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Bitcoin

Bitcoin loans open real estate for purchasing buyers

Bitcoin holders benefit from coding loans to buy real estate without selling one SAT while avoiding taxes on capital gains.

This emerging trend acquires momentum between the early adoptions of encryption, businessmen, and high -value individuals who are “wealthy Bitcoin”, but often they do not meet the traditional criteria for real estate financing, said Mauricio de Bartolomeo, co -founder of LEDN, told CointeleGraph.

Bitcoin -backed outlets allow borrowers to take advantage of the encryption without withdrawing. Since getting a loan is not usually considered a taxable event, customers can access liquidity while maintaining upward exposure.

“Borrowing using your Bitcoin as a guarantee does not usually lead to capital gains in most judicial states because borrowing against the asset is not usually a taxable event – you do not sell Bitcoin,” said De Bartolomeo.

Related to: How to buy a house with a loan supported from encryption

Bitcoin loans quickly

To secure the Bitcoin loan (BTC), customers close the BTC loan to a loan to the value (LTV) by a model by typical and receive FIAT or stablecoins. De Bartolomeo said the average financing time for one lender is 9.6 hours. Then these funds are used either as a premier or to cover the full cost of property.

The model also provides some flexibility. Benefits and fees accumulate on the loan period, with no mandatory monthly payments. Payment can occur at any time without penalties, and loans can be renewed if LTV remains less than 60 %. Berms also retain the right to withdraw the extra guarantee if Bitcoin is estimated during the loan period.

LEDN’s Bitcoin Loan Calculator. Source: LEDN

De Bartolomeo said that Bitcoin Liden’s loans have found strong adoption in Latin America, the United States and parts of Europe. “The beauty of bitcoin as a guarantee is that it has no limits,” he said.

A repeated source of anxiety with BTC loans is fluctuation. “With the low bitcoin prices and the increase of LTV, customers will receive notifications to send additional guarantees,” explained de Bartolomeo.

If LTV reaches 80 %, the lender sells the necessary amount from BTC to pay the loan, and return any rest to the borrower. Since real estate treatment has already occurred, the filter does not reflect property purchase – it is simply the settlement of the loan.

Related to: Finance Maple, Falconx Secure Infinediched Bitcoin from Cantor Fitzgerd-Report

Bitcoin as guarantee, no credit examination

Traditional lenders are often ashamed of encryption due to organizational uncertainty and credit risk. However, Di Bartolomeo said that Bitcoin loans can go beyond the need for entire credit. Bayers after 2: 1 guarantee, and lenders can filter immediately if the value decreases.

“We believe that bitcoin is the most virgin guarantee in the world. It is trading around the clock throughout the week, and it is a deep liquid, and transactions can be sent worldwide in the actual time,” Di Bartolomeo can be sent.

Leiden issued more than $ 300 million of retail loans in the first quarter of 2025, and it exceeds one billion dollars by the end of the year, the company said. Moreover, in 2024, customers got eight times more than Bitcoin than they paid for interest, as more than 1000 BTC was withdrawn as an overload when prices rise.

De Bartolomeo added that more and more high -value individuals are heading to backed loans from Bitcoin. Instead of spending, they benefit from their BTC holdings to reach solid assets such as real estate, and maintain exposure to what they consider the best investment in performance.

“They want to maintain exposure to their highest assets and the best performance, and they still enjoy moving to a new property without selling Bitcoin.”

In May, Simos Roca, CEO of Gibraltar’s Xapo Bank, said that bitcoin holders had become more comfortable to borrow against their encryption with market confidence growth.

On March 18, Xapo Bank launched an lending product that allows users to borrow US dollars using Bitcoin as a guarantee. With the product, qualified customers can reach up to $ 1 million of loans while keeping BTC.

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