Finans
sabit faizli avans
İngilizce: fixed advance
Türkçe Tanım
Duzenli araliklarla yeniden fiyatlanan degisken faizli avansin aksine, belirli bir donem icin onceden belirlenmis sabit faiz oraninda yapilan kredi veya kredi kullanim cekisidir. Sabit faizli avanslar borc alanlara faiz donemi boyunca faiz maliyetleri uzerinde kesinlik saglar ve proje finansmaninda faiz orani oynaklizina karsi korunmak icin yaygin olarak kullanilir. Sabit faizli avans maliyeti genellikle kredi verenin fonlama maliyeti arti kredi marjini yansitir ve erken geri odeme icin bir kiris maliyeti hukmu icerebilir.
English Definition
A loan or credit drawdown made at a predetermined fixed interest rate for a specified period, as opposed to a floating rate advance that reprices at regular intervals. Fixed advances provide borrowers with certainty over interest costs for the duration of the interest period and are commonly used in project finance to hedge against interest rate volatility. The cost of a fixed advance typically reflects the lender's funding cost plus a credit margin and may include a break cost provision for early repayment.