Chile Statutory legal interest (interés corriente)
Chile Statutory legal interest (interés corriente) is 5.4 percent, in force since 15 Jul 2026. Last checked against the official source on 10 Aug 2026.
Chile's legal interest under Ley 18.010: the interés corriente certified monthly by the CMF, whose certificate itself designates which segment governs art. 16 mora and every legal reference to 'interés legal' — 5.40% annual for non-indexed peso operations from 15 July 2026.
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| Current value | 5.4 percent |
|---|---|
| In force from | 2026-07-15 |
| Official source | CMF, Certificado Nº 07/2026 'Determina interés corriente por el lapso que indica' (signed 13 July 2026, published Diario Oficial Núm. 44.500 of 15 July 2026, CVE 2839188), under arts. 6º and 6º bis of Ley 18.010: segment 1.b — operaciones no reajustables en moneda nacional de menos de 90 días, superiores a 5.000 UF: '5,40 % anual. Esta tasa rige para los efectos del artículo 16 de la ley 18.010 y otras leyes que se remiten a la tasa de interés corriente para operaciones no reajustables.' |
| Last verified | 2026-08-10 |
| Verification | primary — No verification limitation recorded — read from the official source cited. |
| Provenance | source fingerprint |
What this value means
WHICH RATE IS SERVED, AND WHY: Ley 18.010 art. 16 makes a debtor in mora owe interés corriente absent agreement, and art. 19 makes interés corriente THE rate wherever any law says 'interés legal'. The CMF's monthly certificate itself DESIGNATES which of its many segments answers that question: the rate for non-indexed peso operations under 90 days above 5,000 UF, marked 'Esta tasa rige para los efectos del artículo 16' — 5.40% annual in Certificado 07/2026. The parallel designated rate for INDEXED (reajustable) operations is segment 3.a: 4.40% annual. Serving any other segment (e.g. the 32.04% small-amount consumer rate) as Chile's legal interest is wrong — those segments price consumer credit, not statutory mora. STRUCTURE: the CMF certifies interés corriente monthly (weighted averages of bank rates for the prior month) across segments — non-indexed peso by term and UF size (35.32% / 5.40% under 90 days; 32.04% / 29.52% / 20.46% / 6.74% at 90 days or more by size, with a combined ≤200 UF rate of 30.89%), indexed peso (4.40% / 4.26% / 3.95%), and foreign currency (9.94% / 5.72%). The interés máximo convencional (usury ceiling) for each segment is one and a half times its corriente (art. 6º bis) — e.g. 8.10% = 1.5 × 5.40%. Non-indexed peso rates are linear annual; the rest compound; all vencido on a 360-day base. PERIOD BASIS: each certificate takes effect ON PUBLICATION in the Diario Oficial (mid-month, typically the 13th-15th) and runs until the day before the next publication — an INTRA-MONTH boundary, not a calendar month. Certificado 07/2026 governs 15 July until the August certificate publishes (~mid-August 2026). Re-verify monthly. RETRIEVAL, ESTABLISHED 2026-08-10: every cmfchile.cl host (www, tasas, api) is unreachable from outside Chile — connection failures from two networks and a real browser alike. The reachable primaries are the DIARIO OFICIAL PDF (this citation — signed, sealed, text-extractable; editions at diariooficial.interior.gob.cl/edicionelectronica/, certificate under MINISTERIO DE HACIENDA / Comisión para el Mercado Financiero in the mid-month edition) and LeyChile (bcn.cl), which republishes certificates with a few weeks' indexing lag. Pull the new certificate from the Diario Oficial each mid-month.
Get it programmatically
curl https://latamref.dev/v1/cl/statutory-interest
# $0.005 per call — x402 on Base (USDC). No key, no signup.
# History: curl https://latamref.dev/v1/cl/statutory-interest/history?from=2020-01-01
# Provenance: curl https://latamref.dev/provenance/cl/statutory-interestOther Chile series: Tasa de Política Monetaria (TPM) · IVA tasa general · VAT registration threshold · Ingreso Mínimo Mensual (IMM) · Feriados legales · CPI inflation (year-on-year) · Corporate income tax rate · Withholding tax rates · Personal income tax brackets · Statutory social-insurance contributions
The same figure elsewhere: Colombia · Costa Rica · Dominican Republic · Ecuador · El Salvador · all 22