> For the complete documentation index, see [llms.txt](https://docs.singlefinance.io/single-finance-korean/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.singlefinance.io/single-finance-korean/overview/undefined-2/lending-and-interest-rate-model.md).

# 대출 및 이자율 모델 (Lending & Interest Rate Model)

싱글 파이낸스는 대출 이자율을 결정하기 위해 삼중 기울기 이자율 모델을 도입하고 있습니다. 각 자산은 동일한 모델의 다른 매개변수를 사용하게 됩니다.

**차입 이자율 = 곱셈 계수 \* 이용률 + 기본 이율**

**대출 이자율 = 차입 이자율 \* 이용률 \* (1 - 대출 예비 비용)**

{% hint style="info" %}
*차입 이자율: Borrowing Interest*

*대출 이자율: Lending Interest*

*곱셈 계수: Multiplier*

*이용률: Utilization*

*기본 이율: Base Rate*

*대출 예비 비용: Lending Reserve Fee*
{% endhint %}

## 대출 풀 (Cronos)

### CRO *차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>15%</td><td>0.3</td><td>0</td></tr><tr><td>50%-90%</td><td>15%</td><td>25%</td><td>0.25</td><td>0.025</td></tr><tr><td>90%-100%</td><td>25%</td><td>100%</td><td>7.5</td><td>-6.5</td></tr></tbody></table>

### ***USDC** 차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>10%</td><td>0.2</td><td>0</td></tr><tr><td>50%-90%</td><td>10%</td><td>20%</td><td>0.25</td><td>-0.025</td></tr><tr><td>90%-100%</td><td>20%</td><td>100%</td><td>8</td><td>-7</td></tr></tbody></table>

### ***USDT, VVS, SINGLE, MMF** 차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>10%</td><td>0.2</td><td>0</td></tr><tr><td>50%-90%</td><td>10%</td><td>15%</td><td>0.125</td><td>0.0375</td></tr><tr><td>90%-100%</td><td>15%</td><td>100%</td><td>8.5</td><td>-7.5</td></tr></tbody></table>

### ***MUSD** 차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>1%</td><td>0.02</td><td>0</td></tr><tr><td>50%-90%</td><td>1%</td><td>3%</td><td>0.05</td><td>-0.015</td></tr><tr><td>90%-100%</td><td>3%</td><td>100%</td><td>9.7</td><td>-8.7</td></tr></tbody></table>

### 기타 *차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>15%</td><td>0.3</td><td>0</td></tr><tr><td>50%-90%</td><td>15%</td><td>25%</td><td>0.25</td><td>0.025</td></tr><tr><td>90%-100%</td><td>25%</td><td>100%</td><td>7.5</td><td>-6.5</td></tr></tbody></table>

## 대출 풀 (**Arbitrum)**

### *WETH* *차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>1%</td><td>0.02</td><td>0</td></tr><tr><td>50%-90%</td><td>1%</td><td>10%</td><td>0.225</td><td>-0.1025</td></tr><tr><td>90%-100%</td><td>10%</td><td>25%</td><td>1.5</td><td>-1.25</td></tr></tbody></table>

### ***USDC, USDT** 차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>10%</td><td>0.2</td><td>0</td></tr><tr><td>50%-90%</td><td>10%</td><td>15%</td><td>0.125</td><td>0.0375</td></tr><tr><td>90%-100%</td><td>15%</td><td>100%</td><td>8.5</td><td>-7.5</td></tr></tbody></table>

### 기타 *차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>15%</td><td>0.3</td><td>0</td></tr><tr><td>50%-90%</td><td>15%</td><td>25%</td><td>0.25</td><td>0.025</td></tr><tr><td>90%-100%</td><td>25%</td><td>100%</td><td>7.5</td><td>-6.5</td></tr></tbody></table>

## 대출 풀 (**Fantom)**

### *FTM* *차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>21%</td><td>0.42</td><td>0</td></tr><tr><td>50%-90%</td><td>21%</td><td>25%</td><td>0.1</td><td>0.16</td></tr><tr><td>90%-100%</td><td>25%</td><td>35%</td><td>1</td><td>-0.65</td></tr></tbody></table>

### ***USDC (Multichain), fUSDT (Multichain)** 차입 이자율*

<table><thead><tr><th width="150">이용률 범위</th><th width="150">최소 이자율</th><th width="150">최대 이자율</th><th width="150">곱셈 계수</th><th>기본 이율</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>8%</td><td>0.16</td><td>0</td></tr><tr><td>50%-90%</td><td>8%</td><td>12%</td><td>0.1</td><td>0.03</td></tr><tr><td>90%-100%</td><td>12%</td><td>100%</td><td>8.8</td><td>-7.8</td></tr></tbody></table>

## 수수료 매개변수 (대출)

#### 대출 예비 비용 = 차입 이자율 x 18%

참고로, 표시된 APR/APY에는 이미 이 수수료가 반영되어 있으며, 보여지는 대로 받게 됩니다.


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