Finans
sabit marj
İngilizce: fixed margin
Türkçe Tanım
Bir finansal enstruman veya sozlesmenin omru boyunca degismeyen, bir referans oran veya temel maliyete eklenen sabit fark veya primdir. Degisken faizli kredilerde sabit marj, toplam borclanma maliyetini belirlemek icin SOFR veya EURIBOR gibi referans orana eklenir. Sabit marj, kredi verenin kredi riski, piyasa kosullari ve baslangic anindaki rekabetci konumlandirma degerlendirmesini yansitir ve genellikle temel bir ticari kosul olarak muzakere edilir.
English Definition
A constant spread or premium added to a reference rate or base cost that remains unchanged throughout the life of a financial instrument or contract. In floating rate loans, the fixed margin is added to the benchmark rate such as SOFR or EURIBOR to determine the all-in borrowing cost. The fixed margin reflects the lender's assessment of credit risk, market conditions, and competitive positioning at the time of origination and is typically negotiated as a key commercial term.