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NOTICIA: Modificación del Tipo de Interés Legal del Dinero. - Nieves Mateos Asesores

Después de mantenerse 7 años estable en el 3%, el tipo de interés del dinero para el año 2023 se ha situado en el 3,25%. ¿Para qué se utiliza este índice? ¿En qué puede afectarte esta subida?

Se trata de un tipo de interés que se fija anualmente en la Ley de Presupuestos Generales del Estado manteniéndose el del año previo en el caso de que dichos presupuestos sean prorrogados.

Es habitual que se utilice como referencia para fijar recargos, indemnizaciones o penalizaciones en el caso de retrasos en pagos cuando no se haya pactado otra cosa, y también en normas legales o pactos en contratos.

Por ejemplo, en el caso de una cuenta corriente que entra en descubierto (descubierto tácito), la normativa establece que la TAE de los intereses y/o comisiones que se pueden cobrar está limitada, en el caso de las personas físicas consumidoras, a 2,5 veces el tipo de interés legal del dinero. Así la TAE máxima para los descubiertos en cuenta corriente ha pasado del 7,5% al 8,125%

Si te interesa ver la evolución de este tipo, puedes consultar esta tabla.

FUENTE: https://clientebancario.bde.es/pcb/es/blog/modificacion-del-tipo-de-interes-legal-del-dinero.html

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