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要点：
与银行贷款不同，您无需拥有良好的信用评分，即可获得加密货币贷款。
通常，加密货币贷款供应商要求用户抵押其加密货币资产，以此获得贷款。
在无抵押品的情况下，获得加密货币贷款的风险极大，因为提供非抵押品贷款的“加密货币贷方”可能存在欺诈行为，意图窃取您的资产或身份。
为防止成为诈骗牺牲品，请考虑选择币安借贷这类可靠的加密货币贷款供应商。
在不将资产作为抵押品的情况下，是否有可能借入加密货币？有这种可能，但也可能是骗局。通常，抵押品用于保护加密货币贷方，因此听起来过分优越的贷款，如非抵押品贷款，很可能是假的。用户请务必谨慎，不要从无需抵押品的“贷方”处借入加密货币。
相反，您可以从可靠的贷方处申请加密货币贷款，如币安借贷，为您提供合理的贷款利率。币安借贷不会根据信用评分拒绝贷款申请，而是持有用户抵押品，以此降低贷款风险。
免责声明：在进行涉及加密货币贷款风险的交易之前，请务必做好尽职调查，并确保从可靠的加密货币贷款供应商处借款。
为什么加密货币贷款供应商需要抵押品？
抵押品可用作保证金
与传统贷款不同，借入加密货币无需信用核查。相反，贷方以抵押品作为担保，以此降低其贷款风险。如果借款方无法偿还债务，抵押品将被扣押。这种模式可用让缺乏信用记录的用户借入加密货币。
抵押品可用于计算贷款风险
加密货币贷款供应商也可以使用抵押品来计算个人贷款风险和贷款条款，包括付款期限、利率和可贷资金金额。理论很简单：抵押品价值越高，贷方风险就越低。
这可以通过计算贷款价值比(LTV)来完成。LTV是个人贷款价值与其抵押品价值的比率。借助LTV，币安借贷等加密货币贷款供应商可评估个人贷款风险水平，在提供加密货币贷款的同时为其业务提供保障。
计算币安借贷的贷款价值比
贷款价值比的计算公式如下：
贷款价值比(LTV) = 贷款金额 / 抵押品金额 x 100%
贷款金额 = 本金 + 利息
请注意，用作抵押品的不同资产具有不同的初始LTV。在计算LTV时，请参阅指数价格页面。有关计算LTV的详细指南，敬请参阅《如何使用币安借贷》。
非抵押品贷款的风险
陷入骗局
从加密货币贷方的角度来看，如果未做过信用核查或没有抵押品，就很难降低贷款风险。如果您确实能找到可选的非抵押品加密货币贷款，请谨慎辨别是否为骗局。您是否泄露了重要信息？贷方是否因诈骗案件而被媒体曝光？贷款条款听起来过分优越？其他用户是否在谈论其服务？这些都是您在验证加密货币贷方的合法性时，可能对您有帮助的一些问题。
在某些情况下，骗局受害者的交易账户已被锁定，无法使用其资金。欺诈者还可能试图诱骗受害者交出个人信息，包括账号和密码。
超高利率
合法的加密货币贷方不太可能提供非抵押品贷款，因为如果借款方无法偿还债务，那么贷方极易遭受损失。但是，有些加密货币贷方可能因为想要获得高额利息、提供更少的借贷资金或缩短回报期而提供此种借贷。但是，这些类型的贷款可能不适合希望通过杠杆交易增加头寸规模的交易者。这是因为交易者可用来获得足以偿还高额利息的高利润交易的时间窗口较短。因此，交易者应谨慎申请非抵押品贷款。
币安借贷的优势
币安借贷是一种贷款解决方案，能让个人以具有竞争力的利率获得加密货币贷款。获批的贷款由其币安账户中持有的合格加密货币资产作为抵押品进行担保。如果您想申请加密货币贷款，请点击此处，了解币安借贷的更多信息。其他优势包括：
提供广泛的资产
币安借贷拥有160多种可供借贷的资产，并接受50多种加密货币资产，包括比特币、以太坊和币安币。
透明化的用户界面
还款和利息自动计算生成，可供用户访问，允许借款方验证其是否能以具有竞争力的利率获得加密货币贷款。
贷款质押
提供的部分抵押品期权可以通过质押来产生加密货币奖励，这反过来又可以降低贷款利息。关于抵押品质押的更多信息，请访问常见问题解答。
提前还款
如果您提前还款，利息将仅根据您贷款的小时数计算。
一体化生态系统
借出的加密货币可以在币安生态系统的任何地方使用，包括交易、支付和提现。
结论
虽然有可能存在无需抵押品的加密货币贷款供应商，但这种情况极有可能属于骗局。请考虑使用币安借贷等受信任的服务供应商，以具有竞争力的利率借入贷款，避免您的身份或资产被盗。
准备好获得加密货币贷款了吗？请执行以下操作：
首先，注册币安账户或下载币安App。接下来，验证您的账户，以便访问更多功能并提高账户安全性。账户经过验证后，您就可以向币安借贷申请贷款。币安借贷提供广泛的加密货币贷款，包括比特币、以太坊、USDT和币安币。再次强调，在使用借贷的加密货币进行交易前，请务必自己做好调研(DYOR)。
