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Calculating and Creating a New Loan

The loan setup process is automated and split into transparent interactive steps in the New loan section.

Open the Section​

In the left navigation panel of the borrower dashboard, open New loan to launch the interactive calculator.

Review the Interest Rate​

Fundora shows the fixed annual rate before the application is created. The borrowing cost is not tied to DeFi protocols and does not change because of dynamic market rates.

Enter the BTC Collateral Amount​

In the Collateral block, enter the amount of Bitcoin you are ready to provide as security.

The system automatically recalculates its current value in USD and RUB using the latest market rate, for example $75,218 / BTC.

Configure Loan-to-Value (LTV)​

Use the interactive slider to choose a comfortable LTV. Standard markers are available: 0%, 25%, 50%, and 73%.

Based on the selected ratio, for example 60%, the system instantly calculates:

  • the final USDT amount available for payout;
  • the platform origination fee;
  • the LTV scenarios and the liquidation threshold if the BTC price moves down.

Add a USDT Payout Wallet​

In the USDT payout wallet block, select the target network, for example Ethereum ERC-20, and paste the wallet address where the loan proceeds should be sent.