> ## Documentation Index
> Fetch the complete documentation index at: https://docs.creda.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Borrow Assets

> Learn how to borrow assets against your collateral on Creda Finance

Borrow without selling your collateral. Keep an eye on your health factor and give yourself a buffer for market moves.

## How To Borrow

<Steps>
  <Step title="Supply collateral">
    Deposit assets and enable them as collateral.
  </Step>

  <Step title="Pick asset & amount">
    Compare borrow APYs. Enter an amount that keeps HF safely above 1.0 (aim for
    1.5+).
  </Step>

  <Step title="Confirm">
    Review new HF and costs, then approve the transaction.
  </Step>
</Steps>

## Rates And Risk

* Borrow APY is variable and rises with utilization
* Your health factor is: `(Σ collateral × threshold) / total debt`
* If HF \< 1.0, your position can be liquidated

Simple rule: size loans so routine volatility won’t push HF near 1.0.

## Isolation & EMode

* Isolation: when using isolated collateral, you can only borrow whitelisted assets and within caps
* EMode: for correlated assets, group parameters allow higher LTV but require single‑group collateral

Check the UI for the exact rules that apply to your position.

## Good Habits

* Set alerts for HF levels (e.g., 1.6, 1.4, 1.2)
* Keep repayment or collateral top‑up funds ready
* Review rates and utilization; refinance or adjust when needed

See Understanding Health Factor and Interest Rates for more background.