taxa fixa garantida
1. An interest rate or exchange rate that is fixed and guaranteed for a specific period, preventing fluctuations
The bank offered a locked rate of 3.5% for the mortgage, ensuring stable monthly payments.
O banco ofereceu uma taxa fixa garantida de 3,5% para a hipoteca, garantindo pagamentos mensais estáveis.
2. In finance and insurance, a rate that has been secured and cannot be changed regardless of market conditions
She secured a locked rate on her home refinance before interest rates increased.
Ela garantiu uma taxa fixa na refinanciação da casa antes do aumento das taxas de juros.
3. A predetermined exchange rate for currency conversion that remains constant during a transaction period
The company negotiated a locked rate for their international transactions for six months.
A empresa negociou uma taxa de câmbio fixa para suas transações internacionais por seis meses.
Locked rates are fundamental concepts in North American banking and mortgage industries, where consumers commonly negotiate fixed rates to protect themselves from future interest rate increases. In Brazil, this concept is increasingly important as borrowers seek financial stability in volatile economic conditions. The practice reflects different economic strategies between developed and emerging markets.
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