICE","index":0,"n_rows":14,"n_cols":8,"rows_kept":14,"flags":["formulas_cached_only"]}
[]
[]
[]
[]
[]
["INDICE"]
["capítulo I",{"$nulls":6},"boletín anuario 39"]
["Sector monetario y financiero"]
[]
[1.3,"Tasas de Interés"]
[null,"NOTA TÉCNICA"]
[null,"1.3.1","Tasas de interés Referenciales Vigentes"]
[null,"1.3.2","Tasas de interés Activas Efectivas y Máximas Referenciales Vigentes por Segmento de Crédito (hasta julio de 2015)"]
[null,"1.3.3","Tasas de interés Activas Efectivas y Máximas Referenciales Vigentes por Segmento de Crédito (desde agosto de 2015)"]

{"sheet":"Nota Técnica","index":1,"n_rows":52,"n_cols":7,"rows_kept":52,"merged":[[9,1,9,6],[11,1,11,6],[13,1,15,6],[17,1,17,6],[19,1,19,6],[24,1,26,6],[27,1,27,6],[29,1,30,6],[32,1,33,6],[36,1,38,1],[40,1,42,1],[48,1,50,1],[51,2,51,4]],"flags":["formulas_cached_only"]}
[]
[]
[]
[]
[]
[]
[null,"Marco Legal"]
[]
[]
[null,"La Junta de Política y Regulación Monetaria y Financiera mediante Resolución No. 043-2015-F, de 5 de marzo de 2015 y Resolución No. 059-2015-F, de 16 de abril de 2015, expidió las “Normas que regulan la segmentación de la cartera de créditos de las entidades del Sistema Financiero Nacional”. \n"]
[]
[null,"Por otro lado, la Junta de Política y Regulación Monetaria y Financiera mediante Resolución No. 044-2015-F, de 5 de marzo de 2015, conoció y resolvió aprobar las “Normas que regulan la fijación de las Tasas de Interés Activas Efectivas Máximas” que regirán para todo el Sistema Financiero Privado, Público y de la Economía Popular y Solidaria. "]
[]
[null,"Sobre la base de las Resoluciones No. 043-2015-F, 059-2015-F y 044-2015-F, la Superintendencia de Bancos (SB) mediante Resolución No. SB-2015-0560, en su artículo 6 menciona: “La presente resolución, en lo que hace relación a la creación de cuentas de orden, será de aplicación obligatoria a partir del 3 de agosto del 2015; y, en lo relativo a pasivos inmovilizados y las reformas a la resolución No. SB-2015-0220, será de aplicación obligatoria a partir de su suscripción”."]
[]
[]
[]
[null,"Por su lado, la Superintendencia de Economía Popular y Solidaria (SEPS) mediante Resolución SEPS-IFPS-IEN-2015-061, de 3 de julio de 2015, expide el Catálogo Único de Cuentas, que deberán utilizar de manera obligatoria las cooperativas de ahorro y crédito y la Corporación Nacional de Finanzas Populares y Solidarias."]
[]
[null,"Con Oficio Circular No. SEPS-IEN-2015-14734, de 13 de agosto de 2015, se dispone las fechas máximas de envío y estabilización, para que las entidades del Sector Financiero Popular y Solidario, de acuerdo al segmento que pertenecen, remitan a la SEPS, los estados financieros con la aplicación del nuevo Catálogo Único de Cuentas, entre noviembre de 2015 y febrero de 2016."]
[]
[]
[null,"Nueva Segmentación"]
[]
[null,"La Junta de Política y Regulación Monetaria y Financiera (JPRMF) mediante Resolución No.043-2015-F, de 5 de marzo de 2015 y Resolución No.059-2015-F, de 16 de abril de 2015 expidió las Normas que regulan la segmentación de la cartera de crédito de las entidades del Sistema Financiero Nacional (SFN)."]
[]
[]
[null,"A través de la Resolución No.SB-2015-0220, de 1 de abril de 2015, la Superintendencia de Bancos del Ecuador (SB) expidió reformas al Catálogo Único de Cuentas (CUC) para uso del Sistema Financiero Nacional público y privado, en el que se incorporan los nuevos segmentos de crédito."]
[]
[null,"Según la Resolución 140-2015-F, publicada en el Suplemento del Registro Oficial No. 627 de 13 de noviembre de 2015, se establece que la tasa de interés activa efectiva máxima para el segmento Consumo Ordinario será de 17.30%; la misma que entrará en vigencia a partir de su publicación en el Registro Oficial."]
[]
[]
[null,"Según la Resolución 154-2015-F, de 25 de noviembre de 2015, se establece que la tasa de interés activa efectiva máxima para el segmento Consumo Prioritario será de 17.30% y para el segmento Educativo será de 9.50%"]
[]
[]
[null,"Segmento de crédito   ","Subsegmentos "," Criterios (nivel de ventas) ","Criterios (monto) ","Tasa de interés máx.  ","Criterio (destino) "]
[null,"Productivo ","Corporativo ","> USD 5,000,000  ","  ",{"v":0.0933,"d":"9.33%"},"Productivo Corporativo.- Operaciones de crédito productivo otorgadas a personas naturales obligadas a llevar contabilidad o personas jurídicas que registren ventas anuales superiores a USD 5,000,000.00."]
[null,null,"Empresarial ","> USD 1,000,000 & ≤ USD 5,000,000 ",null,{"v":0.1021,"d":"10.21%"},"Productivo Empresarial.- Operaciones de crédito productivo otorgadas a personas naturales obligadas a llevar contabilidad personas jurídicas que registren ventas anuales superiores a USD 1,000,000.00 y hasta USD 5,000,000.00."]
[null,null,"PYMES ","> USD 100,000 & ≤ USD 1,000,000 ",null,{"v":0.1183,"d":"11.83%"},"Productivo PYMES.- Operaciones de crédito productivo otorgadas a personas naturales obligadas a llevar contabilidad o a personas jurídicas que registren ventas anuales superiores a USD 100,000.00 y hasta USD 1,000,000.00."]
[null,"Comercial Ordinario ","  ","> USD 100,000 ",null,{"v":0.1183,"d":"11.83%"},"Comercial Ordinario.- Es el otorgado a personas naturales obligadas a llevar contabilidad o a personas jurídicas que registren ventas anuales superiores a USD 100,000.00, destinado a la adquisición o comercialización de vehículos livianos, incluyendo los que son para fines productivos y comerciales."]
[null,"Comercial Prioritario ","Corporativo ","> USD 5,000,000  ",null,{"v":0.0933,"d":"9.33%"},"Comercial Prioritario Corporativo.- Operaciones de crédito comercial prioritario otorgadas a personas naturales obligadas a llevar contabilidad o personas jurídicas que registren ventas anuales superiores a USD 5,000,000.00."]
[null,null,"Empresarial ","> USD 1,000,000 & ≤ USD 5,000,000 ",null,{"v":0.1021,"d":"10.21%"},"Comercial Prioritario Empresarial.- Operaciones de crédito comercial prioritario otorgadas a personas naturales obligadas a llevar contabilidad o personas jurídicas que registren ventas anuales superiores a USD 1,000,000.00 y hasta USD 5,000,000.00."]
[null,null,"PYMES ","> USD 100,000 & ≤ USD 1,000,000 ",null,{"v":0.1183,"d":"11.83%"},"Comercial Prioritario PYMES.- Operaciones de crédito comercial prioritario otorgadas a personas naturales obligadas a llevar contabilidad o personas jurídicas cuyas ventas anuales sean superiores a USD 100,000.00 y hasta USD 1,000,000.00."]
[null,"Consumo Ordinario ","  ","  ",null,{"v":0.173,"d":"17.30%"},"Consumo Ordinario.- Es el otorgado a personas naturales destinados a la adquisición o comercialización de vehículos livianos de combustible fósil."]
[null,"Consumo Prioritario ","  ",null,null,{"v":0.173,"d":"17.30%"},"Consumo Prioritario.- Es el otorgado a personas naturales, destinado a la compra de bienes, servicios o gastos no relacionados con una actividad productiva, comercial y otras compras y gastos no incluidos en el segmento de consumo ordinario, incluidos los créditos prendarios de joyas."]
[null,"Educativo ","  ","  ","  ",{"v":0.095,"d":"9.50%"},"Educativo.- operaciones de crédito otorgadas a personas naturales para su formación y capacitación profesional o técnica y a personas jurídicas para el financiamiento de formación y capacitación profesional o técnica de su talento humano, en ambos casos la formación y capacitación deberá ser debidamente acreditada por los órganos competentes."]
[null,"Inmobiliario ","  ",null,null,{"v":0.1133,"d":"11.33%"},"Inmobiliario.- Es el otorgado con garantía hipotecaria a personas naturales para la construcción, reparación, remodelación y mejora de inmuebles propios; para la adquisición de terrenos destinados a la construcción de vivienda propia; y, para la adquisición de vivienda terminada para uso del deudor y su familia no categorizada en el segmento de crédito Vivienda de Interés Público."]
[null,"Vivienda de Interés Público ","  ",null,"≤ USD 70,000 o valor por metro cuadrado ≤ USD 890 ",{"v":0.0499,"d":"4.99%"},"Vivienda de interés público.- Operaciones de crédito de vivienda de interés público, con un valor comercial menor o igual a USD 70,000.00 y cuyo valor por metro cuadrado sea menor o igual a USD 890.00."]
[null,"Microcrédito ","Acumulación Ampliada ","≤ USD 100,000 ","> USD 10,000  ",{"v":0.255,"d":"25.50%"},"Microcrédito de Acumulación Ampliada.- Operaciones otorgadas a solicitantes de crédito cuyo saldo adeudado en microcréditos a la entidad del Sistema Financiero Nacional sea superior a USD 10,000.00, incluyendo el monto de la operación solicitada."]
[null,null,"Acumulación Simple ","≤ USD 100,000 ","> USD 1,000 & ≤ USD 10,000 ",{"v":0.275,"d":"27.50%"},"Microcrédito de Acumulación Simple.- Operaciones otorgadas a solicitantes de crédito cuyo saldo adeudado en microcréditos a la entidad del Sistema Financiero Nacional sea superior a USD 1,000.00 y hasta USD 10,000.00, incluyendo el monto de la operación solicitada."]
[null,null,"Minorista ","≤ USD 100,000 ","≤ USD 1,000 ",{"v":0.305,"d":"30.50%"},"Microcrédito Minorista.- Operaciones otorgadas a solicitantes de crédito cuyo saldo adeudado en microcréditos a la entidad del Sistema Financiero Nacional, sea menor o igual a USD 1,000.00, incluyendo el monto de la operación solicitada."]
[null,"Inversión pública ","  ",null,null,{"v":0.0933,"d":"9.33%"},"Destinado a financiar obras y servicios encaminados a la provisión de servicios públicos, cuya prestación es responsabilidad del Estado, se incluye en este segmento a las operaciones otorgadas a los Gobiernos Autónomos Descentralizados y otras entidades del sector público. "]

{"sheet":"1.3.1","index":2,"n_rows":155,"n_cols":6,"rows_kept":155,"merged":[[6,0,6,1]],"flags":["formulas_cached_only"]}
[]
[]
[null,null,"1.3.1 TASAS DE INTERÉS  REFERENCIALES VIGENTES"]
[]
[]
[]
["Vigencia",null,"Pasiva (1)(*)","Activa (2)(*)","Legal (3)","Máxima Convencional (4) (**)"]
[]
[2007,"Agosto",5.53,10.92,9.97,"n.d."]
[null,"Septiembre",5.61,10.82,10.82,"n.d."]
[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]
[]
[2011,"Enero",4.55,8.59,8.59,9.33]
[null,"Febrero",4.51,8.25,8.25,9.33]
[null,"Marzo",4.59,8.65,8.65,9.33]
[null,"Abril",{"v":4.6,"d":"4.60"},8.34,8.34,9.33]
[null,"Mayo",{"v":4.6,"d":"4.60"},8.34,8.34,9.33]
[null,"Junio",4.58,8.37,8.37,9.33]
[null,"Julio",4.58,8.37,8.37,9.33]
[null,"Agosto",4.58,8.37,8.37,9.33]
[null,"Septiembre",4.58,8.37,8.37,9.33]
[null,"Octubre",4.53,8.17,8.17,9.33]
[null,"Noviembre",4.53,8.17,8.17,9.33]
[null,"Diciembre",4.53,8.17,8.17,9.33]
[]
[2012,"Enero",4.53,8.17,8.17,9.33]
[null,"Febrero",4.53,8.17,8.17,9.33]
[null,"Marzo",4.53,8.17,8.17,9.33]
[null,"Abril",4.53,8.17,8.17,9.33]
[null,"Mayo",4.53,8.17,8.17,9.33]
[null,"Junio",4.53,8.17,8.17,9.33]
[null,"Julio",4.53,8.17,8.17,9.33]
[null,"Agosto",4.53,8.17,8.17,9.33]
[null,"Septiembre",4.53,8.17,8.17,9.33]
[null,"Octubre",4.53,8.17,8.17,9.33]
[null,"Noviembre",4.53,8.17,8.17,9.33]
[null,"Diciembre",4.53,8.17,8.17,9.33]
[]
[2013,"Enero",4.53,8.17,8.17,9.33]
[null,"Febrero",4.53,8.17,8.17,9.33]
[null,"Marzo",4.53,8.17,8.17,9.33]
[null,"Abril",4.53,8.17,8.17,9.33]
[null,"Mayo",4.53,8.17,8.17,9.33]
[null,"Junio",4.53,8.17,8.17,9.33]
[null,"Julio",4.53,8.17,8.17,9.33]
[null,"Agosto",4.53,8.17,8.17,9.33]
[null,"Septiembre",4.53,8.17,8.17,9.33]
[null,"Octubre",4.53,8.17,8.17,9.33]
[null,"Noviembre",4.53,8.17,8.17,9.33]
[null,"Diciembre",4.53,8.17,8.17,9.33]
[]
[2014,"Enero",4.53,8.17,8.17,9.33]
[null,"Febrero",4.53,8.17,8.17,9.33]
[null,"Marzo",4.53,8.17,8.17,9.33]
[null,"Abril",4.53,8.17,8.17,9.33]
[null,"Mayo",5.11,7.64,7.64,9.33]
[null,"Junio",5.19,8.19,8.19,9.33]
[null,"Julio",4.98,8.21,8.21,9.33]
[null,"Agosto",5.14,8.16,8.16,9.33]
[null,"Septiembre",4.98,7.86,7.86,9.33]
[null,"Octubre",5.08,8.34,8.34,9.33]
[null,"Noviembre",5.07,8.13,8.13,9.33]
[null,"Diciembre",5.18,8.19,8.19,9.33]
[]
[2015,"Enero",5.22,7.84,7.84,9.33]
[null,"Febrero",5.32,7.41,7.41,9.33]
[null,"Marzo",5.31,7.31,7.31,9.33]
[null,"Abril",5.39,8.09,8.09,9.33]
[null,"Mayo",5.51,8.45,8.45,9.33]
[null,"Junio",5.48,{"v":8.7,"d":"8.70"},{"v":8.7,"d":"8.70"},9.33]
[null,"Julio",5.54,8.54,8.54,9.33]
[null,"Agosto  (***)",5.55,8.06,8.06,9.33]
[null,"Septiembre",5.55,8.06,8.06,9.33]
[null,"Octubre",4.98,9.11,9.11,9.33]
[null,"Noviembre",5.11,9.22,9.22,9.33]
[null,"Diciembre",5.14,9.12,9.12,9.33]
[]
[2016,"Enero",5.62,9.15,9.15,9.33]
[null,"Febrero",5.83,8.88,8.88,9.33]
[null,"Marzo",5.95,8.86,8.86,9.33]
[null,"Abril",5.85,9.03,9.03,9.33]
[null,"Mayo",5.47,8.89,8.89,9.33]
[null,"Junio",{"v":6,"d":"6.00"},8.66,8.66,9.33]
[null,"Julio",6.01,8.67,8.67,9.33]
[null,"Agosto",5.91,8.21,8.21,9.33]
[null,"Septiembre",5.78,8.78,8.78,9.33]
[null,"Octubre",5.75,8.71,8.71,9.33]
[null,"Noviembre",5.51,8.38,8.38,9.33]
[null,"Diciembre",5.12,{"v":8.1,"d":"8.10"},{"v":8.1,"d":"8.10"},9.33]
[]
[]
["(1) Corresponde al promedio ponderado por monto, de las tasas de interés efectivas pasivas remitidas por las entidades 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 productivo corporativo. A partir del 29 de septiembre de 2015, "]
["corresponde a la tasa de interés activa efectiva referencial para el segmento comercial prioritario corporativo. Resolución 133-2015-M de la Junta "]
["de Política y Regulación Monetaria y Financiera."]
["(3) Corresponde a la tasa menor entre la tasa de interés activa efectiva referencial para el segmento productivo corporativo y la tasa de interés activa "]
["efectiva máxima del segmento productivo corporativo. A partir del 29 de septiembre de 2015, corresponde a la tasa de interés activa efectiva referencial "]
["para el segmento comercial prioritario corporativo. Resolución 133-2015-M de la Junta de Política y Regulación Monetaria y Financiera."]
["(4) Será igual a la tasa activa efectiva máxima del segmento productivo corporativo. A partir del 29 de septiembre de 2015, será igual a la tasa activa"]
[" efectiva máxima del segmento comercial prioritario corporativo.  Resolución 133-2015-M de la Junta de Política y Regulación Monetaria y Financiera."]
["(*) 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."]
["(**) El artículo 6, del Capítulo I \"Tasas de interés referenciales\", y el artículo 3 del Capítulo II \"Tasas de interés de cumplimiento obligatorio\","]
["del título  Sexto \"Sistema de Tasas de Interés\", del Libro I \"Politica Monetaria - Crediticia\", de la Codificación de Regulaciones del Banco"]
["Central del Ecuador, establece que, en caso de no determinarse las tasas de interés máximas por segmento, para el período "]
["mensual siguiente regirán las últimas tasas publicadas por el Banco Central del Ecuador. A partir del 29 de septiembre de 2015, "]
["de acuerdo a la Resolución 133-2015-M en su artículo 8, establece que: \"En caso de no determinarse las tasas referidas en los artículos precedentes para el período"]
["mensual siguiente, regirán las últimas tasas publicadas por el Banco Central del Ecuador.\""]
["(***) Mediante Resoluciones 043-2015-F de 5 de marzo de 2015; y, 059-2015-F de 16 de abril de 2015 la Junta de Política y Regulación Monetaria y Financiera "]
["emitió la normativa para la nueva segmentación de crédito del Sistema Financiero Nacional. "]
[]
[]
["Fuente: Entidades Financieras Privadas"]

{"sheet":"1.3.2","index":3,"n_rows":142,"n_cols":40,"rows_kept":142,"merged":[[6,0,7,1],[6,2,6,7],[6,8,6,11],[6,12,6,17],[6,18,6,21]],"flags":["formulas_cached_only"]}
[]
[]
[{"$nulls":3},"1.3.2 TASAS DE INTERÉS ACTIVAS EFECTIVAS  Y MÁXIMAS REFERENCIALES VIGENTES "]
[{"$nulls":3},"POR SEGMENTACIÓN DE LA CARTERA (hasta julio de 2015)"]
[]
[]
["Período / Segmento",null,"Segmento Productivo",{"$nulls":5},"Segmento Consumo",{"$nulls":3},"Segmento Microcrédito",{"$nulls":5},"Segmento Vivienda"]
[null,null,"Productivo Corporativo (1)(*)","Máxima Productivo Corporativo (9)","Productivo Empresarial (2)","Máxima Productivo Empresarial (9)","Productivo PYMES (3)(*)","Máxima Productivo PYMES (9)","Consumo (4)(*)","Máxima Consumo (9)","Consumo minorista (**)","Máxima Consumo Minorista","Microcrédito acumulación ampliada (5)(*)","Máxima Microcrédito acumulación ampliada (9)","Microcrédito acumulación simple (6)(*)","Máxima Microcrédito acumulación simple (9)","Microcrédito Minorista (7)(*)","Máxima Microcrédito Minorista (9)","Vivienda (8)(*)","Máxima Vivienda (9)","Vivienda de Interés Público (10)(*)","Máxima Vivienda de Interés Público (9)"]
[]
[2007,"Agosto",14.76,{"v":22.5,"d":"22.50"},{"$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]
[]
[2011,"Enero",8.59,9.33,9.47,10.21,11.28,11.83,15.94,{"v":16.3,"d":"16.30"},"-","-",{"v":23,"d":"23.00"},{"v":25.5,"d":"25.50"},25.25,{"v":27.5,"d":"27.50"},{"v":28.8,"d":"28.80"},{"v":30.5,"d":"30.50"},10.47,11.33]
[null,"Febrero",8.25,9.33,9.71,10.21,11.24,11.83,{"v":15.9,"d":"15.90"},{"v":16.3,"d":"16.30"},"-","-",{"v":23,"d":"23.00"},{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.28,{"v":30.5,"d":"30.50"},10.47,11.33]
[null,"Marzo",8.65,9.33,9.66,10.21,11.31,11.83,15.96,{"v":16.3,"d":"16.30"},"-","-",23.09,{"v":25.5,"d":"25.50"},25.66,{"v":27.5,"d":"27.50"},28.94,{"v":30.5,"d":"30.50"},10.55,11.33,{"$nulls":19},418]
[null,"Abril",8.34,9.33,9.63,10.21,11.28,11.83,15.88,{"v":16.3,"d":"16.30"},"-","-",23.08,{"v":25.5,"d":"25.50"},{"v":25.5,"d":"25.50"},{"v":27.5,"d":"27.50"},28.97,{"v":30.5,"d":"30.50"},10.56,11.33,{"$nulls":19},682]
[null,"Mayo (***)",8.34,9.33,9.63,10.21,11.28,11.83,15.88,{"v":16.3,"d":"16.30"},"-","-",23.08,{"v":25.5,"d":"25.50"},{"v":25.5,"d":"25.50"},{"v":27.5,"d":"27.50"},28.97,{"v":30.5,"d":"30.50"},10.56,11.33]
[null,"Junio",8.37,9.33,9.54,10.21,11.27,11.83,15.99,{"v":16.3,"d":"16.30"},"-","-",22.97,{"v":25.5,"d":"25.50"},25.24,{"v":27.5,"d":"27.50"},28.97,{"v":30.5,"d":"30.50"},10.38,11.33]
[null,"Julio (***)",8.37,9.33,9.54,10.21,11.27,11.83,15.99,{"v":16.3,"d":"16.30"},"-","-",22.97,{"v":25.5,"d":"25.50"},25.24,{"v":27.5,"d":"27.50"},28.97,{"v":30.5,"d":"30.50"},10.38,11.33]
[null,"Agosto (***)",8.37,9.33,9.54,10.21,11.27,11.83,15.99,{"v":16.3,"d":"16.30"},"-","-",22.97,{"v":25.5,"d":"25.50"},25.24,{"v":27.5,"d":"27.50"},28.97,{"v":30.5,"d":"30.50"},10.38,11.33]
[null,"Septiembre (***)",8.37,9.33,9.54,10.21,11.27,11.83,15.99,{"v":16.3,"d":"16.30"},"-","-",22.97,{"v":25.5,"d":"25.50"},25.24,{"v":27.5,"d":"27.50"},28.97,{"v":30.5,"d":"30.50"},10.38,11.33]
[null,"Octubre",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Noviembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Diciembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[]
[2012,"Enero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Febrero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Marzo (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Abril (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Mayo (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Junio (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Julio (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Agosto (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33,{"$nulls":18},217,-37]
[null,"Septiembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33,{"$nulls":18},543]
[null,"Octubre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Noviembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Diciembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[]
[2013,"Enero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Febrero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Marzo (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Abril (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Mayo (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Junio (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Julio (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Agosto (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Septiembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Octubre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Noviembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Diciembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[]
[2014,"Enero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Febrero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Marzo (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Abril (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},"-","-",22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Mayo",7.64,9.33,9.46,10.21,11.08,11.83,15.96,{"v":16.3,"d":"16.30"},"-","-",22.15,{"v":25.5,"d":"25.50"},{"v":25,"d":"25.00"},{"v":27.5,"d":"27.50"},{"v":28.4,"d":"28.40"},{"v":30.5,"d":"30.50"},10.92,11.33]
[null,"Junio ",8.19,9.33,9.54,10.21,11.28,11.83,15.99,{"v":16.3,"d":"16.30"},"-","-",22.16,{"v":25.5,"d":"25.50"},25.08,{"v":27.5,"d":"27.50"},28.54,{"v":30.5,"d":"30.50"},10.89,11.33]
[null,"Julio",8.21,9.33,9.65,10.21,11.26,11.83,15.98,{"v":16.3,"d":"16.30"},"-","-",22.24,{"v":25.5,"d":"25.50"},25.08,{"v":27.5,"d":"27.50"},28.53,{"v":30.5,"d":"30.50"},10.81,11.33]
[null,"Agosto ",8.16,9.33,9.68,10.21,10.97,11.83,15.95,{"v":16.3,"d":"16.30"},"-","-",22.49,{"v":25.5,"d":"25.50"},25.03,{"v":27.5,"d":"27.50"},28.44,{"v":30.5,"d":"30.50"},10.83,11.33]
[null,"Septiembre ",7.86,9.33,9.64,10.21,11.32,11.83,15.96,{"v":16.3,"d":"16.30"},"-","-",{"v":22.4,"d":"22.40"},{"v":25.5,"d":"25.50"},25.03,{"v":27.5,"d":"27.50"},28.51,{"v":30.5,"d":"30.50"},10.74,11.33]
[null,"Octubre ",8.34,9.33,9.64,10.21,11.22,11.83,15.97,{"v":16.3,"d":"16.30"},"-","-",22.14,{"v":25.5,"d":"25.50"},{"v":24.9,"d":"24.90"},{"v":27.5,"d":"27.50"},28.24,{"v":30.5,"d":"30.50"},10.73,11.33]
[null,"Noviembre ",8.13,9.33,9.52,10.21,10.99,11.83,15.96,{"v":16.3,"d":"16.30"},"-","-",22.42,{"v":25.5,"d":"25.50"},25.12,{"v":27.5,"d":"27.50"},28.47,{"v":30.5,"d":"30.50"},10.72,11.33]
[null,"Diciembre ",8.19,9.33,9.63,10.21,11.19,11.83,15.96,{"v":16.3,"d":"16.30"},"-","-",22.32,{"v":25.5,"d":"25.50"},25.16,{"v":27.5,"d":"27.50"},28.57,{"v":30.5,"d":"30.50"},10.73,11.33]
[]
[2015,"Enero",7.84,9.33,9.53,10.21,11.18,11.83,15.97,{"v":16.3,"d":"16.30"},"-","-",22.84,{"v":25.5,"d":"25.50"},25.41,{"v":27.5,"d":"27.50"},29.08,{"v":30.5,"d":"30.50"},10.71,11.33]
[null,"Febrero",7.41,9.33,9.48,10.21,{"v":11.1,"d":"11.10"},11.83,15.98,{"v":16.3,"d":"16.30"},"-","-",{"v":23.8,"d":"23.80"},{"v":25.5,"d":"25.50"},25.26,{"v":27.5,"d":"27.50"},29.35,{"v":30.5,"d":"30.50"},10.77,11.33]
[null,"Marzo",7.31,9.33,9.43,10.21,11.17,11.83,15.94,{"v":16.3,"d":"16.30"},"-","-",22.22,{"v":25.5,"d":"25.50"},25.02,{"v":27.5,"d":"27.50"},28.21,{"v":30.5,"d":"30.50"},10.61,11.33]
[null,"Abril",8.09,9.33,9.54,10.21,11.16,11.83,{"v":15.9,"d":"15.90"},{"v":16.3,"d":"16.30"},"-","-",22.18,{"v":25.5,"d":"25.50"},24.86,{"v":27.5,"d":"27.50"},28.02,{"v":30.5,"d":"30.50"},10.75,11.33]
[null,"Mayo",8.45,9.33,9.53,10.21,11.15,11.83,15.82,{"v":16.3,"d":"16.30"},"-","-",22.07,{"v":25.5,"d":"25.50"},24.67,{"v":27.5,"d":"27.50"},27.75,{"v":30.5,"d":"30.50"},10.76,11.33]
[null,"Junio",{"v":8.7,"d":"8.70"},9.33,9.78,10.21,11.16,11.83,15.84,{"v":16.3,"d":"16.30"},"-","-",22.02,{"v":25.5,"d":"25.50"},24.86,{"v":27.5,"d":"27.50"},27.47,{"v":30.5,"d":"30.50"},10.62,11.33]
[null,"Julio",8.54,9.33,9.78,10.21,{"v":11.1,"d":"11.10"},11.83,15.78,{"v":16.3,"d":"16.30"},"-","-",21.82,{"v":25.5,"d":"25.50"},24.98,{"v":27.5,"d":"27.50"},26.91,{"v":30.5,"d":"30.50"},10.62,11.33,4.88,4.99]
[]
[]
[]
["(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 entidad financiera supere los USD 1.000.000"]
[null," indiferentemente del monto 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 entidad 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 entidad 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 entidades financieras 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 "]
[null," cuya fuente de pago es el ingreso neto 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 micro empresarios 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 solidaria. Cuando el saldo adeudado en microcréditos con la entidad financiera "]
[null," supere los 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 microcréditos a la entidad financiera sea superior a USD 3.000 hasta USD 10.000, otorgadas a micro empresarios que registran un nivel de ventas o ingresos anuales inferior a USD 100.000 a trabajadores por cuenta propia, "]
[null,"o a un grupo de prestatarios con garantía solidaria."]
["(7)","Son aquellas operaciones de crédito cuyo monto por operación y saldo adeudado en microcréditos a la entidad financiera sea menor o igual a USD 3.000, otorgadas a micro empresarios que registran "]
[null,"un nivel de ventas anuales inferior a USD 100.000 a trabajadores por cuenta propia, o a un grupo de prestatarios con garantía 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 "]
[null," como operaciones de crédito productivo, 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 "]
[null,"semana completa  del mes en que entrará en vigencia, multiplicada por un factor."]
["(10)","Es el otorgado con garantía hipotecaria a personas naturales para la adquisición o construcción de vivienda única y de primer uso, concedido con la finalidad de transferir la cartera generada a un fideicomiso de titularización"]
[null," con participación del Banco Central del Ecuador o el sistema financiero público, cuyo valor comercial sea menor o igual a USD 70,000.00 y cuyo valor por metro cuadrado sea menor o igual a USD 890.00."]
["(*)","Promedio ponderado por monto, de las tasas de interés efectivas pactadas en las operaciones de crédito concedidas por las entidades del sistema financiero privado y de la economía popular y solidaria. La base de cálculo corresponderá a las tasas de interés efectivas convenidas en las "]
[null,"operaciones realizadas en las cuatro semanas precedentes a la última semana completa de cada mes."]
["(**)","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 atravéz de tarjetas de crédito."]
["(***)","El artículo 6, del Capítulo I \"Tasas de interés referenciales\", y el artículo 3 del Capítulo II \"Tasas de interés de cumplimiento obligatorio\", del título Sexto \"Sistema de Tasas de Interés\", de Libro I \"Política Monetaria - Crediticia\", de la Codificación de Regulaciones del Banco Central del Ecuador, establece que, "]
[null,"en caso de no determinarse las tasas de interés máximas por segmento, para el período mensual siguiente regirán las últimas tasas publicadas por el Banco Central del Ecuador."]
[]
["Fuente: Entidades Financieras Privadas"]

{"sheet":"1.3.3","index":4,"n_rows":58,"n_cols":34,"rows_kept":58,"merged":[[6,2,7,7],[6,8,7,9],[6,10,7,15],[6,16,7,17],[6,18,7,19],[6,20,7,21],[6,22,7,23],[6,24,7,25],[6,26,7,31],[6,32,7,33]],"flags":["formulas_cached_only"]}
[]
[]
[{"$nulls":3},"1.3.3 TASAS DE INTERÉS ACTIVAS EFECTIVAS  Y MÁXIMAS REFERENCIALES VIGENTES "]
[{"$nulls":3},"POR SEGMENTACIÓN DE LA CARTERA (desde agosto 2015)"]
[]
[]
[null,null,"Segmento Productivo",{"$nulls":5},"Segmento Comercial Ordinario",null,"Segmento Comercial Prioritario",{"$nulls":5},"Segmento Cosumo Ordinario",null,"Segmento Cosumo Prioritario",null,"Segmento Educativo",null,"Segmento Vivienda de Interés Público",null,"Segmento Inmobiliario",null,"Segmento Microcrédito",{"$nulls":5},"Segmento Inversión Pública"]
[]
["Período / Segmento",null,null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima"]
[null,null,"Productivo","Productivo","Productivo","Productivo","Productivo","Productivo","Comercial","Comercial","Prioritario","Prioritario","Prioritario","Prioritario","Prioritario","Prioritario","Consumo","Consumo","Consumo","Consumo","Educativo","Educativo","Vivienda de Interés ","Vivienda de Interés ","Inmobiliario (12) (*)","Inmobiliario (**)","Microcrédito","Microcrédito","Microcrédito","Microcrédito","Microcrédito ","Microcrédito","Inversión","Inversión"]
[null,null,"Corporativo (1) (*)","Corporativo (**)","Empresarial (2)(*)","Empresarial (**)","PYMES (3) (*)","PYMES (**)","Ordinario(4) (*)","Ordinario(**)","Corporativo (5) (*)","Corporativo (**)","Empresarial (6) (*)","Empresarial (**)","PYMES (7) (*)","PYMES (**)","Ordinario(8) (*)","Ordinario (**)","Prioritario(9) (*)","Prioritario (**)","(10) (*)","(**)","Público(11) (*)","Público (**)",null,null,"Minorista (13) (*)","Minorista (**)","acumulación ","acumulación","acumulación   ","acumulación ","Pública (16) (*)","Pública (**)"]
[{"$nulls":28},"simple (14) (*)","simple (**)","ampliada(15) (*)","ampliada (**)"]
[]
[]
[2015,"Agosto",null,9.33,null,10.21,null,11.83,null,11.83,null,9.33,null,10.21,null,11.83,null,{"v":16.3,"d":"16.30"},null,{"v":16.3,"d":"16.30"},null,{"v":9,"d":"9.00"},null,4.99,null,11.33,null,{"v":30.5,"d":"30.50"},null,{"v":27.5,"d":"27.50"},null,{"v":25.5,"d":"25.50"},null,9.33]
[null,"Septiembre",null,9.33,null,10.21,null,11.83,null,11.83,null,9.33,null,10.21,null,11.83,null,{"v":16.3,"d":"16.30"},null,{"v":16.3,"d":"16.30"},null,{"v":9,"d":"9.00"},null,4.99,null,11.33,null,{"v":30.5,"d":"30.50"},null,{"v":27.5,"d":"27.50"},null,{"v":25.5,"d":"25.50"},null,9.33]
[null,"Octubre",{"v":8.7,"d":"8.70"},9.33,{"v":9.7,"d":"9.70"},10.21,10.61,11.83,8.43,11.83,9.11,9.33,10.08,10.21,10.87,11.83,16.22,{"v":16.3,"d":"16.30"},16.04,{"v":16.3,"d":"16.30"},{"v":7.2,"d":"7.20"},{"v":9,"d":"9.00"},4.94,4.99,10.75,11.33,29.02,{"v":30.5,"d":"30.50"},26.95,{"v":27.5,"d":"27.50"},23.27,{"v":25.5,"d":"25.50"},8.01,9.33]
[null,"Noviembre",8.04,9.33,9.63,10.21,10.64,11.83,8.43,11.83,9.22,9.33,9.92,10.21,10.89,11.83,16.24,{"v":17.3,"d":"17.30"},16.03,"17.30   (2)",7.23,"9.50  (2)",4.98,4.99,10.76,11.33,29.16,{"v":30.5,"d":"30.50"},26.97,{"v":27.5,"d":"27.50"},24.12,{"v":25.5,"d":"25.50"},7.99,9.33]
[null,"Diciembre",{"v":9.2,"d":"9.20"},9.33,9.76,10.21,10.28,11.83,9.03,11.83,9.12,9.33,9.92,10.21,11.12,11.83,16.21,{"v":17.3,"d":"17.30"},{"v":16,"d":"16.00"},{"v":17.3,"d":"17.30"},7.11,{"v":9.5,"d":"9.50"},4.97,4.99,10.89,11.33,29.04,{"v":30.5,"d":"30.50"},{"v":26.9,"d":"26.90"},{"v":27.5,"d":"27.50"},24.25,{"v":25.5,"d":"25.50"},8.23,9.33]
[]
[2016,"Enero",9.32,9.33,9.53,10.21,{"v":11.8,"d":"11.80"},11.83,9.58,11.83,9.15,9.33,{"v":10,"d":"10.00"},10.21,11.26,11.83,16.25,{"v":17.3,"d":"17.30"},{"v":16.1,"d":"16.10"},{"v":17.3,"d":"17.30"},7.14,{"v":9.5,"d":"9.50"},4.98,4.99,10.88,11.33,27.96,{"v":30.5,"d":"30.50"},25.25,{"v":27.5,"d":"27.50"},22.13,{"v":25.5,"d":"25.50"},8.14,9.33]
[null,"Febrero",9.32,9.33,10.17,10.21,11.82,11.83,9.59,11.83,8.88,9.33,10.01,10.21,11.14,11.83,16.65,{"v":17.3,"d":"17.30"},16.59,{"v":17.3,"d":"17.30"},7.21,{"v":9.5,"d":"9.50"},4.98,4.99,10.89,11.33,27.63,{"v":30.5,"d":"30.50"},25.07,{"v":27.5,"d":"27.50"},22.02,{"v":25.5,"d":"25.50"},8.24,9.33]
[null,"Marzo",9.27,9.33,9.58,10.21,11.77,11.83,9.64,11.83,8.86,9.33,10.05,10.21,11.19,11.83,16.77,{"v":17.3,"d":"17.30"},16.52,{"v":17.3,"d":"17.30"},7.44,{"v":9.5,"d":"9.50"},4.98,4.99,10.89,11.33,27.41,{"v":30.5,"d":"30.50"},25.25,{"v":27.5,"d":"27.50"},22.05,{"v":25.5,"d":"25.50"},8.15,9.33]
[null,"Abril",9.31,9.33,10.16,10.21,10.28,11.83,{"v":9.5,"d":"9.50"},11.83,9.03,9.33,10.02,10.21,11.21,11.83,16.86,{"v":17.3,"d":"17.30"},16.58,{"v":17.3,"d":"17.30"},7.47,{"v":9.5,"d":"9.50"},4.98,4.99,10.89,11.33,26.59,{"v":30.5,"d":"30.50"},25.04,{"v":27.5,"d":"27.50"},22.11,{"v":25.5,"d":"25.50"},8.23,9.33]
[null,"Mayo",8.97,9.33,10.17,10.21,11.63,11.83,9.65,11.83,8.89,9.33,10.09,10.21,11.09,11.83,16.81,{"v":17.3,"d":"17.30"},16.71,{"v":17.3,"d":"17.30"},{"v":9.3,"d":"9.30"},{"v":9.5,"d":"9.50"},4.97,4.99,10.91,11.33,26.98,{"v":30.5,"d":"30.50"},{"v":25.3,"d":"25.30"},{"v":27.5,"d":"27.50"},22.21,{"v":25.5,"d":"25.50"},7.84,9.33]
[null,"Junio",9.31,9.33,9.96,10.21,11.33,11.83,9.34,11.83,8.66,9.33,9.82,10.21,{"v":11.1,"d":"11.10"},11.83,16.24,{"v":17.3,"d":"17.30"},{"v":15.9,"d":"15.90"},{"v":17.3,"d":"17.30"},9.31,{"v":9.5,"d":"9.50"},4.98,4.99,10.72,11.33,24.46,{"v":30.5,"d":"30.50"},23.85,{"v":27.5,"d":"27.50"},21.18,{"v":25.5,"d":"25.50"},8.32,9.33]
[null,"Julio",{"v":9.3,"d":"9.30"},9.33,10.12,10.21,11.82,11.83,9.43,11.83,8.67,9.33,9.98,10.21,11.16,11.83,16.44,{"v":17.3,"d":"17.30"},{"v":16.3,"d":"16.30"},{"v":17.3,"d":"17.30"},9.43,{"v":9.5,"d":"9.50"},4.98,4.99,10.78,11.33,24.96,{"v":30.5,"d":"30.50"},{"v":23.8,"d":"23.80"},{"v":27.5,"d":"27.50"},20.87,{"v":25.5,"d":"25.50"},8.23,9.33]
[null,"Agosto",9.02,9.33,10.03,10.21,11.66,11.83,9.67,11.83,8.21,9.33,9.99,10.21,11.33,11.83,{"v":16.7,"d":"16.70"},{"v":17.3,"d":"17.30"},16.72,{"v":17.3,"d":"17.30"},9.38,{"v":9.5,"d":"9.50"},4.97,4.99,10.91,11.33,26.77,{"v":30.5,"d":"30.50"},24.66,{"v":27.5,"d":"27.50"},21.35,{"v":25.5,"d":"25.50"},8.15,9.33]
[null,"Septiembre",9.32,9.33,8.67,10.21,11.34,11.83,9.56,11.83,8.78,9.33,10.06,10.21,11.31,11.83,{"v":16.9,"d":"16.90"},{"v":17.3,"d":"17.30"},{"v":16.7,"d":"16.70"},{"v":17.3,"d":"17.30"},{"v":9.5,"d":"9.50"},{"v":9.5,"d":"9.50"},4.96,4.99,10.91,11.33,27.01,{"v":30.5,"d":"30.50"},24.83,{"v":27.5,"d":"27.50"},21.31,{"v":25.5,"d":"25.50"},8.29,9.33]
[null,"Octubre",{"v":9,"d":"9.00"},9.33,10.13,10.21,10.92,11.83,9.34,11.83,8.71,9.33,9.97,10.21,11.35,11.83,16.94,{"v":17.3,"d":"17.30"},16.72,{"v":17.3,"d":"17.30"},{"v":9.5,"d":"9.50"},{"v":9.5,"d":"9.50"},4.98,4.99,10.94,11.33,26.69,{"v":30.5,"d":"30.50"},24.91,{"v":27.5,"d":"27.50"},{"v":21.3,"d":"21.30"},{"v":25.5,"d":"25.50"},8.01,9.33]
[null,"Noviembre",8.77,9.33,10.19,10.21,10.97,11.83,9.26,11.83,8.38,9.33,10.01,10.21,11.37,11.83,16.86,{"v":17.3,"d":"17.30"},16.81,{"v":17.3,"d":"17.30"},{"v":9.5,"d":"9.50"},{"v":9.5,"d":"9.50"},4.98,4.99,10.81,11.33,27.22,{"v":30.5,"d":"30.50"},25.03,{"v":27.5,"d":"27.50"},21.43,{"v":25.5,"d":"25.50"},8.18,9.33]
[null,"Diciembre",8.48,9.33,9.84,10.21,11.15,11.83,9.35,11.83,{"v":8.1,"d":"8.10"},9.33,9.92,10.21,{"v":11,"d":"11.00"},11.83,16.77,{"v":17.3,"d":"17.30"},16.69,{"v":17.3,"d":"17.30"},{"v":9.5,"d":"9.50"},{"v":9.5,"d":"9.50"},4.98,4.99,10.86,11.33,27.26,{"v":30.5,"d":"30.50"},25.15,{"v":27.5,"d":"27.50"},21.48,{"v":25.5,"d":"25.50"},8.19,9.33]
[]
[]
[]
["(1)","Operaciones de crédito productivo otorgadas a personas naturales obligadas a llevar contabilidad o personas jurídicas que registren ventas anuales superiores a USD 5,000,000.00."]
["(2)","Operaciones de crédito productivo otorgadas a personas naturales obligadas a llevar contabilidad personas jurídicas que registren ventas anuales superiores a USD 1,000,000.00 y hasta USD 5,000,000.00."]
["(3)","Operaciones de crédito productivo otorgadas a personas naturales obligadas a llevar contabilidad o a personas jurídicas que registren ventas anuales superiores a USD 100,000.00 y hasta USD 1,000,000.00."]
["(4)","Es el otorgado a personas naturales obligadas a llevar contabilidad o a personas jurídicas que registren ventas anuales superiores a USD 100,000.00, destinado a la adquisición o comercialización de vehículos livianos, incluyendo los que son para fines productivos y comerciales."]
["(5)","Operaciones de crédito comercial prioritario otorgadas a personas naturales obligadas a llevar contabilidad o personas jurídicas que registren ventas anuales superiores a USD 5,000,000.00."]
["(6)","Operaciones de crédito comercial prioritario otorgadas a personas naturales obligadas a llevar contabilidad o personas jurídicas que registren ventas anuales superiores a USD 1,000,000.00 y hasta USD 5,000,000.00."]
["(7)","Operaciones de crédito comercial prioritario otorgadas a personas naturales obligadas a llevar contabilidad o personas jurídicas cuyas ventas anuales sean superiores a USD 100,000.00 y hasta USD 1,000,000.00."]
["(8)","Es el otorgado a personas naturales destinados a la adquisición o comercialización de vehículos livianos de combustible fósil."]
["(9)","Es el otorgado a personas naturales, destinado a la compra de bienes, servicios o gastos no relacionados con una actividad productiva, comercial y otras compras y gastos no incluidos en el segmento de consumo ordinario, incluidos los créditos prendarios de joyas."]
["(10)","Operaciones de crédito otorgadas a personas naturales para su formación y capacitación profesional o técnica y a personas jurídicas para el financiamiento de formación y capacitación profesional o técnica de su talento humano, en ambos casos la formación y capacitación deberá ser debidamente acreditada por los órganos competentes."]
["(11)","Es el otorgado con garantía hipotecaria a personas naturales para la construcción, reparación, remodelación y mejora de inmuebles propios; para la adquisición de terrenos destinados a la construcción de vivienda propia; y, para la adquisición de vivienda terminada para uso del deudor y su familia no categorizada en el segmento de crédito Vivienda de Interés Público."]
["(12)","Operaciones de crédito de vivienda de interés público, con un valor comercial menor o igual a USD 70,000.00 y cuyo valor por metro cuadrado sea menor o igual a USD 890.00."]
["(13)","Operaciones otorgadas a solicitantes de crédito cuyo saldo adeudado en microcréditos a la entidad del Sistema Financiero Nacional sea superior a USD 10,000.00, incluyendo el monto de la operación solicitada."]
["(14)","Operaciones otorgadas a solicitantes de crédito cuyo saldo adeudado en microcréditos a la entidad del Sistema Financiero Nacional sea superior a USD 1,000.00 y hasta USD 10,000.00, incluyendo el monto de la operación solicitada."]
["(15)","Operaciones otorgadas a solicitantes de crédito cuyo saldo adeudado en microcréditos a la entidad del Sistema Financiero Nacional, sea menor o igual a USD 1,000.00, incluyendo el monto de la operación solicitada."]
["(16)","Destinado a financiar obras y servicios encaminados a la provisión de servicios públicos, cuya prestación es responsabilidad del Estado, se incluye en este segmento a las operaciones otorgadas a los Gobiernos Autónomos Descentralizados y otras entidades del sector público. "]
["(*)","Promedio ponderado por monto, de las tasas de interés efectivas pactadas en las operaciones de crédito concedidas por las entidades del sistema financiero privado y de la economía popular y solidaria. La base de cálculo corresponderá a las tasas de interés efectivas convenidas en las "]
[null,"operaciones realizadas en las cuatro semanas precedentes a la última semana completa de cada mes."]
["(**)","Las tasas de interés activas efectivas máximas para cada uno de los segmentos de la cartera de crédito de las entidades financieras, serán determinadas por la Junta de Política y Regulación Monetaria y Financiera."]
[]
[]
[]
["Fuente: Entidades Financieras Privadas"]