Tasuvõlgu

Tasuvõlgu refers to a concept in Estonian financial and legal contexts, generally translating to "profitable debt" or "debt that yields a return." It signifies a debt incurred for a purpose that is expected to generate future income or economic benefit, thereby offsetting or exceeding the cost of the debt itself. This distinguishes it from unproductive debt, which is taken on for consumption or purposes that do not generate future value.

In business, tasuvõlgu is often associated with investments, such as taking out a loan to expand operations, purchase new equipment, or develop a new product. The underlying principle is that the increased revenue or efficiency resulting from the investment will be greater than the interest and principal payments on the loan. Similarly, in personal finance, a mortgage on a property that appreciates in value or generates rental income could be considered tasuvõlgu.

The determination of whether a debt qualifies as tasuvõlgu depends on a thorough financial analysis and realistic projections of future returns. It involves assessing the risk associated with the investment and comparing it to the cost of borrowing. While the concept implies a positive financial outcome, it is important to note that all debts carry some level of risk, and projections are not always accurate. Therefore, careful planning and due diligence are crucial when considering any form of borrowing that aims to be tasuvõlgu.