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Frequently Asked Questions on Binance VIP Loan

2022-01-18 12:39

What is Binance VIP Loan?

Binance VIP Loan (available to VIP 6 and above users) is a large personal or institutional over-collateralization loan service with competitive rates, terms, and services. Its privileges include, but are not limited to, a customized margin call process and better utilization of collaterals in the account.

What are the advantages of VIPLoan?

  • Collaterals are locked in the Spot Wallet but are freely tradeable in the spot market as long as risk ratios are met.
  • A VIP Loan can be transferred out of Binance.
  • A VIP Loan accepts multiple collaterals.
  • Competitive interest rates.

Frequently Asked Questions

1. What is the difference between Binance VIP Loan and Binance Loan?
Binance VIP Loan offers the broadest range of borrowing options with multiple collateral opportunities, greater borrowing size, and more flexible terms.
2. What are the requirements to use VIP Loan?
All functions and privileges are available to VIP 6 and above users. Please contact our VIP manager if you have not reached VIP 6 and are interested in using VIP Loan.
3. How does the settlement work?
The settlement will usually occur immediately after the loan is approved. The loan is settled directly to your designated Binance account’s Spot Wallet.
4. Are there any fees?
There are no transaction fees for VIP Loan. However, you will be responsible for the loan interests generated.
5. How is interest calculated?
Interest is calculated daily. If your loan is overdue, triple daily interest will be charged. You will be liquidated if you fail to repay the loan after the overdue period.
6. What are the LTV(Loan-To-Value) ratios for VIP Loan?
  • The Loan-To-Value ratio helps determine the amount of loan you will receive based on existing collateralized assets.
  • VIP Loan offers a greater Loan-To-Value ratio. In general, VIP Loan has greater initial LTV, margin call LTV and liquidation call. Please reach out to our VIP team to learn more.
  • You can manage your LTV by transferring assets to/from your Spot Wallet.
7. How to repay the VIP Loan?
You can repay your outstanding interests and principal (partially or in full) using the funds from your Fiat and Spot Wallet balance or your collateral assets.
To repay, go to [Crypto Loans] - [Loan Orders]. Click [Repay] next to the loan order and follow the instructions to choose the payment method.
8. How to contact the VIP team regarding VIP Loan?
You may email us directly at vip@binance.com. Please include “VIP Loan Inquiry” in the subject line for reference.
Alternatively, visit the Key Account Coverage page to learn more.