{"id":77333,"date":"2022-04-28T06:30:00","date_gmt":"2022-04-28T06:30:00","guid":{"rendered":"https:\/\/cn.cryptonews.com\/?p=77333"},"modified":"2023-06-26T11:26:46","modified_gmt":"2023-06-26T11:26:46","slug":"mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/","title":{"rendered":"\u7f8e\u56fd\u501f\u6b3e\u4eba\u73b0\u5728\u53ef\u4ee5\u4f7f\u7528\u52a0\u5bc6\u8d27\u5e01\u623f\u5c4b\u8d37\u6b3e (Crypto Mortgages) \u6765\u8d2d\u5c4b"},"content":{"rendered":"
来源：AdobeStock \/ sdecoret<\/figcaption><\/figure>

USDC.homes 是一个新的去中心化金融 (<\/strong>DeFi<\/strong><\/a>) 计划，它正在为美国购屋者提供 DeFi 的房屋贷款 (DeFi mortgages)，让用户能够使用加密资产来购买房屋，而无需先将其清偿。<\/strong><\/p>

该计划目前允许德克萨斯州的居民获得加密货币的房屋贷款，但该计划“很快地”将其产品扩展到其他州。<\/strong><\/p>

该计划提供无担保和担保的两种贷款选项，允许用户使用他们的比特币 (<\/strong>BTC<\/strong><\/a>)、以太币 (<\/strong>ETH<\/strong><\/a>)、美元代币 (<\/strong>USDC<\/strong><\/a>) 稳定币和其他流行的加密资产作为抵押品来获得加密货币的房屋贷款。<\/strong><\/p>

购屋者可以使用 USDC.homes 的借款额度高达 500 万美元，利率为 5.5%，需要 20% 的首付款。<\/strong><\/p>

虽然所有的交易都在区块链上处理，但借款人可以在申请时包含链下数据 (off-chain data)，例如他们的信用评分。<\/strong><\/p>

USDC.homes 建立在 Teller 区块链协议之上，这是一个 DeFi 计划，旨在允许区块链资产的借贷。<\/strong><\/p>

Teller 的创办人兼首席执行长 Ryan Berkun 认为，<\/strong><\/p>

“USDC.Homes 使可能的购屋者能够利用他们持有的数位资产来获得房屋贷款，从而为历来被排除在传统房屋贷款流程之外的纯粹加密资产持有人 (crypto-natives) 打开了大门。”<\/strong><\/p><\/blockquote>

USDC.homes 已经向一位德克萨斯州的居民发放了第一笔加密资产贷款，该居民使用 500,000 美元的贷款购买了价值 680,000 美元的公寓。该贷款属于无抵押的类别，且是根据该借款人的信用评分所授予的。<\/strong><\/p>

使用加密资产房屋贷款为加密货币用户提供了许多优势。首先，他们不必清偿他们的资产，这可以防止他们因税收、费用和跌价亏损而遭受可能的损失。<\/strong><\/p>

此外，借款人的首付款不会被出售，而是被抵押，所得的款项可用于帮助购买的屋主偿还贷款。<\/strong><\/p>

“借款人还可以透过抵押或其他产生收益的活动来运作他们的资产，从而获得首付款的利息，接着还可利用他们的被动加密资产收入来偿还房屋贷款，” Teller 在推特上说道。<\/strong><\/p><\/blockquote>","protected":false},"excerpt":{"rendered":"

来源：AdobeStock \/ sdecoretUSDC.homes […]<\/p>\n","protected":false},"author":47,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,6],"tags":[],"editors":[2415],"sponsored_companies":[],"class_list":["post-77333","post","type-post","status-publish","format-standard","hentry","category-news","category-bitcoin-news","editors-ada-chui"],"acf":[],"yoast_head":"\n\u7f8e\u56fd\u501f\u6b3e\u4eba\u73b0\u5728\u53ef\u4ee5\u4f7f\u7528\u52a0\u5bc6\u8d27\u5e01\u623f\u5c4b\u8d37\u6b3e (Crypto Mortgages) \u6765\u8d2d\u5c4b<\/title>\n<meta name=\"description\" content=\"来源：AdobeStock \/ sdecoretUSDC.homes 是一个新的去中心化金融\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u7f8e\u56fd\u501f\u6b3e\u4eba\u73b0\u5728\u53ef\u4ee5\u4f7f\u7528\u52a0\u5bc6\u8d27\u5e01\u623f\u5c4b\u8d37\u6b3e (Crypto Mortgages) \u6765\u8d2d\u5c4b\" \/>\n<meta property=\"og:description\" content=\"来源：AdobeStock \/ sdecoretUSDC.homes 是一个新的去中心化金融\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/\" \/>\n<meta property=\"og:site_name\" content=\"Cryptonews China\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-28T06:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-26T11:26:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cimg.co\/news\/77333\/186350\/image.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/cimg.co\/news\/77333\/186350\/image.jpg\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u7f8e\u56fd\u501f\u6b3e\u4eba\u73b0\u5728\u53ef\u4ee5\u4f7f\u7528\u52a0\u5bc6\u8d27\u5e01\u623f\u5c4b\u8d37\u6b3e (Crypto Mortgages) \u6765\u8d2d\u5c4b","description":"来源：AdobeStock \/ sdecoretUSDC.homes 是一个新的去中心化金融","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/","og_locale":"zh_CN","og_type":"article","og_title":"\u7f8e\u56fd\u501f\u6b3e\u4eba\u73b0\u5728\u53ef\u4ee5\u4f7f\u7528\u52a0\u5bc6\u8d27\u5e01\u623f\u5c4b\u8d37\u6b3e (Crypto Mortgages) \u6765\u8d2d\u5c4b","og_description":"来源：AdobeStock \/ sdecoretUSDC.homes 是一个新的去中心化金融","og_url":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/","og_site_name":"Cryptonews China","article_published_time":"2022-04-28T06:30:00+00:00","article_modified_time":"2023-06-26T11:26:46+00:00","og_image":[{"url":"https:\/\/cimg.co\/news\/77333\/186350\/image.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_image":"https:\/\/cimg.co\/news\/77333\/186350\/image.jpg","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/#article","isPartOf":{"@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/"},"author":{"name":"williamgfpl","@id":"https:\/\/cryptonews.com\/cn\/#\/schema\/person\/afc72208c152a5ead11aa40af12e15d3"},"headline":"\u7f8e\u56fd\u501f\u6b3e\u4eba\u73b0\u5728\u53ef\u4ee5\u4f7f\u7528\u52a0\u5bc6\u8d27\u5e01\u623f\u5c4b\u8d37\u6b3e (Crypto Mortgages) \u6765\u8d2d\u5c4b","datePublished":"2022-04-28T06:30:00+00:00","dateModified":"2023-06-26T11:26:46+00:00","mainEntityOfPage":{"@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/"},"wordCount":36,"publisher":{"@id":"https:\/\/cryptonews.com\/cn\/#organization"},"image":{"@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/#primaryimage"},"thumbnailUrl":"https:\/\/cimg.co\/news\/77333\/186350\/image.jpg","articleSection":["\u65b0\u95fb","\u6bd4\u7279\u5e01\u65b0\u95fb"],"inLanguage":"zh-Hans","copyrightYear":"2022","copyrightHolder":{"@id":"https:\/\/cryptonews.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/","url":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/","name":"\u7f8e\u56fd\u501f\u6b3e\u4eba\u73b0\u5728\u53ef\u4ee5\u4f7f\u7528\u52a0\u5bc6\u8d27\u5e01\u623f\u5c4b\u8d37\u6b3e (Crypto Mortgages) \u6765\u8d2d\u5c4b","isPartOf":{"@id":"https:\/\/cryptonews.com\/cn\/#website"},"primaryImageOfPage":{"@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/#primaryimage"},"image":{"@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/#primaryimage"},"thumbnailUrl":"https:\/\/cimg.co\/news\/77333\/186350\/image.jpg","datePublished":"2022-04-28T06:30:00+00:00","dateModified":"2023-06-26T11:26:46+00:00","description":"来源：AdobeStock \/ sdecoretUSDC.homes 是一个新的去中心化金融","breadcrumb":{"@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/#breadcrumb"},"inLanguage":"zh-Hans","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/"]}],"author":[]},{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/#primaryimage","url":"https:\/\/cimg.co\/news\/77333\/186350\/image.jpg","contentUrl":"https:\/\/cimg.co\/news\/77333\/186350\/image.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-jie-kuan-ren-xian-zai-ke-yi-shi-yong-jia-mi-huo-bi-fang-wu-dai-kuan-crypto-mortgages-lai-gou-wu\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cryptonews.com\/cn\/"},{"@type":"ListItem","position":2,"name":"\u7f8e\u56fd\u501f\u6b3e\u4eba\u73b0\u5728\u53ef\u4ee5\u4f7f\u7528\u52a0\u5bc6\u8d27\u5e01\u623f\u5c4b\u8d37\u6b3e (Crypto Mortgages) \u6765\u8d2d\u5c4b"}]},{"@type":"WebSite","@id":"https:\/\/cryptonews.com\/cn\/#website","url":"https:\/\/cryptonews.com\/cn\/","name":"Cryptonews China","description":"","publisher":{"@id":"https:\/\/cryptonews.com\/cn\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cryptonews.com\/cn\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-Hans"},{"@type":"Organization","@id":"https:\/\/cryptonews.com\/cn\/#organization","name":"Cryptonews China","url":"https:\/\/cryptonews.com\/cn\/","logo":{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/cryptonews.com\/cn\/#\/schema\/logo\/image\/","url":"https:\/\/cryptonews.com\/wp-content\/uploads\/sites\/11\/2023\/09\/cropped-CryptoNews-Logo-1.png","contentUrl":"https:\/\/cryptonews.com\/wp-content\/uploads\/sites\/11\/2023\/09\/cropped-CryptoNews-Logo-1.png","width":100,"height":91,"caption":"Cryptonews China"},"image":{"@id":"https:\/\/cryptonews.com\/cn\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/posts\/77333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/users\/47"}],"replies":[{"embeddable":true,"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/comments?post=77333"}],"version-history":[{"count":0,"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/posts\/77333\/revisions"}],"wp:attachment":[{"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/media?parent=77333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/categories?post=77333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/tags?post=77333"},{"taxonomy":"editors","embeddable":true,"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/editors?post=77333"},{"taxonomy":"sponsored_companies","embeddable":true,"href":"https:\/\/cryptonews.com\/cn\/wp-json\/wp\/v2\/sponsored_companies?post=77333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}