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持有加密货币也能申请贷款?

一家老牌日本公司已经开始提供加密货币担保贷款。该公司表示,这是日本首个使用加密货币作为抵押品获得日元贷款的服务。

新的贷款计划

Abic公司周五宣布推出比特币贷款服务。该公司公告称:“从6月1日起,我们提供以虚拟货币比特币(BTC)作为抵押品的贷款。”

Abic公司成立于1973年,总部设在东京,提供的担保贷款产品范围非常广泛,包括商业贷款和房地产贷款。

该公司写道:“在欧洲和美国,提供ICO(首次代币发行)和贷款的服务正在增加,将比特币等虚拟货币作为抵押品。”

比特币担保贷款(Bitcoin secured loan)是一种服务。正如其名称所表明的那样,客户可以用比特币作为抵押品获取贷款,但它是日本首个可以用加密货币担保贷款日元的服务。

该公司解释说,获得这类贷款的一个主要好处是:在日本,对于个人而言,如果你出售自己的虚拟货币,那么这笔交易的资本收益将作为杂项收入而受到累进税制的影响。”而累进税收高达55%。

该公司强调,其加密货币担保贷款为客户提供了获取资金的渠道,无需出售其加密货币。该公司敦促客户将其加密货币担保贷款以用于各种用途,如购买新的虚拟货币和纳税等。

最近,据日本国家税务机关的报告披露,2017年有331名收入超过1亿日元(约合91.4万美元,不包括养老金收入)的纳税人的杂项收入是以加密货币申报的。

贷款条件

Abic公司的加密货币担保贷款对企业和个人都适用。贷款金额在200万日元(约合18,260美元)到10亿日元(约合913万美元)之间,年利率在2.98%到15.0%之间。

客户可以借一个月到五年。贷款最多可以分60期偿还,不需要预付费用。滞纳金为20%/年。

该公司解释说:

我们将保存你的加密货币,并设定质押……一般来说,质押是用虚拟货币作为抵押品来设定的,但一旦该虚拟货币市场价格上涨,就有可能卖出。

此外,该公司保证,以比特币作为抵押品时,客户仍将收到任何可能在这段时间内的硬分叉虚拟货币。该公司表示:“即使你以比特币作为抵押获得贷款,也不用担心会失去分叉的权益。”本周,有报道称一群律师准备对日本加密货币交易所提起集体诉讼,因为这些交易所不向客户提供分叉币服务。

An established Japanese corporation has begun offering loans secured by cryptocurrency. The company says this is the first service in Japan where loans in Japanese yen can be obtained with cryptocurrency as collateral.

New Loan Program

Abic Corporation announced Friday the launch of its bitcoin loan service. “From June 1, we offer loans with virtual currency bitcoin (BTC) as collateral,” the company’s announcement reads.

Founded in 1973 and headquartered in Tokyo, Abic Corporation offers a broad range of secured loan products including commercial and real estate loans.

“In Europe and the United States, services that provide ICOs [Initial Coin Offerings] and loans are increasing, with virtual currency as collateral such as bitcoins,” the company wrote, elaborating:

Bitcoin secured loan is a service where [customers] can receive loans using bitcoin as collateral as its name implies, but it is Japan’s first service to receive [crypto-secured] loans in Japanese yen.

One major benefit of obtaining this type of loan is that, in Japan, “In the case of individuals, if you sell your own virtual currency, the [capital] gains on that sale will be miscellaneous income and will be subject to progressive taxation,” the company explained. This tax can be as high as 55%.

Emphasizing that its crypto secured loans give customers access to funds without having to sell their crypto, the company urges customers to use its crypto secured loans “for a wide range of purposes such as new virtual currency purchases, [and] tax payments.”

Recently, news.Bitcoin.com reported on Japan’s National Tax Agency revealing that 331 taxpayers with 100 million yen (~US$914,000) or more in miscellaneous income, excluding pension income, declared cryptocurrencies in the year 2017.

Loan Terms

The crypto secured loans by Abic Corporation are available for both businesses and individuals. The loan amounts are between 2 million (~US$18,260) and 1 billion yen (~$9.13 million) with annual interest rates ranging from 2.98% to 15.0%.

Customers can borrow for a period of between one month and five years. Loans can be repaid in up to 60 installments with no prepayment fee. The delinquency charge is 20% annually.

The company detailed:

We will keep your [cryptocurrency] deposit and set the pledge…As a general rule, pledges are set in the virtual currency of the collateral, but it is possible to sell as soon as the market price rises.

Furthermore, the company assured that while holding bitcoins as collateral, customers will still receive any forked coins that may split off during that time. “Even if you receive loans with bitcoins as collateral, there is no worry that the right in division will be lost,” Abic reiterated. This week, news.Bitcoin.com reported on a group of lawyers preparing a class action lawsuit against crypto exchanges in Japan that do not grant their customers their forked coins.


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