你能用加密貨幣獲得抵押貸款嗎？

加密貨幣已成為世界上最常用的貨幣之一。根據某些研究，至少有 6.17 億人使用 BTC 或其他種類的貨幣

Cryptocurrencies have become increasingly popular in recent years, with some studies suggesting that at least 617 million people use Bitcoin (BTC) or other tokens to purchase products or services online and in physical stores. However, despite their widespread use, cryptocurrencies are not yet widely accepted as a form of payment for mortgages.

近年來，加密貨幣變得越來越流行，一些研究表明，至少有 6.17 億人使用比特幣 (BTC) 或其他代幣在線上和實體店購買產品或服務。然而，儘管加密貨幣被廣泛使用，但它尚未被廣泛接受作為抵押貸款的支付方式。

In the UK and the US, banks typically only operate with fiat currencies, which means that they will not accept payments for mortgages in cryptocurrencies. However, some fintech companies, such as Milo in the USA, are now offering mortgages with crypto wallets as the collateral and also accepting them as payment, suggesting that the situation may be changing.

在英國和美國，銀行通常只使用法定貨幣運營，這意味著它們不會接受加密貨幣抵押貸款付款。然而，一些金融科技公司，例如美國的 Milo，現在開始以加密錢包作為抵押品提供抵押貸款，並接受它們作為付款，這表明情況可能正在改變。

Alternatively, people can exchange their cryptocurrencies for fiat currencies and then use that money to pay the bank or apply for a mortgage. Some countries, such as El Salvador, have even started accepting Bitcoin as a legal tender, which could make it possible to use Bitcoin for any kind of transaction in the future.

或者，人們可以將加密貨幣兌換成法定貨幣，然後用這些錢向銀行付款或申請抵押貸款。薩爾瓦多等一些國家甚至開始接受比特幣作為法定貨幣，這使得未來可以使用比特幣進行任何類型的交易。

When it comes to mortgages, there are several steps that can be quite complicated, especially for those who are new to this domain, and that's where a mortgage broker can come in handy.

當涉及抵押貸款時，有幾個步驟可能非常複雜，特別是對於那些剛接觸該領域的人來說，這就是抵押貸款經紀人可以派上用場的地方。

Some of these experts do accept cryptocurrencies as payment, but it's not very common, so those who are interested in hiring one will probably have more luck paying with fiat currencies.

其中一些專家確實接受加密貨幣作為付款方式，但這並不常見，因此有興趣僱用加密貨幣的人可能會更幸運地使用法定貨幣付款。

Since cryptocurrencies cannot be used in banks, many people tend to discard them as an option for mortgages altogether, without realizing some of the following benefits:

由於加密貨幣不能在銀行使用，許多人傾向於完全放棄它們作為抵押貸款的選擇，而沒有意識到以下一些好處：

It's worth noting that cryptocurrencies can also lose their value over time, and while they are not affected by governments, they can set laws and regulations that can forbid their use in any kind of transaction related to mortgage.

值得注意的是，隨著時間的推移，加密貨幣也會失去價值，雖然它們不受政府的影響，但它們可以製定法律和法規，禁止在與抵押貸款相關的任何類型的交易中使用加密貨幣。