📊 What Is LTV?
LTV
(Loan-to-Value) measures the ratio between your loan amount and the current
value of your crypto collateral:
LTV =
Loan Amount ÷ Current Value of Collateral
Because
crypto prices fluctuate, your LTV changes over time and may trigger different
alerts or actions depending on your loan type.
⚠️Pre-Margin Call: Early Warning
Each loan
type has its own Pre-Margin Call threshold.
When your LTV reaches this level, Nebeus sends you an early warning.
You will
receive an email asking you to:
Add more collateral or
Repay part of your loan
👉No collateral is sold at this stage.
🚨Margin Call: Critical Alert
Different
loan products have different Margin Call thresholds.
When your LTV reaches this level, you will receive an urgent notification.
Immediate action is required:
Add more collateral or
Repay part of your loan
If your LTV
stays above the Margin Call threshold for 3 consecutive days, this will
trigger automatic liquidation.
🔥Automatic Liquidation
Your loan
may be liquidated (repaid using your collateral) in any of the following
situations:
1️⃣LTV stays above the Margin Call threshold for
3 consecutive days
If you do
not take action during this period, the loan is automatically liquidated on day
3.
2️⃣Monthly interest remains unpaid for more than
10 days
Unpaid
interest automatically triggers liquidation.
3️⃣The final loan amount is not repaid within 3
days after loan maturity
If the
outstanding balance is not covered, the collateral is used to repay the loan.
What
happens during liquidation?
Nebeus will
sell part or all of your collateral to cover:
The loan principal
Accrued interest
Applicable fees
If the
collateral value is not sufficient, you remain responsible for any
outstanding amount.
After
liquidation, you have 7 days to repay any remaining debt.
🧮How to Estimate Risk Changes
Because
Margin Call and Pre-Margin Call thresholds differ between loan types, your
exact LTV limits are shown directly inside the Nebeus app for each loan.
To estimate
how market movements affect your loan, you can monitor:
Loan balance
Collateral amount
Current crypto price
Your LTV and health indicators
shown in the app
✅Quick Summary
|
Stage
|
What Happens
|
|
Normal
|
Your LTV
is healthy. No action needed.
|
|
Pre-Margin Call
|
You
receive a warning. Add collateral or repay part of the loan.
|
|
Margin Call
|
Urgent
action required. Add collateral or repay.
|
|
Liquidation
|
Triggered
if LTV stays above Margin Call for 3 days, or if interest is unpaid
for 10 days, or if final repayment is not made within 3 days after
maturity. Collateral may be sold.
|
🔗Learn More
Margin Call
and liquidation thresholds vary depending on the loan agreement and the loan
type.
For full details, see:
👉 When Does a Margin Call Start?
If you need
help understanding your LTV or loan health, feel free to contact our support
team anytime.