How can I adjust my loan’s LTV?

You may adjust your loan’s LTV (loan to value) in 3 ways: add collateral, remove collateral or make a repayment. This can all be done by going onto the Crypto.com Exchange Spot Wallet under the Lending tab. An active loan’s LTV depends on the outstanding balance of the loan. Please note to keep LTV below 70% for better loan health. Refer to “What Should I Know about My Loan Health?” for more information on how to maintain appropriate loan health.

LTV = (Outstanding Balance) ÷ (Market Value of Collateral)

Add Collateral:

To add collateral:

  1. Log In to your Crypto.com Exchange account

  2. Go to Dashboard > Lending > Loans

  3. Tap Adjust Collateral on the active loan you would like to adjust to

  4. Fill in the Adjustment Amount or move around the interactive bar to provide an estimated LTV after adjustment

  5. Once you fill in the amount, click Review.

  6. Review the adjustment confirmation and terms and conditions. Once ready, tick that you have read the Lending Terms and Conditions and Confirm Adjustment.

Remove Collateral:

To remove collateral:

  1. Log In to your Crypto.com Exchange account

  2. Go to Dashboard > Lending > Loans

  3. Tap Adjust Collateral on the active loan you would like to adjust to

  4. Tap Remove Collateral

    1. Note: You can only remove collateral if the current LTV < initial LTV.

  5. Fill in the Adjustment Amount or move around the interactive bar to provide an estimated LTV after adjustment

  6. Once you fill in the amount, click Review.

Review the adjustment confirmation and terms and conditions. Once ready, tick that you have read the Lending Terms and Conditions and Confirm Adjustment.

Repayment:

To make a repayment:

  1. Log In to your Crypto.com Exchange account

  2. Go to Dashboard > Lending > Loans

  3. Tap Repay Now to make repayment to your outstanding loan

You can learn more about how repayment works here.

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