00:00Hello friends and friends, welcome to MoneyGamia Dato a Dato.
00:03This is the space where we explain all the economic concepts that we give us to listen to them.
00:08Today we are going to explain what is the tax of use.
00:11So it is, in Colombia there is a variable that determines when someone is a user.
00:15Pongan atención, the tax of use is the indicator that determines what are the maximum interest
00:20that they can afford during a credit.
00:22For example, for August 2019, the tax of use of consumer credit is of 28,98% annual.
00:30This means that no person or financial entity can afford more than this interest during the
00:35préstamos, and if they pay for above this interest, they can denounce it to the Superintendencia
00:40Financiera.
00:41Every month, the Superintendencia Financiera publica on their website what is the tax of use,
00:45so they must be very careful to avoid that they have to pay more, especially at the time
00:49of using their credit card, so that those taxes don't pay less.
00:52The tax of interest of the credit card is close to the tax of use, so it can be the
00:57instrument
00:57credit that the most changes every month.
00:59The tax of use is one of the factors that determine if they have acquired a formal credit card
01:02or if they are in a fee of gota-gota, of those that cobran interest of up to three digits.
01:07Let's show you what can be the credit card card.
01:10Let's say that we have a credit card card from 10.000.000 to 24 months, and that, for
01:15one hand, we have a credit card card with a slightly inferior interest to the tax of use,
01:19for example, of 28% annual.
01:22For the other hand, we have a fee of gota-gota with an interest of 213% annual, like those
01:28that have been reported in the last few years.
01:30With the credit card, they will end up paying $2,8 million in interest, plus $10 million
01:35in interest, but with the credit card card, they will pay $16,6 million in interest, plus
01:41$10 million in interest.
01:42That is, with the credit card card card, they will pay $2 or even $3 million in interest.
01:49The other big risk of the credit card card card is that they usually manage groups delincuencial
01:53and any impago can put in risk their life.
01:56That's why they always prefer the credit card card card, which, in addition to using interest
01:59that respect the tax of use, are monitored by the authorities.
02:03And with the banks, at least, they can say that the tax of use is not a concept so rude,
02:07right?
02:07Now they know what is the limit of interest that they can pay.
02:11That's all, friends.
02:12We'll see you in the next video of MoneyGamia Dato a Dato, to help them with more concepts
02:16escalofriantes.
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