你能用加密货币获得抵押贷款吗？

加密货币已成为世界上最常用的货币之一。根据某些研究，至少有 6.17 亿人使用 BTC 或其他种类的货币

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.

近年来，加密货币变得越来越流行，一些研究表明，至少有 6.17 亿人使用比特币 (BTC) 或其他代币在线和实体店购买产品或服务。然而，尽管加密货币被广泛使用，但它尚未被广泛接受作为抵押贷款的支付方式。

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.

在英国和美国，银行通常只使用法定货币运营，这意味着它们不会接受加密货币抵押贷款付款。然而，一些金融科技公司，例如美国的 Milo，现在开始以加密钱包作为抵押品提供抵押贷款，并接受它们作为付款，这表明情况可能正在发生变化。

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，人们可以将加密货币兑换成法定货币，然后用这些钱向银行付款或申请抵押贷款。萨尔瓦多等一些国家甚至开始接受比特币作为法定货币，这使得未来可以使用比特币进行任何类型的交易。

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.

当涉及抵押贷款时，有几个步骤可能非常复杂，特别是对于那些刚接触该领域的人来说，这就是抵押贷款经纪人可以派上用场的地方。

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.

其中一些专家确实接受加密货币作为付款方式，但这并不常见，因此那些有兴趣雇用加密货币的人可能会更幸运地使用法定货币付款。

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:

由于加密货币不能在银行使用，许多人倾向于完全放弃它们作为抵押贷款的选择，而没有意识到以下一些好处：

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，随着时间的推移，加密货币也会失去价值，虽然它们不受政府的影响，但它们可以制定法律和法规，禁止在与抵押贷款相关的任何类型的交易中使用加密货币。