Kredi
sabit faizli kredi
İngilizce: fixed rate loan
Türkçe Tanım
Faiz oraninin baslangicta kilitlendigi ve kredi vadesi boyunca veya tanimli bir baslangic donemi icin sabit kaldigi kredi tesisidir. Sabit faizli krediler borc alanlara odeme kesinligi ve faiz orani artislarina karsi koruma saglar ancak kredi verenlerin ustlendigi faiz orani riskini telafi etmek icin genellikle degisken faizli esdegerlerine gore prim tasir. Proje finansmaninda sabit faizli krediler dogrudan kalkinma finansmani kuruluslari tarafindan sunulabilir veya degisken faizli tesisler uzerine bindirilmis faiz orani takaslari araciligiyla sentetik olarak elde edilebilir.
English Definition
A loan facility on which the interest rate is locked in at origination and remains constant throughout the loan term or a defined initial period. Fixed rate loans provide borrowers with payment certainty and protection against interest rate increases but typically carry a premium over floating rate equivalents to compensate lenders for the interest rate risk assumed. In project finance, fixed rate loans may be offered directly by development finance institutions or achieved synthetically through interest rate swaps overlaid on floating rate facilities.