Credit
floating interest rate
Turkish: degisken faiz orani
English Definition
An interest rate on a loan or debt instrument that is periodically adjusted based on a reference benchmark such as SOFR, EURIBOR, or a central bank policy rate. The rate typically comprises the benchmark plus a fixed margin reflecting the borrower's credit risk. Floating interest rates transfer interest rate risk from the lender to the borrower but offer lower initial rates than comparable fixed-rate alternatives.
Türkçe Tanım
SOFR, EURIBOR veya merkez bankasi politika faizi gibi bir referans gostergeye dayali olarak donemsel sekilde ayarlanan kredi veya borclanma araci faiz oranidir. Oran tipik olarak referans gosterge artI borclunun kredi riskini yansitan sabit bir marjdan olusur. Degisken faiz oranlari faiz orani riskini kredi verenden borcluya aktarir ancak karsilastirabilir sabit faizli alternatiflere gore daha dusuk baslangic oranlari sunar.