# Borrowing

### **How can I borrow on Hubble?**

Here is a blog tutorial on [How to Use Hubble](https://blog.hubbleprotocol.io/how-to-defi-usdh/).

You can borrow USDH on Hubble as follows:

1. Navigate to the [Hubble App](https://app.hubbleprotocol.io/) and go to the Borrow section. 
2. Choose how much collateral you would like to deposit from the different accepted tokens you own. 
3. Choose how much USDH you would like to borrow against your collateral. 
4. Click Borrow to open your position.

### **What is the minimum I can borrow?**

The minimum borrowing amount is 2 USDH, which equates to $2. This also means that the minimum position in your account needs to be 2 USDH, and you cannot repay USDH to have a borrow of <2 USDH.&#x20;

You may need to acquire a small amount of USDH from the market to repay your whole debt, since you owe a fee plus the amount you borrowed. If it seems like you cannot repay your loan in full, this might be the case. &#x20;

### **What is the maximum I can borrow?**

At present, you can borrow as much USDH as you are able to provide collateral for. If you can provide $10 million worth of SOL, you can borrow 8 million USDH.&#x20;

We are in the process of implementing withdrawals caps across all assets in the protocol, including USDH. This is to prevent malicious actors from taking advantage of an exploit such as [infinite mint](https://coinmarketcap.com/alexandria/glossary/infinite-mint-attack).

### **What is loan-to-value?**

Loan-to-value, or LTV, is the total value of borrowed USDH compared to the total value of collateral deposited. LTV is expressed as a percentage.

LTV can be calculated as follows:

![](/files/Op5WDRNDWayG6BboKPG5)

So, if a borrower deposits $200 SOL and borrows 120 USDH:

![](/files/thtHr5Iw3O65mhdBi2jb)

The borrower now has a 60% LTV. Assuming an 80% maximum LTV, the borrower has 15% borrowing power remaining. If the borrower's LTV rises above 80%, they will be liquidated.&#x20;

### **What can be considered a ‘safe’ LTV ratio?**

Different users will have different risk thresholds/opinions on what is a safe LTV. Make sure you understand how liquidations work on Hubble and how this fits into your approach to risk.&#x20;

### **Is there a maximum loan duration?**

No. Your loan can remain open for as long as you want, provided that your loan-to-value (LTV) remains below the maximum LTV for the specific vault.


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