BTC

How to Buy Real Estate and Avoid Tax Using Bitcoin-Backed Loans

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Bitcoiners are turning to loans backed by BTC to acquire real estate without needing to sell, avoiding the capital gains trigger.

Instead of converting assets into fiat currency, investors maintain their exposure to bitcoin, which is essential for those with significant crypto wealth.

In the common model, LTV (loan to value) operates around 50%, although some offer up to 60%. The loan is released in fiat or stablecoin in less than 10 hours and can be repaid at any time without penalties.

If BTC appreciates, part of the collateral can be released; if it falls too much, there are margin calls, and at the limit (LTV ~80%), the system automatically liquidates the collateral — without affecting the acquired property.

Another significant difference: there is no requirement for traditional credit score — just collateral in BTC. Adoption is growing strongly in Latin America, the USA, and Europe, as exemplified by Ledn, which has already granted over $300 million in credit and estimates reaching $1 billion this year.

With this model, “bitcoin-rich” investors access liquidity for real assets while preserving the appreciation of their digital assets — a strategy that combines tax efficiency and ongoing exposure to the crypto market.