比特币抵押下降：澳大利亚房屋所有权的新浪潮？

探索澳大利亚如何出现由比特币支持的抵押贷款，为住房危机提供了新颖的解决方案，并弥合了数字资产与传统财务之间的差距。

G’day, folks! Ever thought you could use your Bitcoin to snag a house in Australia? Well, buckle up, because things are getting interesting. With Aussie home prices reaching stratospheric levels, a new player has entered the game: Bitcoin-backed mortgages. It’s like the Outback meets the blockchain, and the results could be a game-changer.

伙计，伙计们！曾经以为您可以使用比特币在澳大利亚抢走房屋吗？好吧，扣紧，因为事情变得越来越有趣。随着澳大利亚房价达到平流层水平，新玩家进入了游戏：比特币支持的抵押贷款。就像内陆符合区块链一样，结果可能会改变游戏规则。

The Bitcoin Mortgage Revolution in Australia

澳大利亚的比特币抵押贷款革命

Block Earner, an Aussie company, has just launched the country's first Bitcoin-backed mortgage. After a lengthy legal stoush with regulators, they’ve paved the way for crypto holders to buy property without cashing out their digital gold. How does it work? You use your Bitcoin as collateral to secure a cash loan for up to 50% of the property's value, topping it up with a regular mortgage. Your precious Bitcoin is kept safe by Fireblocks, a top-notch custody platform.

澳大利亚公司Block Carner刚刚推出了该国首个由比特币支持的抵押贷款。在与监管机构进行了漫长的法律法律之后，他们为加密持有人购买房地产而无需兑现数字黄金铺平了道路。它如何工作？您使用比特币作为抵押品，以获得现金贷款，最多可获得该物业价值的50％，并以常规抵押贷款为顶。您的珍贵比特币通过一流的监护平台Fireblocks保持安全。

Why This Matters

为什么这很重要

For years, Aussies have struggled with sky-high property prices. In Sydney, homes cost nearly 14 times the median income! Bitcoin, on the other hand, has been booming. Over the past year, its value has soared, making it an attractive option for those wanting to jump into the property market. This new mortgage product flips the script by valuing your crypto holdings, rather than just your salary or superannuation. It's a fresh take on who gets a fair go at owning a home.

多年来，澳大利亚人一直在高高的房地产价格上挣扎。在悉尼，房屋的成本接近中位数收入的近14倍！另一方面，比特币一直在蓬勃发展。在过去的一年中，它的价值飙升，这对于那些想要进入房地产市场的人来说是一个有吸引力的选择。这种新的抵押产品通过评估您的加密货币持有量，而不仅仅是您的薪水或退休金来翻转脚本。这是谁在拥有房屋的人中是一个新的。

Across the Pacific: The US Joins the Party

整个太平洋：美国参加聚会

This isn’t just happening in Australia. Over in the States, big players are also looking at crypto-backed mortgages. Fannie Mae and Freddie Mac are exploring ways to count crypto holdings as reserve assets for mortgage risk assessments. There’s even a new bill in Congress that would require lenders to recognize crypto holdings in mortgage evaluations. Imagine buying a house in the US without having to convert your crypto to dollars! It’s a sign of the times, mate.

这不仅在澳大利亚发生。在美国，大型球员还在研究加密货币支持的抵押贷款。房利美（Fannie Mae）和弗雷迪·麦克（Freddie Mac）正在探索将加密货币持有的方法算作抵押贷款风险评估的储备资产。甚至还有一项新法案，要求贷方在抵押评估中承认加密货币持有。想象一下，在美国购买房屋而不必将您的加密货币转换为美元！这是时代的标志，伴侣。

Challenges and Opportunities

挑战和机遇

Of course, it’s not all sunshine and lollipops. Bitcoin's volatility is a concern. Block Earner caps the loan at a 60% loan-to-value ratio and has a buffer to protect against price swings. If the price of Bitcoin plummets, borrowers get 30 days to top up their collateral. It’s a smart way to manage the risks, but borrowers need to be aware.

当然，这并不是所有的阳光和棒棒糖。比特币的波动是一个问题。 Block Earner以60％的贷款与价值比率限制贷款，并具有防止价格波动的缓冲。如果比特币的价格下降，借款人会得到30天的额外补充抵押品。这是管理风险的明智方法，但是借款人需要注意。

My Two Satoshis

我的两个satoshis

While Bitcoin-backed mortgages offer a compelling alternative, they're not a silver bullet. The inherent volatility of Bitcoin means borrowers must tread carefully. A sudden crash could put your home at risk. That said, this innovation could open doors for a new generation of homeowners who have been priced out of the market. It's a bold step towards integrating digital assets into the real economy, and that's something to celebrate.

虽然由比特币支持的抵押贷款提供了令人信服的替代方案，但它们不是银弹。比特币的固有波动意味着借款人必须仔细踩踏。突然的崩溃可能会使您的房屋处于危险之中。也就是说，这项创新可以为新一代的房主开门，这些房主在市场上定价。这是将数字资产纳入真实经济的大胆一步，这是值得庆祝的事情。

The Bottom Line

底线

Bitcoin mortgages in Australia? It sounds like something out of a sci-fi novel, but it’s happening right now. As the world of crypto continues to merge with traditional finance, who knows what’s next? One thing’s for sure: it’s going to be an exciting ride. So, keep your eyes peeled, do your homework, and maybe, just maybe, you’ll be paying off your mortgage with Bitcoin. Cheers to that!

澳大利亚的比特币抵押贷款？这听起来像是一部科幻小说中的东西，但现在正在发生。随着加密货币世界继续与传统金融合并，谁知道下一步是什么？可以肯定的是：这将是激动人心的旅程。因此，请保持眼睛剥皮，做作业，也许，也许，您将用比特币还清抵押贷款。欢呼！