Tasas de captación semanales - DTF, CDT 180 días, CDT 360 días y TCC
[Link].1. Para un rango de fechas dado_periodicidad semanal
Información disponible a partir de enero de 1984
para DTF y TCC, y para CDT 180 y CDT 360 desde
julio de 1993.
Tanto las columnas como las filas de la(s)
tabla(s) de datos de los reportes pueden ser
ordenadas haciendo “click” sobre los iconos
◄►▲▼ en el encabezado de las mismas.
Tasa de interés - efectiva anua
Vigencia desde (dd/mm/aaaa) Vigencia hasta (dd/mm/aaaa) DTF
3/11/2019 3/17/2019 4.64%
3/4/2019 3/10/2019 4.63%
2/25/2019 3/3/2019 4.57%
2/18/2019 2/24/2019 4.54%
2/11/2019 2/17/2019 4.50%
2/4/2019 2/10/2019 4.54%
1/28/2019 2/3/2019 4.62%
1/21/2019 1/27/2019 4.56%
1/14/2019 1/20/2019 4.51%
1/7/2019 1/13/2019 4.56%
12/31/2018 1/6/2019 4.54%
12/24/2018 12/30/2018 4.51%
12/17/2018 12/23/2018 4.55%
12/10/2018 12/16/2018 4.54%
12/3/2018 12/9/2018 4.43%
11/26/2018 12/2/2018 4.42%
11/19/2018 11/25/2018 4.47%
11/12/2018 11/18/2018 4.35%
11/5/2018 11/11/2018 4.41%
10/29/2018 11/4/2018 4.41%
10/22/2018 10/28/2018 4.42%
10/15/2018 10/21/2018 4.38%
10/8/2018 10/14/2018 4.56%
10/1/2018 10/7/2018 4.48%
9/24/2018 9/30/2018 4.51%
9/17/2018 9/23/2018 4.51%
9/10/2018 9/16/2018 4.59%
9/3/2018 9/9/2018 4.54%
8/27/2018 9/2/2018 4.50%
8/20/2018 8/26/2018 4.54%
8/13/2018 8/19/2018 4.51%
8/6/2018 8/12/2018 4.56%
7/30/2018 8/5/2018 4.58%
7/23/2018 7/29/2018 4.59%
7/16/2018 7/22/2018 4.52%
7/9/2018 7/15/2018 4.60%
7/2/2018 7/8/2018 4.66%
6/25/2018 7/1/2018 4.56%
6/18/2018 6/24/2018 4.57%
6/11/2018 6/17/2018 4.60%
6/4/2018 6/10/2018 4.68%
5/28/2018 6/3/2018 4.65%
5/21/2018 5/27/2018 4.70%
5/14/2018 5/20/2018 4.69%
5/7/2018 5/13/2018 4.85%
4/30/2018 5/6/2018 4.92%
4/23/2018 4/29/2018 4.88%
4/16/2018 4/22/2018 4.91%
4/9/2018 4/15/2018 4.94%
4/2/2018 4/8/2018 4.89%
3/26/2018 4/1/2018 5.00%
3/19/2018 3/25/2018 4.99%
3/12/2018 3/18/2018 4.99%
3/5/2018 3/11/2018 5.10%
Fuente: cálculos Banco de la República con información proveniente de la Superintendencia Financiera ([Link]
Notas:
La tasa DTF se refiere a la tasa promedio ponderada por monto de las captaciones por CDT a 90 días pa
Hasta diciembre de 1988 los cálculos se realizan con base en la encuesta a bancos y corporaciones fin
(-) Indica que no hay dato disponible.
Banco de la República - Gerencia Técnica - información extraída de la bodega de datos -Serankua- el 12/03/2019 11
Tasa de interés - efectiva anual 3/5/2018 3/11/2018
CDT 180 CDT 360 TCC 4/2/2018 4/8/2018
4.89% 5.57% 5.09% 5/7/2018 5/13/2018
4.92% 5.62% 3.85% 6/4/2018 6/10/2018
4.86% 5.64% 3.85% 7/2/2018 7/8/2018
4.91% 5.61% 3.85% 8/6/2018 8/12/2018
4.79% 5.57% 5.00% 9/3/2018 9/9/2018
4.84% 5.59% 5.10% 10/1/2018 10/7/2018
4.84% 5.56% 3.85% 11/5/2018 11/11/2018
4.80% 5.55% 3.85% 12/3/2018 12/9/2018
4.85% 5.33% 4.13% 1/7/2019 1/13/2019
4.89% 5.45% 3.85% 2/4/2019 2/10/2019
4.84% 5.16% 4.93% 3/4/2019 3/10/2019
4.81% 5.41% 3.87%
4.86% 5.31% 4.81%
4.73% 5.24% 4.74%
4.81% 5.24% 4.00%
4.70% 5.10% 4.00%
4.69% 5.12% 4.00%
4.68% 5.18% 4.00%
4.82% 5.11% 4.00%
4.73% 5.08% 4.00%
4.68% 5.05% 4.00%
4.69% 5.12% 4.16%
4.72% 5.12% 4.00%
4.74% 5.07% 4.00%
4.73% 5.19% 4.00%
4.74% 5.16% 4.59%
4.75% 5.28% 4.00%
4.77% 5.11% 4.00%
4.70% 5.14%
4.71% 5.22% 4.00%
4.68% 5.24% 4.00%
4.71% 5.11% 4.00%
4.72% 5.22% 4.00%
4.74% 5.22% 4.00%
4.73% 5.25% 4.20%
4.73% 5.15% 4.25%
4.89% 5.14% 4.00%
4.95% 5.26% 4.00%
4.83% 5.18% 4.59%
4.82% 5.21% 4.00%
4.89% 5.33% 4.00%
5.00% 5.18% 4.00%
4.98% 5.20% 4.00%
5.01% 5.32% 4.00%
5.05% 5.33% 4.00%
5.12% 5.36% 4.00%
5.18% 5.30% 4.00%
5.17% 5.50% 5.08%
5.25% 5.55% 5.05%
5.23% 5.53% 4.00%
5.24% 5.63% 4.00%
5.23% 5.65% 4.00%
5.27% 5.75% 4.00%
5.35% 5.81% 4.00%
encia Financiera ([Link]
las captaciones por CDT a 90 días para los Bancos, corporaciones y c
cuesta a bancos y corporaciones financieras Oficina Principal de Sa
de datos -Serankua- el 12/03/2019 [Link]
5.10%
4.89%
4.85%
4.68%
4.66%
4.56%
4.54%
4.48%
4.41%
4.43%
4.56%
4.54%
4.63%
3/11/2019 3/17/2019 4.64%
2/25/2019 3/3/2019 4.57%
1/28/2019 2/3/2019 4.62%
12/31/2018 1/6/2019 4.54%
11/26/2018 12/2/2018 4.42%
10/29/2018 11/4/2018 4.41%
9/24/2018 9/30/2018 4.51%
8/27/2018 9/2/2018 4.50%
7/30/2018 8/5/2018 4.58%
6/25/2018 7/1/2018 4.56%
5/28/2018 6/3/2018 4.65%
4/30/2018 5/6/2018 4.92%
3/26/2018 4/1/2018 5.00%
PRÉSTAMO
TASA
PLAZO
CUOTAS MENSUALES UNIFORMES
PERIODO (MESES) FECHA TASA DTF EA
12 3/11/2019 4.64%
11 2/25/2019 4.57%
10 1/28/2019 4.62%
9 12/31/2018 4.54%
8 11/26/2018 4.42%
7 10/29/2018 4.41%
6 9/24/2018 4.51%
5 8/27/2018 4.50%
4 7/30/2018 4.58%
3 6/25/2018 4.56%
2 5/28/2018 4.65%
1 4/30/2018 4.92%
0 3/26/2018 5.00%
PRÉSTAMO
TASA
PLAZO
CUOTAS TRIMESTRALES UNIFORMES
DTF
PERIODO FECHA TASA DTF EA
(TRIMESTRAL)
0 3/5/2018 5.10%
1 4/2/2018 4.89%
2 5/7/2018 4.85%
3 6/4/2018 4.68%
4 7/2/2018 4.66%
5 8/6/2018 4.56%
6 9/3/2018 4.54%
7 10/1/2018 4.48%
8 11/5/2018 4.41%
EJERCICIO 1
12,000,000.00
DTF NATV + 3 PUNTOS Solución: La cuota fija encontrada es de
1 AÑO
NSUALES UNIFORMES
PASO 1
1. Convertir tasas a NATV
TASA DTF EA TASA DTF NATV TASA DTF NATV + 3% TASA DTF EA
4.64% 4.56% 7.56% 7.78%
4.57% 4.49% 7.49% 7.71%
4.62% 4.54% 7.54% 7.76%
4.54% 4.46% 7.46% 7.68%
4.42% 4.35% 7.35% 7.55%
4.41% 4.34% 7.34% 7.54%
4.51% 4.44% 7.44% 7.65%
4.50% 4.43% 7.43% 7.64%
4.58% 4.50% 7.50% 7.72%
4.56% 4.48% 7.48% 7.70%
4.65% 4.57% 7.57% 7.79%
4.92% 4.83% 7.83% 8.06%
5.00% 4.91% 7.91% 8.15%
2. Tabla de amortización
PERIODO SALDO INICIAL INTERES ABONO A CAPITAL
(MESES)
12 12,000,000.00 0.00 0.00
11 12,000,000.00 77,811.82 963,158.10
10 11,036,841.90 69,198.94 971,770.97
9 10,065,070.93 62,385.31 978,584.60
8 9,086,486.33 56,464.50 984,505.41
7 8,101,980.92 49,830.63 991,139.29
6 7,110,841.63 43,791.33 997,178.58
5 6,113,663.05 37,163.22 1,003,806.69
4 5,109,856.36 31,102.10 1,009,867.82
3 4,099,988.55 25,347.27 1,015,622.65
2 3,084,365.90 19,264.79 1,021,705.12
1 2,062,660.78 12,801.20 1,028,168.71
0 1,034,492.07 6,477.84 1,034,492.07
491,638.94
EJERCICIO 2
22,000,000.00
DTF EA + 4,5% PUNTOS
2 AÑOS
MESTRALES UNIFORMES
DEL PRIMER DÍA DE CADA MES
PASO 1
1. Convertir tasas a NATV
TASA DTF EA TASA DTF EA + 4,5% TASA DTF NATV
5.10% 9.60% 9.27%
4.89% 9.39% 9.08%
4.85% 9.35% 9.04%
4.68% 9.18% 8.88%
4.66% 9.16% 8.86%
4.56% 9.06% 8.77%
4.54% 9.04% 8.75%
4.48% 8.98% 8.69%
4.41% 8.91% 8.63%
2. Tabla de amortización
CON CUOTA FIJA
PERIODO SALDO INICIAL INTERES ABONO A CAPITAL
(MESES)
0 22,000,000.00 0.00 0.00
1 22,000,000.00 499,200.53 2,533,662.54
2 19,466,337.46 439,889.19 2,592,973.87
3 16,873,363.59 374,584.54 2,658,278.53
4 14,215,085.06 314,905.91 2,717,957.15
5 11,497,127.90 252,002.83 2,780,860.24
6 8,716,267.67 190,641.41 2,842,221.65
7 5,874,046.01 127,650.70 2,905,212.37
8 2,968,833.64 64,029.42 2,968,833.64
2,262,904.53
CON ABONO A CAPITAL FIJO
PERIODO SALDO INICIAL INTERES ABONO A CAPITAL
(MESES)
0 22,000,000.00 0.00 0.00
1 22,000,000.00 499,200.53 2,750,000.00
2 19,250,000.00 435,000.52 2,750,000.00
3 16,500,000.00 366,295.96 2,750,000.00
4 13,750,000.00 304,602.91 2,750,000.00
5 11,000,000.00 241,106.40 2,750,000.00
6 8,250,000.00 180,443.25 2,750,000.00
7 5,500,000.00 119,522.19 2,750,000.00
8 2,750,000.00 59,309.79 2,750,000.00
2,205,481.55
1,040,969.91
TASA DTF NAMV TASA DTF MENSUAL TASA DTF MENSUAL
7.51% 0.63% 0.65%
7.45% 0.62% 0.65%
7.50% 0.62% 0.63%
7.42% 0.62% 0.62%
7.30% 0.61% 0.62%
7.29% 0.61% 0.62%
7.39% 0.62% 0.62%
7.38% 0.62% 0.61%
7.46% 0.62% 0.61%
7.44% 0.62% 0.62%
7.52% 0.63% 0.62%
7.78% 0.65% 0.62%
7.86% 0.65% 0.63%
CUOTA SALDO FINAL
0.00 12,000,000.00
1,040,969.91 11,036,841.90
1,040,969.91 10,065,070.93
1,040,969.91 9,086,486.33
1,040,969.91 8,101,980.92
1,040,969.91 7,110,841.63
1,040,969.91 6,113,663.05
1,040,969.91 5,109,856.36
1,040,969.91 4,099,988.55
1,040,969.91 3,084,365.90
1,040,969.91 2,062,660.78
1,040,969.91 1,034,492.07
1,040,969.91 0.00
TASA DTF TRIMESTRAL
2.32%
2.27%
2.26%
2.22%
2.22%
2.19%
2.19%
2.17%
2.16%
CUOTA SALDO FINAL
0.00 22,000,000.00
3,032,863.07 19,466,337.46
3,032,863.07 16,873,363.59
3,032,863.07 14,215,085.06
3,032,863.07 11,497,127.90
3,032,863.07 8,716,267.67
3,032,863.07 5,874,046.01
3,032,863.07 2,968,833.64
3,032,863.07 0.00
CUOTA SALDO FINAL
0.00 22,000,000.00
3,249,200.53 19,250,000.00
3,185,000.52 16,500,000.00
3,116,295.96 13,750,000.00
3,054,602.91 11,000,000.00
2,991,106.40 8,250,000.00
2,930,443.25 5,500,000.00
2,869,522.19 2,750,000.00
2,809,309.79 0.00
PERIODOS DE GRACIA
Dividido en dos
1. PERIODO DE GRACIA = Paga intereses y no abona a capital.
2. PERIODO MUERTO = No paga intereses, los queda debiendo y no abona a capital. La
EJERCICIO 1 PERIODO DE GR
TASA 1.20% MENSUAL
PLAZO 1 AÑO
PRÉSTAMO 12,000,000.00
PERIODO DE GRACIA DE 4 MESES
PERIODO SALDO INICIAL
(MESES)
0 12,000,000.00
1 12,000,000.00
2 12,000,000.00
3 12,000,000.00
4 12,000,000.00
5 12,000,000.00
6 10,561,872.92
7 9,106,488.32
8 7,633,639.11
9 6,143,115.70
10 4,634,706.01
11 3,108,195.41
12 1,563,366.68
EJERCICIO 1 PERIODO MUER
TASA 1.20% MENSUAL
PLAZO 1 AÑO
PRÉSTAMO 12,000,000.00
PERIODO DE GRACIA DE 4 MESES
PERIODO SALDO INICIAL
(MESES)
0 12,000,000.00
1 12,000,000.00
2 12,144,000.00
3 12,289,728.00
4 12,437,204.74
5 12,586,451.19
6 11,078,041.51
7 9,551,530.90
8 8,006,702.17
9 6,443,335.49
10 4,861,208.42
11 3,260,095.82
12 1,639,769.86
o y no abona a capital. La deuda va creciendo hasta que finaliza el periodo muerto.
RCICIO 1 PERIODO DE GRACIA
OJO: CUANDO NO DICE NADA, LA CUOTA ES FIJA.
ABONO A
INTERES CUOTA SALDO FINAL
CAPITAL
0.00 0.00 0.00 12,000,000.00
144,000.00 0.00 144,000.00 12,000,000.00
Este es el periodo de
144,000.00 0.00 144,000.00 12,000,000.00 gracia
144,000.00 0.00 144,000.00 12,000,000.00
144,000.00 0.00 144,000.00 12,000,000.00
144,000.00 1,438,127.08 ### 10,561,872.92
126,742.48 1,455,384.60 ### 9,106,488.32
109,277.86 1,472,849.22 ### 7,633,639.11 A partir de este
91,603.67 1,490,523.41 ### 6,143,115.70 momento, si disminuye
el capital, pues hay
73,717.39 1,508,409.69 ### 4,634,706.01 abono a capital y una
55,616.47 1,526,510.60 ### 3,108,195.41 cuota fija.
37,298.34 1,544,828.73 ### 1,563,366.68
18,760.40 1,563,366.68 ### 0.00
RCICIO 1 PERIODO MUERTO
OJO: CUANDO NO DICE NADA, LA CUOTA ES FIJA.
ABONO A
INTERES CUOTA SALDO FINAL
CAPITAL
0.00 0.00 0.00 12,000,000.00
144,000.00 0.00 0.00 12,144,000.00 OJO= Aquí la fórmula
Este es el periodo cambia. El saldo final es
145,728.00 0.00 0.00 12,289,728.00 MUERTO EL SALDO INICIAL +
147,476.74 0.00 0.00 12,437,204.74 INTERES, PORQUE NO SE
149,246.46 0.00 0.00 12,586,451.19 HACEN ABONOS.
151,037.41 1,508,409.69 ### 11,078,041.51
132,936.50 1,526,510.60 ### 9,551,530.90
Aquí la deuda aumento,
114,618.37 1,544,828.73 ### 8,006,702.17 pero a partir de este
96,080.43 1,563,366.68 ### 6,443,335.49 momento, si disminuye
77,320.03 1,582,127.08 ### 4,861,208.42 el capital, pues hay
abono a capital y una
58,334.50 1,601,112.60 ### 3,260,095.82 cuota fija.
39,121.15 1,620,325.95 ### 1,639,769.86
19,677.24 1,639,769.86 ### 0.00
