Беззалоговая ипотека DeFi на квартиру в Остине через Teller

A new homeowner has bought an apartment in Austin, Texas, through a program that allows crypto holders to take out traditional uncollateralized mortgages based on their credit scores.

The USDC.homes crypto mortgages platform issued its first crypto loan to an Austin resident who bought a $680,000 condo with a $500,000 loan issued in USD Coin (USDC) stablecoin over the Polygon network.

This new platform combines practices from traditional lending markets such as leveraging a borrower’s credit score to determine eligibility with new decentralized finance (DeFi) innovations such as cryptocurrency staking to help pay off the balance.

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Today, we’re excited to debut and announce the arrival of crypto mortgages to Texas!

Read more Teller (@useteller) April 26, 2022

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Loans from the platform are issued in USD, but borrowers can make payments in Ether (ETH), Bitcoin (BTC) or USDC. It has been built using the Teller lending protocol and backed by the TrueFi project that issues uncollateralized crypto loans. USDC.homes can issue 30-year mortgages as large as $5 million at a 5.5% interest rate which require a 20% down payment.

The first mortgage issued by USDC.homes on the Polygon network.

Each borrower’s down payment is staked, not sold, and accrues interest over time that can be used to help homeowners pay off their loans. According to a Wednesday blog post from Teller, the traditional need to liquidate one’s crypto assets for fiat to secure a loan exposes American borrowers “to the damages of taxation, fees, and a loss of position.”

Real-world loan issuing is becoming a more common use case in the crypto industry. Платформа LoanSnap планирует открыть свои услуги для лицензированных ипотечных брокеров в этом году, говорится в опубликованном во вторник отчете Housing Wire.

Используя систему выдачи кредитов на основе искусственного интеллекта (ИИ), генеральный директор Карл Джейкоб сообщил Housing Wire, что LoanSnap выдала “миллиарды долларов” традиционных ипотечных кредитов. Услуги его компании также распространились на криптовалютное пространство благодаря сотрудничеству с DeFi кредитором Bacon Protocol, который связал стоимость ипотеки с нефункциональным токеном (NFT)

Bacon Protocol выдает ипотечные кредиты NFT с ноября прошлого года, при этом ставки по кредитам достигают 3,1%, что намного меньше, чем 5,55% по традиционной 30-летней ипотеке, по данным Investopedia.

По данным Investopedia.

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