Problemas del régimen colombiano de intereses moratorios
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2022-04-07Share this record
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English Title
Colombia’s compound interest legislation produces the wrong incentivesResumen
El régimen colombiano de intereses de mora tiene dos características principales: i) está prohibida la capitalización de intereses de mora, y ii) la parte acreedora no suele negociar la tasa de mora nominal con la deudora, sino que se usa la tasa supletiva que establece el Código de Comercio, que es muy alta.
La conjunción de estos elementos puede desincentivar que los deudores paguen rápidamente sus obligaciones en mora, porque aunque la tasa de mora nominal es muy alta, si estos consiguen demorar suficientemente el pago de sus obligaciones pueden disminuir la tasa efectiva1 que al final pagarán.
Abstract
Compounding default (penalty) interests is forbidden by Colombian law. As a result, the effective interest rate delinquent debtors must pay diminishes as time passes, creating an unanticipated harmful incentive: a debtor will maximize his benefit by delaying payment. Simultaneously, defaulted debtors that pay relatively soon face very high default interest rates because these are rarely negotiated and suppletory rates are high. This also deters prompt payment.
In this article we will propose certain changes to the applicable legislation in order to incentivize debtor behavior that is in accordance with the general interests of society.
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