Loans and borrowing via the #Binance platform for cryptocurrencies:
---
1. ⚙️ Binance Loans (Crypto Loans)
You can borrow up to 65% of the collateral value for a period ranging from 7 to 180 days.
Two main types:
Flexible interest rate loan: You can repay at any time without transaction fees, using Simple Earn assets as collateral.
Fixed interest rate loan: You choose the amount and rate as you wish and create a pre-application.
Application method:
1. Choose the currency you want to borrow and the collateral for borrowing.
2. Specify the loan duration and rate.
3. Agree and start borrowing.
Benefits: Liquidity without selling assets, early repayment without fees, use of money for any purpose, even withdrawal outside the platform.
Risks: Fluctuation of the collateral may lead to liquidation, and interest fees vary by duration and currency.
---
2. 🔧 Margin trading
Isolated margin: up to 10× leverage; Cross margin: up to 20× depending on the currency and user account.
You can borrow automatically when opening a position, then manage it through automatic or manual repayment.
Benefits:
Expand trading capacity.
Support for triangular trading relationships (long/short).
Protection against negative equity.
Risks:
Due to leverage, the likelihood of liquidation increases.
Interest accrues hourly as long as the loan is open.
---
3. 🏢 Institutional Loans
Recently announced (July 3, 2025) the Institutional Loans feature for users at VIP5 level and above.
Benefits:
Leverage up to 4×.
Using collateral across multiple accounts (Cross‑collateral).
Reduced interest rates that can reach zero based on performance.
Eligibility for Cross Margin or Portfolio Margin Pro accounts.
---
🧭 Should I use loans or margin?
Goal Use Why
Short/medium-term liquidity Crypto Loans Flexible duration, repayment without fees, defined period
Trading with leverage Margin trading Up to 20× leverage, with a larger financial portfolio for trading
You are an institution or VIP user Institutional Loans Best rate terms and Cross‑collateral benefits
---
📌 Important alerts
The volatility in cryptocurrency prices can lead to liquidation of collateral.
Interest is usually calculated hourly or based on the loan duration.
Make sure to read the terms of each loan and assess the LTV ratio (loan to collateral).
These tools are aimed at users who understand the risks of trading and borrowing.