# Borrowing

## What You Should Know About Borrowing

Users decide to borrow assets when they believe that a specific asset has promising growth potential, or at least enough for the risk appetite of the user.

Borrowing against assets allows users to invest funds that they may not have had earlier, which leads to further expansion of the DeFi ecosystem.

## How To Borrow On Pinjam

To borrow capital on Pinjam, head over to the Reserve Overview page (can be accessed by heading over to the Home Page and clicking the Details button available for each asset).

Click the More button as shown in the image below.

<figure><img src="/files/72uxiP5Zz6nOvxTcAgkO" alt=""><figcaption></figcaption></figure>

A pop-up will then appear allowing you to borrow funds. Insert your desired amount and click Borrow.

<figure><img src="/files/As3NX98X6NSXNtwnecHP" alt=""><figcaption></figcaption></figure>

Complete the necessary steps to complete the transaction on your preferred wallet to complete your borrowing from Pinjam.

## How Much Can I Borrow On Pinjam?

The amount that you can borrow depends on your collateral value, the liquidity that's available for the asset that you intend to borrow, as well as the LTV of your collateral.

To break it down simply:

If your collateral has a 50% LTV that means you can borrow against half of its value so long as enough assets are available to borrow.&#x20;

Each asset has its own loan parameters, which you can find out more about in the “Repaying Loans” section.


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