Finans
sabit oran
İngilizce: fixed rate
Türkçe Tanım
Onceden belirlenmis bir seviyede ayarlanan ve belirtilen donem boyunca degismeyen, finansal islemde her iki tarafa da kesinlik saglayan faiz orani, doviz kuru veya fiyatlandirma mekanizmasidir. Kredilendirmede sabit oran borc alani yukselen faiz oranlarina karsi korur ancak dusen oranlardan yararlanma firsatini kaybettirir. Sabit oran yapilari ozellikle kredi verenlerin ongörulebilir borc servisi karsilamasi gerektirdigi proje finansmaninda yaygindir ve dogrudan sabit oranlı kredi verme veya faiz orani takaslari yoluyla elde edilebilir.
English Definition
An interest rate, exchange rate, or pricing mechanism that is set at a predetermined level and does not change over the specified period, providing certainty to both parties in a financial transaction. In lending, a fixed rate protects the borrower against rising interest rates but foregoes the benefit of declining rates. Fixed rate structures are common in project finance, particularly where lenders require predictable debt service coverage, and may be achieved through direct fixed rate lending or through interest rate swaps.