Enimmäisrahoitusosuutta

Enimmäisrahoitusosuutta, a Finnish term, translates to maximum financing share or maximum funding portion. It refers to the highest percentage or amount of the total cost of a project, investment, or purchase that can be covered by a specific source of funding. This concept is frequently encountered in various contexts, including public sector grants, private loans, and insurance policies.

In the realm of grants and subsidies, enimmäisrahoitusosuutta dictates the cap on how much funding an applicant can receive from a particular grant program. For example, a grant might cover a maximum of 70% of eligible project expenses, meaning the applicant must provide at least 30% of the funding from their own resources or other sources. This ensures that the recipient also has a vested interest in the project's success and shares in the financial risk.

Similarly, in lending, a financial institution might set an enimmäisrahoitusosuutta for a loan, indicating the maximum loan-to-value ratio. For a mortgage, this could mean that the bank will only lend up to a certain percentage of the property's appraised value, requiring the borrower to contribute the remaining portion as a down payment.

In insurance, the term can relate to the maximum payout an insurer will provide for a claim. This could be a fixed sum or a percentage of the insured value. Understanding the enimmäisrahoitusosuutta is crucial for financial planning, as it clarifies the extent of external support available and the amount of own contribution required.