币安为稳定币用户推出固定利率贷款，增强财务可预测性

币安为稳定币用户推出了新的固定利率贷款选项，增强了寻求加密货币贷款的人的财务可预测性。

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.

币安为稳定币用户推出了新的固定利率贷款选项，旨在提高寻求加密货币贷款的人的财务可预测性。这一新功能允许借款人在贷款期内锁定固定利率，确保借款成本的稳定性。

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，币安为两种稳定币提供了此选项：USDC 和 FDUSD。对于 USDC，用户可以获得为期 30 天、固定利率 7.8% 的贷款，最低贷款金额为 50,000 USDC。对于FDUSD，同期固定利率为11%，最低贷款金额也为50,000 FDUSD。这些贷款可以让借款人提前了解确切的成本，避免在贷款期间出现意外。

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.

要使用此服务，借款人必须通过币安平台下订单，选择符合条件的资产作为抵押品。一旦订单撮合，借入的资金在扣除预先计算的利息后将转入用户的现货钱包。借款人必须在到期日之前偿还全部贷款金额，以避免滞纳金，滞纳金按贷款利率的三倍计算。

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，一旦订单匹配，资金提供者的资产就会受到币安的保护。所提供的资产以及应计利息将在贷款期限结束时返还给提供者。该交易所以超额抵押的方式管理贷款，以最大限度地降低清算风险，并提供自动还款和自动续订选项，以方便用户的流程。

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.

固定利率贷款的推出符合币安在市场上提供更稳定、更可预测的选择的目标。这一新功能为借款人提供了更大的可预测性，并为贷款人参与加密借贷提供了可靠的选择以及合适的系统。