Alusintressimäär

Alusintressimäär refers to the interest rate on a subordinated loan. Subordinated loans are a type of debt that ranks below other debt in the event of a borrower's bankruptcy or liquidation. This means that holders of subordinated debt will only be repaid after senior debt holders have been fully satisfied. Because of this lower priority in repayment, subordinated loans carry a higher risk for lenders.

To compensate for this increased risk, lenders typically charge a higher interest rate on subordinated debt compared to senior debt. This higher interest rate is the alusintressimäär. The specific rate is determined by various factors, including the creditworthiness of the borrower, the overall economic conditions, the terms of the loan, and the perceived risk of default.

Companies may issue subordinated debt for several reasons, such as to strengthen their capital structure without diluting equity ownership or to finance specific projects. For investors, alusintressimäär represents a potential for higher returns, but it also comes with a greater risk of losing their principal investment if the borrower defaults. Regulatory bodies often have specific rules regarding the classification and treatment of subordinated debt, particularly for financial institutions, as it plays a role in their capital adequacy. The concept is important in corporate finance and investment analysis.