# Frequent Questions

1\. What are the details of the lending interest rate and how to calculate the interest rate for early repayment?

\[Repay as you go, no fixed term; interest rates are calculated automatically according to the automatic algorithm]

2\. Is a mortgage without a loan equivalent to mining without loss?

Yes&#x20;

3\. If I pledge USDT and then lend HBTC, should I pay back the interest by USDT or HBTC?

\[What you borrow is what you pay back, in the above example, you should pay back by HBTC]



**Deposit Tutorial**

1. Select the currency to be deposited in the \[Deposit Market] to authorize the deposit

![](https://2864812212-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MkBV9Fv-DS0oWaGAy7x-1703796690%2Fuploads%2FgNwMo7NrL3WIVmmWrdLG%2Fimage.png?alt=media\&token=0802b128-9ab9-4068-828a-13bb9bcaed97)

2.After the deposit authorization is completed, open the collateral in \[My Deposits] to earn interest.

![](https://2864812212-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MkBV9Fv-DS0oWaGAy7x-1703796690%2Fuploads%2FCiGlGMfkGuNhTnb5Bwd0%2Fimage.png?alt=media\&token=8f9d5fd3-ecba-4b32-b824-5b0de36b995a)

**Borrowing tutorial**

1.Borrowing requires a deposit collateral before you can obtain borrowing authorization, select the corresponding currency in the \[Borrowing Market] to borrow.

![](https://2864812212-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MkBV9Fv-DS0oWaGAy7x-1703796690%2Fuploads%2F3ue69IHokh5cZ3Nf5WgA%2Fimage.png?alt=media\&token=43b37a38-62f4-46f3-9811-9c67b2060b71)

2.Depending on the currency of the deposit, the collateral ratio, the safe borrowing limit, each borrowing currency has a maximum borrowing limit.

![](https://2864812212-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MkBV9Fv-DS0oWaGAy7x-1703796690%2Fuploads%2Fao7432EtfkBxp7b8ScYC%2Fimage.png?alt=media\&token=38047e73-bbe4-4bb3-80ad-c9b86a31905b)

**Repayment Tutorial**

&#x31;**.**&#x56;iew my loans in \[My Loans] and click Repayment to make repayment.

![](https://2864812212-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MkBV9Fv-DS0oWaGAy7x-1703796690%2Fuploads%2FeEmnVHy8zDehA5JJp1XV%2Fimage.png?alt=media\&token=ca34c2e9-8604-43de-b80a-c82528465831)
