Nomen

der Zinsaufschlag

interest surcharge, interest premium, spread

Die Bank erhebt einen Zinsaufschlag.

The bank charges an interest surcharge.

Der Zinsaufschlag hängt von der Bonität ab.

The interest premium depends on the credit rating.

((an interest surcharge)) ((on sth.)) an interest surcharge on sth. The bank charges an interest surcharge on the loan.

Marge (margin), Prämie (premium), Gebühr (fee)

From 'Zins' (interest) + 'Aufschlag' (surcharge, premium). Literally an 'interest surcharge'.

Think of it as an extra 'strike' or 'hit' (Aufschlag) on top of the base interest (Zins).

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