Gate News reports that on March 27, a certain CEX and the mortgage platform Better Home & Finance announced a partnership to launch home loan products backed by Bitcoin or USDC, guaranteed by Fannie Mae. Borrowers do not need to sell their crypto assets; they can use them as collateral to apply for an independent loan to cover the down payment while also qualifying for a standard mortgage. Ultimately, borrowers hold two loans with the same interest rate and repayment period, with combined monthly payments. The product complies with Fannie Mae guidelines and offers interest rates significantly lower than traditional crypto-backed loans. If Bitcoin prices fall, the collateral will not be forcibly liquidated due to market fluctuations, only facing liquidation risk after 60 days of overdue payments. Borrowers using USDC as collateral can offset part of the loan interest with the income generated from the collateral. A member of a certain CEX who completes a transaction through Better can receive a rebate of up to 1% of the mortgage amount, with a maximum of $10,000. Both companies stated that they plan to expand the eligible collateral range in the future to include tokenized stocks and fixed-income assets.
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