#房利美接受加密资产抵押贷款 Major Breakthrough! Coinb partners with Better to Launch Crypto Collateralized Loans: Bitcoin and USDC can be used directly as down payments for home purchases, no need to sell coins!

A historic innovation in the U.S. housing finance sector! Coinb has partnered with mortgage company Better Home & Finance Holding Company to introduce the first crypto mortgage product supported by Fannie Mae.
Borrowers can directly use Bitcoin (BTC) or USDC from their Coinb accounts as cash down payments without selling their crypto assets first.
Product core rules:
Bitcoin collateral requirement: at least 250% of the fiat currency down payment value.
USDC collateral requirement: at least 125% of the fiat currency down payment value.
Example: For a $100,000 down payment, you can use $250,000 worth of BTC collateral or $125,000 worth of USDC collateral.
This product is government-backed by Fannie Mae, enhancing stability and compliance.

Why is this important?
Traditional mortgages mainly rely on income history, credit records, and liquid savings, leaving many young people who have accumulated wealth through crypto assets unable to qualify. The new product allows borrowers to use digital assets as collateral without selling coins, preserving asset appreciation potential and avoiding immediate capital gains taxes.
Coinb states, “This is a significant step forward in the real-world utility of crypto, offering added stability and the unique advantage of government backing.”
Better also emphasizes that this move will significantly expand the homebuyer demographic, especially among the younger generation with large crypto holdings but insufficient cash flow.
Housing affordability data: According to the NAHB/Wells Fargo Housing Cost Index (published March 2026), in Q4 2025, the median-income household (annual income of $104,200) in the U.S. needs to spend **34%** of their income on median new home mortgage payments. Low-income households (50% of median income) spend up to 67% of their income on housing costs, deemed severely burdensome by HUD.

Market significance: This marks the official entry of crypto assets into the mainstream U.S. housing finance system, with traditional credit assessment models beginning to incorporate “digital wealth” indicators. Similar products have been tested by non-bank institutions like Newrez and are expected to further popularize in the future.
For crypto holders: No need to sell coins in a bull market to buy a house, greatly enhancing the practicality and long-term appeal of cryptocurrencies.
Risk warning: Crypto prices are highly volatile, and borrowers should be aware that changes in collateral value may require additional margin calls.