VIP Loan | Institutional Level Loan Service

VIP Loanable Assets

The rates quoted are subject to change, get in touch with your VIP manager to find out more.

VIP Level

The Flexible Rate displayed here is based on real-time interest rates. The actual interest payable for your loan is accrued hourly and is calculated based on the average real-time interest rates from the previous hour.

Frequently Asked Questions

What is Binance VIP Loan?

Binance VIP Loan is the loan service for Binance VIP users, providing competitive rates, terms, and services. It offers customized margin call processes and better utilization of collateral in the account. VIP Loan collateral in the Spot Wallet can be freely traded in the spot market as long as users comply with the relevant Loan-to-Value (LTV) and risk ratios. For more information, please refer to FAQ.

VIP Loan borrowing amount counts toward the VIP Borrower program. For details, please refer to https://www.binance.com/en/vip-institutional-services?tab=borrow#program

What are the requirements for using VIP Loans?

All functions and privileges are available to Binance VIP users. If you are not a Binance VIP user and are interested in using VIP Loans, please contact our VIP manager with details of your request and your Binance UID. The amount of your first VIP Loan order should be greater than or equal to $500,000, and the collateral account balance should meet the minimum LTV of 72%.

Are there any fees?

There are no transaction fees for VIP Loans. However, you will be responsible for the loan interest generated and a 2% liquidation fee in case of a liquidation.

How is interest calculated?

The interests of VIP Loan flexible rate is calculated and accrued every hour while the interests of VIP Loan stable rate is calculated and accrued daily. The accumulated interests will be updated daily between 00:00 and 01:00 (UTC). If your loan is overdue, a triple daily interest will be charged. You will be liquidated if you fail to repay the loan after the overdue period.

Where can I check my Loan Position?

Users can now check the amount of their loan debt in the [Loan Wallet] under [Assets] - [Overview]. Since loan orders are considered liabilities, the debt value will appear as a negative amount in users' total assets.