{"id":39509,"date":"2025-05-08T12:06:00","date_gmt":"2025-05-08T17:06:00","guid":{"rendered":"https:\/\/acl.com.ec\/?p=39509"},"modified":"2025-05-08T15:17:51","modified_gmt":"2025-05-08T20:17:51","slug":"por-que-cambian-cada-mes-las-tasas-de-interes-que-reporta-el-banco-central-del-ecuador","status":"publish","type":"post","link":"https:\/\/acl.com.ec\/en\/por-que-cambian-cada-mes-las-tasas-de-interes-que-reporta-el-banco-central-del-ecuador\/","title":{"rendered":"\u00bfPor qu\u00e9 cambian cada mes las tasas de inter\u00e9s que reporta el Banco Central del Ecuador?"},"content":{"rendered":"
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\u00bfPor qu\u00e9 cambian cada mes las tasas de inter\u00e9s que reporta el Banco Central del Ecuador?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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El Gobierno impone l\u00edmites a las tasas de inter\u00e9s que las instituciones financieras pueden cobrar.<\/span><\/p>

El Banco Central del Ecuador (BCE) lleva un registro semanal y mensual de las tasas de inter\u00e9s que aplican para los distintos segmentos de cr\u00e9dito e instrumentos de ahorro que ofrecen las instituciones financieras del pa\u00eds. Y est\u00e1 disponible en su sitio web.<\/span><\/p>

Sin embargo, los porcentajes que especifica el BCE en su reporte mensual no representan exactamente lo que bancos y cooperativas deben cobrar en inter\u00e9s, sino un promedio de la oferta de cr\u00e9dito de estas instituciones.<\/span><\/p>

Esta cifra se denomina tasa de inter\u00e9s activa referencial. Para mayo de 2025, por ejemplo, el BCE report\u00f3 un porcentaje de 8,72 % de inter\u00e9s para cr\u00e9ditos educativos.<\/span><\/p>

\u201cLa informaci\u00f3n para el c\u00e1lculo de tasas de inter\u00e9s efectivas referenciales para abril 2025 se toma en consideraci\u00f3n las semanas del 20 de febrero al 19 de marzo 2025 con una cobertura de 348 entidades financieras. Adem\u00e1s se excluyen todas las tasas de inter\u00e9s con las operaciones que est\u00e1n fuera del mercado\u201d, explica el documento.<\/span><\/p>

Eso significa que, para el cr\u00e9dito educativo, el BCE determina la tasa de inter\u00e9s activa referencial a partir de la oferta de 348 bancos y cooperativas del 20 de febrero al 19 de marzo.<\/span><\/p>

El BCE tambi\u00e9n reporta la tasa promedio que pagan bancos y cooperativas por dep\u00f3sitos a plazo fijo. Para abril pasado, por ejemplo, fue del 8,25 % para el plazo de 361 d\u00edas o m\u00e1s.<\/span><\/p>

Estas son las tasas de inter\u00e9s promedio por segmento de cr\u00e9dito para mayo<\/b><\/h5>

Segmento<\/b><\/p><\/td>

Tasa de inter\u00e9s activa referencial<\/b><\/p><\/td><\/tr>

Productivo corporativo<\/b><\/p><\/td>

8,34%<\/b><\/p><\/td><\/tr>

Productivo empresarial<\/b><\/p><\/td>

10,50%<\/b><\/p><\/td><\/tr>

Productivo pymes<\/b><\/p><\/td>

10,40%<\/b><\/p><\/td><\/tr>

Consumo<\/b><\/p><\/td>

15,95%<\/b><\/p><\/td><\/tr>

Educativo<\/b><\/p><\/td>

9,02%<\/b><\/p><\/td><\/tr>

Educativo social<\/b><\/p><\/td>

5,49%<\/b><\/p><\/td><\/tr>

Vivienda de inter\u00e9s p\u00fablico<\/b><\/p><\/td>

4,99%<\/b><\/p><\/td><\/tr>

Vivienda de inter\u00e9s social<\/b><\/p><\/td>

4,99%<\/b><\/p><\/td><\/tr>

Inmobiliario<\/b><\/p><\/td>

10,78%<\/b><\/p><\/td><\/tr>

Microcr\u00e9dito minorista<\/b><\/p><\/td>

21,10%<\/b><\/p><\/td><\/tr>

Microcr\u00e9dito de acumulaci\u00f3n simple<\/b><\/p><\/td>

21,36%<\/b><\/p><\/td><\/tr>

Microcr\u00e9dito de acumulaci\u00f3n ampliada<\/b><\/p><\/td>

18,64%<\/b><\/p><\/td><\/tr>

Inversi\u00f3n p\u00fablica<\/b><\/p><\/td>

\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 8,09%<\/b><\/p><\/td><\/tr><\/tbody><\/table>

Sin embargo, las instituciones financieras s\u00ed tienen topes establecidos por el Gobierno respecto de cu\u00e1nto pueden cobrar en inter\u00e9s por cr\u00e9ditos. Estos est\u00e1n fijados por la Junta de Pol\u00edtica y Regulaci\u00f3n Financiera. (I)<\/span><\/p>

Estas son las tasas de inter\u00e9s m\u00e1ximas que pueden cobrar las instituciones financieras<\/b><\/h5>

Segmento<\/span><\/p><\/td>

Tasa M\u00e1xima<\/span><\/p><\/td><\/tr>

Productivo corporativo<\/span><\/p><\/td>

10,73%<\/span><\/p><\/td><\/tr>

Productivo empresarial<\/span><\/p><\/td>

12,82%<\/span><\/p><\/td><\/tr>

Productivo pymes<\/span><\/p><\/td>

12,12%<\/span><\/p><\/td><\/tr>

Consumo<\/span><\/p><\/td>

16,77%<\/span><\/p><\/td><\/tr>

Educativo<\/span><\/p><\/td>

9,50%<\/span><\/p><\/td><\/tr>

Educativo social<\/span><\/p><\/td>

7,50%<\/span><\/p><\/td><\/tr>

Vivienda de inter\u00e9s p\u00fablico<\/span><\/p><\/td>

4,99%<\/span><\/p><\/td><\/tr>

Vivienda de inter\u00e9s social<\/span><\/p><\/td>

4,99%<\/span><\/p><\/td><\/tr>

Inmobiliario<\/span><\/p><\/td>

11,50%<\/span><\/p><\/td><\/tr>

Microcr\u00e9dito minorista<\/span><\/p><\/td>

28,23%<\/span><\/p><\/td><\/tr>

Microcr\u00e9dito de acumulaci\u00f3n simple<\/span><\/p><\/td>

24,89%<\/span><\/p><\/td><\/tr>

Microcr\u00e9dito de acumulaci\u00f3n ampliada<\/span><\/p><\/td>

22,05%<\/span><\/p><\/td><\/tr>

Inversi\u00f3n p\u00fablica<\/span><\/p><\/td>

9,33%<\/span><\/p><\/td><\/tr><\/tbody><\/table>

Fuente: El Universo<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Ante cualquier duda, comun\u00edquese con nosotros<\/p>

info@acl.com.ec
(+593) 99 734 9372<\/p>

\u00a1S\u00edganos en Redes Sociales!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Advertencia.<\/strong> El bolet\u00edn de ACL Auditores y Consultores Latam no es ni podr\u00e1 ser utilizado como asesor\u00eda u opini\u00f3n legal, en vista de que se trata de un documento netamente informativo<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\u00bfPor qu\u00e9 cambian cada mes las tasas de inter\u00e9s que reporta el Banco Central del Ecuador? El Gobierno impone l\u00edmites a las tasas de inter\u00e9s que las instituciones financieras pueden cobrar. El Banco Central del Ecuador (BCE) lleva un registro semanal y mensual de las tasas de inter\u00e9s que aplican para los distintos segmentos de […]<\/p>","protected":false},"author":4,"featured_media":39510,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[14,23,22,20],"tags":[],"class_list":["post-39509","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-noticias-acl","category-contabilidad","category-economia-finanzas","category-tributario","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/39509","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/comments?post=39509"}],"version-history":[{"count":7,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/39509\/revisions"}],"predecessor-version":[{"id":39518,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/39509\/revisions\/39518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media\/39510"}],"wp:attachment":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media?parent=39509"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/categories?post=39509"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/tags?post=39509"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}