What is a crypto-collateralized loan?

A loan where you pledge cryptocurrency (like BTC or ETH) as collateral instead of a traditional asset. The lender sets a loan-to-value (LTV) ratio, and if the crypto's price drops far enough to breach a liquidation threshold, the collateral can be sold to repay the loan.

How is a mortgage priced in crypto different from a normal mortgage?

The mortgage itself is still calculated in USD using standard amortization. 'Priced in crypto' just means showing what that monthly USD payment equals in BTC, ETH, or another coin at the current price — which changes as the price moves.

Are the crypto prices in this calculator live?

Yes. Prices are fetched from a live market data API and refresh automatically, with a visible timestamp so you can see exactly how current the number is.

CRYPTO

Crypto mortgage calculator

Model a loan collateralized by crypto, or a home mortgage viewed in crypto terms — prices are pulled live so figures reflect the current market.

Collateral & loan terms

Crypto asset

Collateral amount

Current price (USD)

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Loan-to-Value (LTV %)

Interest rate (APR %)

Loan term (months)

Liquidation threshold (LTV %)

Results

Collateral value today

Loan amount

Estimated monthly payment

Total repayment

Total interest

Liquidation price

See current rates from crypto-backed lending platforms

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This calculator is for illustration only and is not financial advice. Crypto-collateralized loans carry liquidation risk if the collateral's price drops — always check the exact terms with your lender. Live prices are supplied by a third-party market data API and may be delayed by a few seconds; always confirm the exact execution price with your lender or exchange before transacting. Consult a licensed financial advisor before borrowing against crypto or taking out a mortgage.

How this calculator works

A crypto-collateralized loan lets you borrow cash without selling your crypto: you pledge BTC, ETH, or another coin as collateral, and the lender advances a percentage of its value — the loan-to-value (LTV) ratio. If the coin's price falls far enough that your collateral no longer covers the loan at the lender's liquidation threshold, the collateral can be sold automatically to repay the debt. This calculator estimates your loan amount, monthly payment, and the price at which liquidation would happen.

A mortgage priced in crypto is a regular home loan — principal, interest, and amortization all still work in US dollars — but this tool also shows what your monthly payment equals in crypto at today's price, so you can see how that amount would shift as the market moves.