Kredi
degisken faizli kredi
İngilizce: floating rate loan
Türkçe Tanım
Faiz oraninin genellikle referans oran arti kredi marjindan olusan bir gostergeye dayali olarak donemsel sekilde yeniden belirlendig kredidir. Referans oran dalgalandikca faiz odemeleri kredinin omru boyunca degisir. Degisken faizli krediler sendikasyon kredileri ve proje finansmaninda standart yapi olup borclular oran oynaklIgIna karsi korunmak icin faiz orani takas sozlesmeleri kullanabilir.
English Definition
A loan whose interest rate is periodically reset based on a reference benchmark, typically comprising the benchmark rate plus a credit spread. Interest payments vary over the life of the loan as the benchmark fluctuates. Floating rate loans are the standard structure in syndicated lending and project finance, where borrowers may use interest rate swaps to hedge against rate volatility.