HomeBlogBinance 借贷指南 2026:如何借入加密货币
加密货币抵押贷款

Binance 借贷指南 2026:如何借入加密货币

以您的加密货币作为抵押借款而不出售。在保持长期持仓的同时获得即时流动性

获得加密货币贷款

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Copy Code: TRADEOFF20

Create Binance account with lifetime 20% fee discount.

Binance Register Link: https://accounts.binance.com/register?ref=TRADEOFF20

什么是Binance贷款?

Binance贷款让您使用现有的加密货币持仓作为抵押品借入加密货币或稳定币。您可以在保持对潜在价格上涨的敞口的同时解锁流动性,而不是出售您的Bitcoin或Ethereum。

即时批准 - 无需信用检查
保持您的加密货币敞口
从5%年化利率起的有竞争力的利率
灵活还款 - 随时支付
无隐藏费用或罚款

工作原理

1

存入抵押品

锁定您的BTC、ETH或其他支持的加密货币

2

即时借款

立即接收USDT、USDC或其他币种

3

使用您的资金

交易、提取或随意使用

4

偿还并解锁

偿还贷款 + 利息以取回抵押品

贷款计算器

估算您的贷款金额、利息和清算价格

≈ $42,000

25% (Safe)65%80% (Max)

贷款详情

最大贷款金额$27,300
利率8.5% APR
每日利息$6.36
总利息 (30 天)$190.73
清算价格
$53,631

* 费率为估算值。实际费率可能有所不同。请查看Binance了解当前费率。

了解LTV比率

25-50% LTV

安全区

低清算风险。价格可以下跌50%+才会清算。

50-65% LTV

中等风险

贷款金额和安全边际的良好平衡。

65-80% LTV

高风险

最大贷款但清算风险更高。密切监控。

清算时会发生什么?

如果您的抵押品价值下降且LTV达到83%,Binance将自动出售您的抵押品以偿还贷款。您保留借入的资金但失去部分或全部抵押品。始终监控您的持仓并在需要时添加抵押品。

何时使用加密货币贷款

📈

避免亏损出售

需要现金但加密货币下跌?借款而不是低价出售。价格恢复时偿还。

💰

税务优化

在大多数司法管辖区,借款不是应税事件。在不触发资本利得的情况下访问资金。

🔄

杠杆交易

借入稳定币购买更多加密货币。在不使用保证金的情况下放大收益(和风险)。

🏠

现实世界支出

支付账单、购物或应对紧急情况,无需清算您的长期持仓。

支持的抵押品和贷款资产

抵押品选项

BTCETHBNBSOLXRPADADOTMATICLINKAVAXATOMUNI+50 more

可借资产

USDTUSDCBUSDBTCETHBNBDAITUSD

如何获得Binance贷款

1

前往Binance贷款

登录Binance并导航到赚币 → 加密货币贷款

💡 确保您已完成身份验证(KYC)

2

选择贷款参数

选择您的抵押品币种、贷款币种、金额和期限

💡 从较低的LTV(50-65%)开始以获得安全缓冲

3

审核并确认

检查利率、清算价格和总还款

💡 记下清算价格并设置价格提醒

4

接收您的贷款

资金立即存入您的现货钱包

💡 您可以随时提前还款,无罚款

加密货币贷款的专业提示

🔔

设置价格提醒

在清算价格上方10-20%处设置提醒,以便及时添加抵押品

📊

保持低LTV

借入少于最大值(50-60% LTV)以获得更大的安全边际

💵

使用稳定币作为抵押品

USDT/USDC作为抵押品意味着没有价格下跌的清算风险

提前还款

利息按小时计算。提前还款以节省利息成本

在不出售的情况下解锁流动性

在Binance上获得即时加密货币抵押贷款。在访问所需资金的同时保持您的长期持仓。

立即获得加密货币贷款

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Copy Code: TRADEOFF20

Create Binance account with lifetime 20% fee discount.

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免责声明: 本文包含推荐链接。加密货币贷款有清算风险。如果您的抵押品价值大幅下降,您可能会失去抵押品。只借入您能偿还的金额。利率可能会发生变化。这不是财务建议。