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Illustration of Colombia's central bank building with digital overlays depicting a potential 50 basis point interest rate hike to 9.75% amid 5.15% inflation concerns.
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Central bank may raise interest rates by 50 basis points

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Colombia's central bank may hike its policy rate by 50 basis points to 9.75% at its January 30 meeting, according to analysts surveyed by Anif and Corficolombiana. The move would address 2025 inflation of 5.15% and a 23% minimum wage increase that has boosted inflation expectations. The global context, with steady Fed rates and Brazil's policy, shapes the local outlook.

The Fondo Nacional de Ahorro and Banco Agrario lead with the lowest rates for mortgage credits and leasing on VIS and non-VIS housing in February, per Superintendencia Financiera data as of January 23. These rates reflect recent adjustments in the usury and interest rates, benefiting potential homebuyers. The overall leasing average stands at 12.30%.

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The Superintendencia Financiera announced that the usury rate for February reaches 25.23% effective annual, up from 24.36% in January, raising costs for credit card purchases. Entities like Lulo Bank and Coltefinanciera operate near the limit, while Coopcentral and Banco GNB Sudameris keep lower rates. Experts highlight the impact on informal credit and propose system reforms.

Amid the Banco Master scandal—marked by its November 2025 liquidation, billion-dollar fraud allegations, and political ties—Folha subscribers demand a Federal Police investigation into implicated politicians and condemn social media attacks on the Central Bank. The TCU president affirms any liquidation reversal lies solely with the STF.

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Following year-end holidays, companies like Nu, Nequi, Lemon, and DataCrédito Experian offer practical advice for organizing personal finances and accessing responsible credit in Colombia. These tips aim to help users manage debts, optimize spending, and plan goals for the new year.

Despite market volatility erasing most yearly gains, 2025 marked cryptocurrency's deeper integration into traditional finance through regulatory clarity and stablecoin adoption. Banks and fintech firms expanded offerings, viewing crypto as infrastructure rather than speculation. This evolution highlighted a move from hype to practical execution.

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The Colombian fintech Littio has announced a new feature allowing users to earn dollar rewards of up to 12% E.A. on deposited digital assets for up to 90 days. This option is available to any user with an existing account or new sign-up in the country, with no minimum amount and the ability to withdraw at any time.

 

 

 

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