HISTÓRICO DEL IPC

Nota: Las tasas son expresadas en terminos Nominal Anual Mes Vencido, a partir del año 2012(2011) el ICETEX indexa la variable macroeconomica IPC y para el año 2021
modificación financiera en la sumatoria de los puntos efectivos.

Indice en Signature 1 3 4 6 7 8 9 10 11
AÑO IPC EFECTIVA N.A.M.V. IPC IPC+2 IPC+3 IPC+4 IPC+4,9 IPC+5 IPC+5,5 IPC+6 IPC+6,5

1990 32.39% 28.39% 28.39% 29.92% 30.68% 31.44% 32.11% 32.19% 32.56% 32.93% 33.31%
1991 26.82% 24.00% 24.00% 25.59% 26.38% 27.17% 27.87% 27.95% 28.33% 28.72% 29.11%
1992 25.14% 22.64% 22.64% 24.25% 25.05% 25.85% 26.56% 26.64% 27.03% 27.42% 27.81%
1993 22.61% 20.56% 20.56% 22.20% 23.02% 23.83% 24.55% 24.63% 25.03% 25.43% 25.82%
1994 22.59% 20.54% 20.54% 22.19% 23.00% 23.81% 24.53% 24.61% 25.01% 25.41% 25.81%
1995 19.46% 17.91% 17.91% 19.60% 20.43% 21.26% 22.00% 22.08% 22.49% 22.90% 23.30%
1996 21.63% 19.74% 19.74% 21.40% 22.22% 23.04% 23.76% 23.84% 24.25% 24.65% 25.05%
1997 17.68% 16.39% 16.39% 18.10% 18.95% 19.78% 20.53% 20.62% 21.03% 21.44% 21.85%
1998 16.70% 15.54% 15.54% 17.27% 18.12% 18.96% 19.72% 19.80% 20.22% 20.63% 21.05%
1999 9.23% 8.86% 8.86% 10.69% 11.59% 12.49% 13.29% 13.38% 13.82% 14.26% 14.70%
2000 8.75% 8.42% 8.42% 10.25% 11.16% 12.06% 12.86% 12.95% 13.40% 13.84% 14.28%
2001 7.65% 7.39% 7.39% 9.25% 10.16% 11.07% 11.88% 11.97% 12.42% 12.86% 13.31%
2002 6.99% 6.78% 6.78% 8.64% 9.56% 10.47% 11.29% 11.38% 11.83% 12.28% 12.72%
2003 6.49% 6.30% 6.30% 8.18% 9.10% 10.02% 10.84% 10.93% 11.38% 11.83% 12.28%
2004 5.50% 5.37% 5.37% 7.25% 8.19% 9.11% 9.93% 10.03% 10.48% 10.93% 11.39%
2005 4.85% 4.75% 4.75% 6.64% 7.58% 8.51% 9.34% 9.43% 9.89% 10.35% 10.80%
2006 4.48% 4.39% 4.39% 6.30% 7.24% 8.17% 9.00% 9.09% 9.55% 10.01% 10.46%
2007 5.69% 5.55% 5.55% 7.43% 8.36% 9.28% 10.11% 10.20% 10.65% 11.11% 11.56%
2008 7.67% 7.41% 7.41% 9.27% 10.18% 11.09% 11.90% 11.99% 12.44% 12.88% 13.33%
2009 2.00% 1.98% 1.98% 3.93% 4.89% 5.84% 6.69% 6.78% 7.25% 7.72% 8.19%
2010 3.17% 3.12% 3.12% 5.05% 6.00% 6.94% 7.79% 7.88% 8.34% 8.81% 9.27%
2011 3.73% 3.67% 3.67% 5.58% 6.53% 7.47% 8.31% 8.40% 8.86% 9.32% 9.78%
2012 2.44% 2.41% 2.41% 4.35% 5.31% 6.26% 7.10% 7.20% 7.66% 8.13% 8.59%
2013 1.94% 1.92% 1.92% 3.87% 4.83% 5.78% 6.63% 6.73% 7.20% 7.66% 8.13%
2014 3.66% 3.60% 3.60% 5.52% 6.46% 7.40% 8.24% 8.33% 8.80% 9.26% 9.72%
2015 6.77% 6.57% 6.57% 8.44% 9.36% 10.27% 11.09% 11.18% 11.63% 12.08% 12.53%
2016 5.75% 5.60% 5.60% 7.49% 8.42% 9.34% 10.16% 10.25% 10.71% 11.16% 11.61%
2017 4.09% 4.02% 4.02% 5.93% 6.87% 7.80% 8.64% 8.73% 9.19% 9.65% 10.11%
2018 3.18% 3.13% 3.13% 5.06% 6.01% 6.95% 7.80% 7.89% 8.35% 8.81% 9.28%
2019 3.80% 3.74% 3.74% 5.65% 6.60% 7.53% 8.37% 8.46% 8.93% 9.39% 9.84%
2020 1.61% 1.60% 1.60% 3.58% 4.56% 5.53% 6.40% 6.49% 6.97% 7.45% 7.92%
2021 5.62% 5.48% 5.48% 7.47% 8.45% 9.43% 10.30% 10.39% 10.87% 11.35% 11.82%
RICO DEL IPC
economica IPC y para el año 2021 (2020) la sumatoria de puntos efectivos se realiza

12 13 14 15 16 17 2
IPC+7 IPC+7,5 IPC+8 IPC+9 IPC+10 IPC+11 IPC+12

33.67% 34.04% 34.41% 35.14% 35.87% 36.59% 37.30%

29.49% 29.87% 30.25% 31.01% 31.76% 32.51% 33.25%
28.20% 28.58% 28.97% 29.73% 30.50% 31.25% 32.00%
26.22% 26.61% 27.00% 27.78% 28.56% 29.33% 30.09%
26.20% 26.60% 26.99% 27.77% 28.54% 29.31% 30.08%
23.71% 24.11% 24.51% 25.31% 26.10% 26.89% 27.67%
25.44% 25.84% 26.23% 27.02% 27.80% 28.57% 29.34%
22.26% 22.67% 23.08% 23.88% 24.69% 25.48% 26.27%
21.46% 21.87% 22.28% 23.09% 23.90% 24.70% 25.50%
15.13% 15.57% 16.00% 16.86% 17.72% 18.57% 19.41%
14.72% 15.15% 15.59% 16.45% 17.31% 18.16% 19.00%
13.75% 14.19% 14.63% 15.50% 16.36% 17.22% 18.07%
13.17% 13.61% 14.05% 14.93% 15.79% 16.66% 17.51%
12.72% 13.17% 13.61% 14.49% 15.36% 16.23% 17.09%
11.84% 12.28% 12.73% 13.62% 14.50% 15.37% 16.24%
11.25% 11.70% 12.15% 13.04% 13.93% 14.80% 15.67%
10.92% 11.37% 11.82% 12.71% 13.60% 14.48% 15.35%
12.01% 12.45% 12.90% 13.78% 14.66% 15.53% 16.40%
13.77% 14.21% 14.65% 15.52% 16.38% 17.24% 18.09%
8.65% 9.11% 9.57% 10.48% 11.39% 12.28% 13.17%
9.72% 10.18% 10.64% 11.54% 12.44% 13.33% 14.21%
10.24% 10.69% 11.14% 12.04% 12.93% 13.82% 14.70%
9.05% 9.51% 9.97% 10.88% 11.78% 12.68% 13.56%
8.59% 9.05% 9.51% 10.43% 11.33% 12.23% 13.12%
10.17% 10.63% 11.08% 11.98% 12.87% 13.76% 14.64%
12.97% 13.41% 13.86% 14.73% 15.60% 16.47% 17.33%
12.06% 12.51% 12.95% 13.84% 14.72% 15.59% 16.45%
10.56% 11.02% 11.47% 12.36% 13.25% 14.14% 15.01%
9.73% 10.19% 10.64% 11.55% 12.45% 13.33% 14.22%
10.30% 10.75% 11.21% 12.11% 13.00% 13.88% 14.76%
8.39% 8.86% 9.33% 10.26% 11.18% 12.09% 13.00%
12.30% 12.77% 13.24% 14.17% 15.09% 16.01% 16.92%
 SIMULACIÓN CUOTAS PASO AL COBRO Y VALOR OTROS
Cp Lp 2%
25% 75% AFIM
GIRO 5,000,000.00 1,250,000.00 3,750,000.00 100,000.00

CAPITAL Seleccione la tasa

1,250,000.00
OTROS 0.00 TASA IPC+7,5
Fecha Plan 5/8/2022
PLAZO MESES 6 IPC+12
N.A.M.V M.V. Efectiva Cuota Tasa mora NAMV Tasa mora M.V
2021 IPC 2020 8.86% 0.74% 9.23% $ 213,751.13 2021 13% 1.08%
2022 IPC 2021 12.77% 1.06% 13.54% $ 216,159.63 2022 16.92% 1.41%
Diferencial $ 2,408.51

# cuotas Vencimiento Capital Tasa M.V Cuota Int. Cte Abono Capital Otros AFIM Total pago
0 8-May-22 1,250,000
1 8-Jun-22 1,250,000 1.06% 216,160 13,299.23 202,860.40 0 100,000 316,160
2 8-Jul-22 1,047,140 1.06% 216,160 11,140.92 205,018.71 0 216,160
3 8-Aug-22 842,121 1.06% 216,160 8,959.65 207,199.98 0 216,160
4 8-Sep-22 634,921 1.06% 216,160 6,755.17 209,404.46 0 216,160
5 8-Oct-22 425,516 1.06% 216,160 4,527.23 211,632.40 0 216,160
6 8-Nov-22 213,884 1.06% 216,160 2,275.59 213,884.04 0 216,160
1,296,958 46,957.80 1,250,000.00
Estudio Amortización
 LINEA 2021
Tu eliges 30% TASA E.A.
Monto a simular IPC+9 10.75%
5,000,000 VALOR CUOTA $ 858,444
Plazo meses
6 2022
TASA E.A.
IPC+9 15.13%
VALOR CUOTA $ 868,108

Diferencial $ 9,663

Medida transit. Disminución tasa tope Acuerdo 002 de 28/01/202

2022
TASA E.A.
IPC+7,5 13.54%
VALOR CUOTA $ 864,639

Diferencial $ 3,469
 2021
N.A.M.V M.V.
10.26% 0.85%

2022
N.A.M.V M.V.
14.17% 1.18%

ción tasa tope Acuerdo 002 de 28/01/2022

2022
N.A.M.V M.V.
12.77% 1.06%