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[虚拟币交流]
比特币可以用于房贷吗?联邦住房金融局批准加密货币用于抵押贷款储备(转)
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美国住房管理局可能很快就会接受加密货币作为住房贷款申请的储备。
2 F3 c0 j0 C* a& v0 z$ L2 ?市场领导者预测,此次更新可能会减轻 BTC 的抛售压力。! j! Q+ q: D% U0 p8 C w
本周,加密货币领域又取得了一次历史性的胜利。! L6 i5 _, n" W3 D2 o' P/ m' a: E/ x
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在一个指示6月25日,美国联邦住房金融局(FHFA)指示房利美和房地美将加密货币视为单户抵押贷款风险评估的资产类别。
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, J7 Z% _. P( E3 R联邦住房金融局局长威廉·J·普尔特 (William J. Pulte) 签署的命令允许在不要求事先将加密货币兑换成美元的情况下结束贷款。* h" Y3 T3 K& e7 [6 X: b: f* K
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该指南的部分内容如下:
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2 C4 h" u+ F4 V- |8 ~“美国联邦住房金融局 (FHFA) 特此指示各企业准备一份提案,考虑将加密货币作为各自单户抵押贷款风险评估中的储备资产,而无需将上述加密货币兑换成美元。”
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普尔特额外此举对这两个行业来说都具有“历史性”意义,并符合特朗普总统对美国支持加密货币的愿景。该行政令将在“合理可行的情况下”尽快实施。% y% S9 d7 k$ y8 n1 A. Z+ f
, _) P/ y% W; P7 R+ h- j到目前为止,除非将其清算为现金,否则加密货币持有量在抵押贷款承销中基本上被忽略。
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但该指令现在允许加密资产(只要它们存储在受美国监管的中心化交易所)计入储备评估。, E% ?- }9 U, o% ^! X: d
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加密货币与 TradFi 合并——比特币会受益更多吗?9 U4 D/ x& P0 e3 \! R
自然,这一更新引起了加密货币领导者的迅速反应。
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3 _# A' n8 y" G9 w0 k& X% JStrategy(前身为 MicroStrategy)的创始人 Michael 塞勒表示,受到赞扬加密包含。( ^ F# r# d: t" q" N: i2 Z
- Q/ P. c9 J( b& d从角度来看,摩根大通是第一家采用加密 ETF 作为贷款抵押品的美国最大银行。# G! U8 p& B: e
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随着乔·拜登时代的反加密货币和去银行化指导方针的监管大幅放松,更多的银行可能会接受数字资产。& w' W- ?" B. C. z
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韩国和阿联酋等其他地区也出现了类似的势头。全面转向全球战略或将证实塞勒的预测。
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. J2 j6 Q; B; A! b! b, JSaylor 额外纳入可能主要有利于比特币[BTC].
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7 O" D( p- D5 y4 ?( R3 U4 f0 A“后代将会记住这一刻,因为这是比特币进入美国梦的时刻。”
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& U) Q& F- @6 b2 Y/ ]6 |" s大多数行业领导者都赞同这种思路,即使用 BTC 作为流动性的抵押品,而不是持有者出售其储备来支付账单。+ a. A+ s7 C. _+ I3 A l
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事实上,根据亨特·霍斯利数字资产管理公司 Bitwise 的首席执行官表示,随着时间的推移,这种趋势最终可能会减轻 BTC 的抛售压力。2 W2 L: ~3 P6 N! [
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他预测,当 BTC 达到 13 万美元左右的峰值时,可能会出现成熟和逐渐减少的抛售。# {1 Y3 N0 _+ s/ I# s1 y6 a+ m
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宏观对冲基金 Capriole Investment 的创始人 Charles Edwards 也倾向于 Horsey 的预测。针对加密货币支持贷款的最新消息,他著名的,
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) b, P: _; l0 s6 f4 Z“数百万比特币现在无需出售。重大新闻。”3 X- \# _. a# q1 w* U
. a7 o6 v3 ]+ l7 f3 J5 d0 X4 ?+ e总体而言,美国住房机构的举措可能会减轻未来 BTC 的抛售压力,因为 BTC 成为获得贷款和流动性的关键抵押品,而不必出售个人储备。+ I d" x5 [! R) B4 T# a
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以后拿比特币去贷款买房,是真的要成真了耶!, O" @5 ]$ u9 c7 m) I6 [
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