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Interest rate swap

Interest rate swap

A swap of interest rates is a contract by means of which two parties (your company and the Bank) exchange some variable flows for other fixed flows.

It will be useful to you if your company has:

  • Financing (loan, mortgage, lease, credit facility, etc.)
  • An investment linked to interest rates

1. Financing


If your company has financing (loan, mortgage, leasing, credit facility, etc.), by means of a swap of interest rates you can fix your cost for all or part of the term of the same.

upon maturity of each period:

  • Receives the variable rate stipulated (EURIBOR 3 months, for example)
  • Pays a stipulated fixed rate at the start of the contract.

Gráfico

The swap is settled by offset. The effect of the settlements of the swap for the client consists of neutralizing the variable payments of your financing to make them fixed.

2. Investment


If its company has an investment linked to the interest rates, by means of a swap of interest rates you can fix your deposit for all or part of the term of the same.

upon maturity of each period:

  • Pays the stipulated variable rate (EURIBOR 3 months, for example)
  • Receives a stipulated fixed rate at the start of the contract.

Gráfico

The swap is settled by offset. The effect of the settlements of the swap for the client consists of neutralizing the variable charges of his/her investment to make them fixed.

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