幣安為穩定幣用戶推出固定利率貸款，增強財務可預測性

幣安為穩定幣用戶推出了新的固定利率貸款選項，增強了尋求加密貨幣貸款的人的財務可預測性。

Binance has introduced a new fixed-rate loan option for stablecoin users, aiming to enhance financial predictability for those seeking crypto loans. This new feature allows borrowers to lock in fixed interest rates for the loan period, ensuring stability in borrowing costs.

幣安為穩定幣用戶推出了新的固定利率貸款選項，旨在提高尋求加密貨幣貸款的人的財務可預測性。這項新功能允許借款人在貸款期間鎖定固定利率，確保借款成本的穩定性。

Currently, Binance offers this option for two stablecoins: USDC and FDUSD. For USDC, users can access loans with a 7.8% fixed rate for a 30-day term, with a minimum loan amount set at 50,000 USDC. For FDUSD, the fixed rate is 11% for the same term, with a minimum loan amount also of 50,000 FDUSD. These loans allow borrowers to know the exact costs in advance and avoid surprises during the loan period.

目前，幣安為兩種穩定幣提供了此選項：USDC 和 FDUSD。對於 USDC，用戶可以獲得為期 30 天、固定利率 7.8% 的貸款，最低貸款金額為 50,000 USDC。對於FDUSD，同期固定利率為11%，最低貸款金額也為50,000 FDUSD。這些貸款可以讓借款人提前了解確切的成本，避免在貸款期間發生意外。

To use this service, borrowers must place an order through the Binance platform, selecting eligible assets as collateral. Once the order is matched, the borrowed funds are transferred to the user’s Spot Wallet, after deducting the pre-calculated interest. It is essential for borrowers to repay the full loan amount before the due date to avoid late fees, which are calculated at three times the loan interest rate.

要使用此服務，借款人必須透過幣安平台下訂單，選擇符合條件的資產作為抵押品。一旦訂單撮合，借入的資金在扣除預先計算的利息後將轉入用戶的現貨錢包。借款人必須在到期日之前償還全部貸款金額，以避免滯納金，滯納金以貸款利率的三倍計算。

On the other hand, fund providers have their assets protected by Binance once their order is matched. The supplied assets, along with the accrued interest, are returned to the provider at the end of the loan term. The exchange manages the loans in a way that they are over-collateralized to minimize liquidation risks, and offers auto-repay and auto-renew options to facilitate the process for users.

另一方面，一旦訂單匹配，資金提供者的資產就會受到幣安的保護。所提供的資產以及應計利息將在貸款期限結束時返還給提供者。該交易以超額抵押的方式管理貸款，以最大限度地降低清算風險，並提供自動還款和自動續訂選項，以方便用戶處理流程。

The introduction of fixed-rate loans aligns with Binance’s goal of offering more stable and predictable options in the market. This new feature provides greater predictability for borrowers and offers a reliable option along with a suitable system for lenders to participate in crypto lending.

固定利率貸款的推出符合幣安在市場上提供更穩定、更可預測的選擇的目標。這項新功能為借款人提供了更大的可預測性，並為貸款人參與加密借貸提供了可靠的選擇以及合適的系統。