Banco Central del Uruguay

Superintendencia de Servicios Financieros

Ley 18,212 de 19 de diciembre de 2007 Art. 340 de la R

Artículo 15, Ley 14.095 de 17.11.72, en la redacción dada Nueva Metodolog
por el artículo 3 del Decreto-Ley 14.887 de 27/04/79
Artículos 30 y 33 de la Ley 19210 de 29/04/2014.
Tasas Medias de Empresas de Intermediación Financiera

Indice

Moneda Nacional no Reajustable

Moneda Nacional Reajustable

Dólares USA
 Banco Central del Uruguay
Superintendencia de Servicios Financieros
Ley 18,212 de 19 de diciembre de 2007 Art. 340 de la R.N.R.C.S.F.
Artículo 15, Ley 14.095 de 17.11.72, en la redacción dada Nueva Metodología de Cálculo
por el artículo 3 del Decreto-Ley 14.887 de 27/04/79
Artículos 30 y 33 de la Ley 19210 de 29/04/2014.
Tasas Medias de Empresas de Intermediación Financiera

Moneda Nacional no reajustable

indice
Hasta 366 días 367 días o más
Fecha de Micro Empresas Familias - Consumo Micro Empresas Familias - Consumo
Fecha de con autorización descuento con autorización descuento
publicación Empresas Empresas
entrada en Pequeñas sin autorización descuento Pequeñas sin autorización descuento
en el Diario Grandes y ventas ventas < 10.000 UI >=10.000 UI Grandes y ventas ventas < 10.000 UI >=10.000 UI
vigencia Empresas Empresas
Oficial Medianas <500.000 UI >=500.000 UI Créd. Ret Créd. Ret Medianas <500.000 UI >=500.000 UI Crédito de Retención de Crédito de Retención de
Créd. Nómina Otros Créd. Nómina Otros < 10.000 UI >=10.000 UI Otros Otros < 10.000 UI >=10.000 UI
Haberes Haberes Nómina Haberes Nómina Haberes
Tasa media 13.71% 23.24% 28.34% 25.69% 34.01% 33.22% 91.04% 83.07% 15.10% 27.81% 39.11% 31.24% 34.67% 33.63% 90.29% 73.54%
capital Tope Tasa 21.2505% 36.0220% 43.9270% 39.8195% 40.8120% 44.2130% 52.7155% 39.8640% 43.1860% 51.4910% 141.1120% 128.7585% 23.4050% 43.1055% 60.6205% 48.4220% 41.6040% 45.0710% 53.7385% 40.3560% 43.7190% 52.1265% 139.9495% 113.9870%
23-Nov-2017 1-Dec-2017 <2.000.000 UI Tope Mora 24.6780% 41.8320% 51.0120% 46.2420% 61.2180% 59.7960% 163.8720% 149.5260% 27.1800% 50.0580% 70.3980% 56.2320% 62.4060% 60.5340% 162.5220% 132.3720%
capital Tope Tasa 26.0490% 44.1560% 53.8460% 48.8110% 39.8640% 43.1860% 63.1180% 157.8330% 28.6900% 52.8390% 74.3090% 59.3560% 40.3560% 43.7190% 63.8970% 139.7260%
>=2.000.000
UI Tope Mora 30.1620% 51.1280% 62.3480% 56.5180% 73.0840% 182.7540% 33.2200% 61.1820% 86.0420% 68.7280% 73.9860% 161.7880%
Tasa media 13.12% 23.03% 28.65% 25.67% 33.87% 33.35% 90.10% 83.62% 13.56% 28.30% 38.82% 33.19% 34.79% 33.62% 90.33% 74.33%
capital Tope Tasa 20.3360% 35.6965% 44.4075% 39.7885% 40.6440% 44.0310% 52.4985% 40.0200% 43.3550% 51.6925% 139.6550% 129.6110% 21.0180% 43.8650% 60.1710% 51.4445% 41.7480% 45.2270% 53.9245% 40.3440% 43.7060% 52.1110% 140.0115% 115.2115%
27-Dec-2017 1-Jan-2018 <2.000.000 UI Tope Mora 23.6160% 41.4540% 51.5700% 46.2060% 60.9660% 60.0300% 162.1800% 150.5160% 24.4080% 50.9400% 69.8760% 59.7420% 62.6220% 60.5160% 162.5940% 133.7940%
capital Tope Tasa 24.9280% 43.7570% 54.4350% 48.7730% 40.0200% 43.3550% 63.3650% 158.8780% 25.7640% 53.7700% 73.7580% 63.0610% 40.3440% 43.7060% 63.8780% 141.2270%
>=2.000.000
UI Tope Mora 28.8640% 50.6660% 63.0300% 56.4740% 73.3700% 183.9640% 29.8320% 62.2600% 85.4040% 73.0180% 73.9640% 163.5260%
Tasa media 13.05% 22.81% 27.60% 25.50% 31.95% 30.78% 91.80% 84.11% 15.88% 27.12% 39.58% 34.27% 33.09% 31.80% 94.69% 75.26%
capital Tope Tasa 20.2275% 35.3555% 42.7800% 39.5250% 38.3400% 41.5350% 49.5225% 36.9360% 40.0140% 47.7090% 142.2900% 130.3705% 24.6140% 42.0360% 61.3490% 53.1185% 39.7080% 43.0170% 51.2895% 38.1600% 41.3400% 49.2900% 146.7695% 116.6530%
25-Jan-2018 1-Feb-2018 <2.000.000 UI Tope Mora 23.4900% 41.0580% 49.6800% 45.9000% 57.5100% 55.4040% 165.2400% 151.3980% 28.5840% 48.8160% 71.2440% 61.6860% 59.5620% 57.2400% 170.4420% 135.4680%
capital Tope Tasa 24.7950% 43.3390% 52.4400% 48.4500% 36.9360% 40.0140% 58.4820% 159.8090% 30.1720% 51.5280% 75.2020% 65.1130% 38.1600% 41.3400% 60.4200% 142.9940%
>=2.000.000
UI Tope Mora 28.7100% 50.1820% 60.7200% 56.1000% 67.7160% 185.0420% 34.9360% 59.6640% 87.0760% 75.3940% 69.9600% 165.5720%
Tasa media 12.84% 22.67% 27.23% 25.57% 31.91% 30.91% 91.21% 85.01% 15.36% 27.49% 39.79% 35.51% 33.12% 31.83% 94.82% 75.66%
capital Tope Tasa 19.9020% 35.1385% 42.2065% 39.6335% 38.2920% 41.4830% 49.4605% 37.0920% 40.1830% 47.9105% 141.3755% 131.7655% 23.8080% 42.6095% 61.6745% 55.0405% 39.7440% 43.0560% 51.3360% 38.1960% 41.3790% 49.3365% 146.9710% 117.2730%
26-Feb-2018 1-Mar-2018 <2.000.000 UI Tope Mora 23.1120% 40.8060% 49.0140% 46.0260% 57.4380% 55.6380% 164.1780% 153.0180% 27.6480% 49.4820% 71.6220% 63.9180% 59.6160% 57.2940% 170.6760% 136.1880%
capital Tope Tasa 24.3960% 43.0730% 51.7370% 48.5830% 37.0920% 40.1830% 58.7290% 161.5190% 29.1840% 52.2310% 75.6010% 67.4690% 38.1960% 41.3790% 60.4770% 143.7540%
>=2.000.000
UI Tope Mora 28.2480% 49.8740% 59.9060% 56.2540% 68.0020% 187.0220% 33.7920% 60.4780% 87.5380% 78.1220% 70.0260% 166.4520%
 Banco Central del Uruguay
Superintendencia de Servicios Financieros
Ley 18,212 de 19 de diciembre de 2007 Art. 340 de la R.N.R.C.S.F.
Artículo 15, Ley 14.095 de 17.11.72, en la redacción dada Nueva Metodología de Cálculo
por el artículo 3 del Decreto-Ley 14.887 de 27/04/79
Artículos 30 y 33 de la Ley 19210 de 29/04/2014.
Tasas Medias de Empresas de Intermediación Financiera

Moneda Nacional Reajustable

indice
Unidades Indexadas U. R.
Fecha de Micro Empresas Familias - Consumo Familias - Vivienda
Fecha de con autorización descuento
publicación Empresas
entrada en Pequeñas sin autorización descuento con autorización descuento sin Familias -
en el Diario Grandes y ventas ventas < 10.000 UI >=10.000 UI
vigencia Empresas autorización Vivienda
Oficial Medianas <500.000 UI >=500.000 UI Créd. Ret Créd. Ret Créd. Ret
Créd. Nómina Otros Créd. Nómina Otros < 10.000 UI >=10.000 UI Créd. Nómina Otros descuento
Haberes Haberes Haberes
Tasa media 5.47% 8.44% 9.86% 8.97% 10.46% 11.40% 11.84% 11.15% 6.65% 7.09% 5.85%
capital Tope Tasa 8.4785% 13.0820% 15.2830% 13.9035% 12.5520% 13.5980% 16.2130% 13.6800% 14.8200% 17.6700% 18.3520% 17.2825% 7.9800% 8.6450% 10.3075% 10.9895% 9.0675%
23-Nov-2017 1-Dec-2017 <2.000.000 UI Tope Mora 9.8460% 15.1920% 17.7480% 16.1460% 18.8280% 20.5200% 21.3120% 20.0700% 11.9700% 12.7620% 10.5300%
capital Tope Tasa 10.3930% 16.0360% 18.7340% 17.0430% 13.6800% 14.8200% 21.6600% 21.1850% 7.9800% 8.6450% 12.6350% 13.4710% 11.1150%
>=2.000.000
UI Tope Mora 12.0340% 18.5680% 21.6920% 19.7340% 25.0800% 24.5300% 14.6300% 15.5980% 12.8700%
Tasa media 5.20% 8.63% 10.37% 9.03% 10.43% 11.40% 12.00% 11.37% 6.67% 7.04% 6.01%
capital Tope Tasa 8.0600% 13.3765% 16.0735% 13.9965% 12.5160% 13.5590% 16.1665% 13.6800% 14.8200% 17.6700% 18.6000% 17.6235% 8.0040% 8.6710% 10.3385% 10.9120% 9.3155%
27-Dec-2017 1-Jan-2018 <2.000.000 UI Tope Mora 9.3600% 15.5340% 18.6660% 16.2540% 18.7740% 20.5200% 21.6000% 20.4660% 12.0060% 12.6720% 10.8180%
capital Tope Tasa 9.8800% 16.3970% 19.7030% 17.1570% 13.6800% 14.8200% 21.6600% 21.6030% 8.0040% 8.6710% 12.6730% 13.3760% 11.4190%
>=2.000.000
UI Tope Mora 11.4400% 18.9860% 22.8140% 19.8660% 25.0800% 25.0140% 14.6740% 15.4880% 13.2220%
Tasa media 6.12% 9.43% 10.17% 8.77% 10.62% 11.39% 12.00% 11.37% 6.66% 6.97% 5.60%
capital Tope Tasa 9.4860% 14.6165% 15.7635% 13.5935% 12.7440% 13.8060% 16.4610% 13.6680% 14.8070% 17.6545% 18.6000% 17.6235% 7.9920% 8.6580% 10.3230% 10.8035% 8.6800%
25-Jan-2018 1-Feb-2018 <2.000.000 UI Tope Mora 11.0160% 16.9740% 18.3060% 15.7860% 19.1160% 20.5020% 21.6000% 20.4660% 11.9880% 12.5460% 10.0800%
capital Tope Tasa 11.6280% 17.9170% 19.3230% 16.6630% 13.6680% 14.8070% 21.6410% 21.6030% 7.9920% 8.6580% 12.6540% 13.2430% 10.6400%
>=2.000.000
UI Tope Mora 13.4640% 20.7460% 22.3740% 19.2940% 25.0580% 25.0140% 14.6520% 15.3340% 12.3200%
Tasa media 6.33% 8.21% 10.20% 9.27% 10.60% 11.26% 12.00% 11.67% 6.67% 6.94% 5.48%
capital Tope Tasa 9.8115% 12.7255% 15.8100% 14.3685% 12.7200% 13.7800% 16.4300% 13.5120% 14.6380% 17.4530% 18.6000% 18.0885% 8.0040% 8.6710% 10.3385% 10.7570% 8.4940%
26-Feb-2018 1-Mar-2018 <2.000.000 UI Tope Mora 11.3940% 14.7780% 18.3600% 16.6860% 19.0800% 20.2680% 21.6000% 21.0060% 12.0060% 12.4920% 9.8640%
capital Tope Tasa 12.0270% 15.5990% 19.3800% 17.6130% 13.5120% 14.6380% 21.3940% 22.1730% 8.0040% 8.6710% 12.6730% 13.1860% 10.4120%
>=2.000.000
UI Tope Mora 13.9260% 18.0620% 22.4400% 20.3940% 24.7720% 25.6740% 14.6740% 15.2680% 12.0560%
 Banco Central del Uruguay
Superintendencia de Servicios Financieros

Ley 18,212 de 19 de diciembre de 2007 Art. 340 de la R.N.R.C.S.F.

Artículo 15, Ley 14.095 de 17.11.72, en la redacción dada Nueva Metodología de Cálculo
por el artículo 3 del Decreto-Ley 14.887 de 27/04/79
Artículos 30 y 33 de la Ley 19210 de 29/04/2014.
Tasas Medias de Empresas de Intermediación Financiera

Dólares U.S.A.
indice

Fecha de Hasta 366 días 367 días o más

Fecha de Micro Empresas Familias - Consumo Micro Empresas Familias - Consumo
publicación Empresas Empresas Familias -
entrada en
en el Diario Grandes y Pequeñas ventas ventas Crédito de Retención de Grandes y Pequeñas ventas ventas Crédito de Retención de Vivienda
vigencia Otros Otros
Oficial Medianas <500.000 UI >=500.000 UI Nómina Haberes Medianas <500.000 UI >=500.000 UI Nómina Haberes
Tasa media 4.26% 5.80% 6.30% 6.56% 5.56% 5.19% 6.96% 9.88% 7.96% 9.94% 4.58%
capital Tope Tasa 6.6030% 8.9900% 9.7650% 10.1680% 6.6720% 7.2280% 8.6180% 8.0445% 10.7880% 15.3140% 12.3380% 11.9280% 12.9220% 15.4070% 7.0990%
23-Nov-2017 1-Dec-2017 <2.000.000 UI Tope Mora 7.6680% 10.4400% 11.3400% 11.8080% 10.0080% 9.3420% 12.5280% 17.7840% 14.3280% 17.8920% 8.2440%
capital Tope Tasa 8.0940% 11.0200% 11.9700% 12.4640% 6.6720% 7.2280% 10.5640% 9.8610% 13.2240% 18.7720% 15.1240% 11.9280% 12.9220% 18.8860% 8.7020%
>=2.000.000
UI Tope Mora 9.3720% 12.7600% 13.8600% 14.4320% 12.2320% 11.4180% 15.3120% 21.7360% 17.5120% 21.8680% 10.0760%
Tasa media 4.27% 5.81% 6.38% 6.57% 6.27% 5.09% 6.75% 9.74% 7.60% 9.84% 4.58%
capital Tope Tasa 6.6185% 9.0055% 9.8890% 10.1835% 7.5240% 8.1510% 9.7185% 7.8895% 10.4625% 15.0970% 11.7800% 11.8080% 12.7920% 15.2520% 7.0990%
27-Dec-2017 1-Jan-2018 <2.000.000 UI Tope Mora 7.6860% 10.4580% 11.4840% 11.8260% 11.2860% 9.1620% 12.1500% 17.5320% 13.6800% 17.7120% 8.2440%
capital Tope Tasa 8.1130% 11.0390% 12.1220% 12.4830% 7.5240% 8.1510% 11.9130% 9.6710% 12.8250% 18.5060% 14.4400% 11.8080% 12.7920% 18.6960% 8.7020%
>=2.000.000
UI Tope Mora 9.3940% 12.7820% 14.0360% 14.4540% 13.7940% 11.1980% 14.8500% 21.4280% 16.7200% 21.6480% 10.0760%
Tasa media 4.25% 5.94% 6.36% 6.48% 5.65% 5.09% 6.78% 9.24% 7.63% 9.71% 4.79%
capital Tope Tasa 6.5875% 9.2070% 9.8580% 10.0440% 6.7800% 7.3450% 8.7575% 7.8895% 10.5090% 14.3220% 11.8265% 11.6520% 12.6230% 15.0505% 7.4245%
25-Jan-2018 1-Feb-2018 <2.000.000 UI Tope Mora 7.6500% 10.6920% 11.4480% 11.6640% 10.1700% 9.1620% 12.2040% 16.6320% 13.7340% 17.4780% 8.6220%
capital Tope Tasa 8.0750% 11.2860% 12.0840% 12.3120% 6.7800% 7.3450% 10.7350% 9.6710% 12.8820% 17.5560% 14.4970% 11.6520% 12.6230% 18.4490% 9.1010%
>=2.000.000
UI Tope Mora 9.3500% 13.0680% 13.9920% 14.2560% 12.4300% 11.1980% 14.9160% 20.3280% 16.7860% 21.3620% 10.5380%
Tasa media 4.24% 6.02% 6.41% 6.60% 6.26% 4.98% 7.06% 8.89% 7.67% 9.79% 5.11%
capital Tope Tasa 6.5720% 9.3310% 9.9355% 10.2300% 7.5120% 8.1380% 9.7030% 7.7190% 10.9430% 13.7795% 11.8885% 11.7480% 12.7270% 15.1745% 7.9205%
26-Feb-2018 1-Mar-2018 <2.000.000 UI Tope Mora 7.6320% 10.8360% 11.5380% 11.8800% 11.2680% 8.9640% 12.7080% 16.0020% 13.8060% 17.6220% 9.1980%
capital Tope Tasa 8.0560% 11.4380% 12.1790% 12.5400% 7.5120% 8.1380% 11.8940% 9.4620% 13.4140% 16.8910% 14.5730% 11.7480% 12.7270% 18.6010% 9.7090%
>=2.000.000
UI Tope Mora 9.3280% 13.2440% 14.1020% 14.5200% 13.7720% 10.9560% 15.5320% 19.5580% 16.8740% 21.5380% 11.2420%