RET Loan & LTV Policy

1. Eligibility

• You must be a verified RET investor with a funded account.
• You must have already acquired at least one property using your own RET tokens.
• Loans are currently available only for eligible properties listed in the RET portfolio.

2. Collateral & Loan-to-Value (LTV)

• USDC Collateral: You must provide 70% of the property’s total valuation in USDC as collateral.
• RET Loan Amount: You can borrow up to 30% of the property valuation in RET tokens (LTV ≤ 30%).
• NAV per RET: For loan calculations the platform assumes 1 RET = $50,000 (subject to change as NAV is updated).
• Minimum loan size is 1 RET; current maximum is 10 RET per loan, subject to risk and policy review.

3. Interest & Pricing

RET loans use a modern, risk-based pricing model designed for mutual benefit:

• Base annual interest rate: 8% APR.
• Risk premium is added based on collateral strength, RET holdings, and LTV:
• Low risk: base +2% (approx. 10% APR).
• Medium risk: base +4% (approx. 12% APR).
• High risk: base +8% (approx. 16% APR).
• Exact rate and terms are shown to you before you confirm the loan application.

4. Term & Repayment

• Standard loan term: 12–60 months (3 years default, up to 5 years maximum).
• Repayments are structured as fixed monthly installments that include both principal and interest.
• The dashboard shows your next payment date, amount, total interest, and remaining balance.
• You can make scheduled payments directly from the investor dashboard under Your Loans.

5. Grace Periods & Late Payments

• Each payment has a due date. A short grace period may apply before a payment is considered formally overdue.
• Overdue payments increase your risk profile and may impact eligibility for future loans.
• In the event of persistent non-payment, RET reserves the right to take protective actions in line with the Terms of Use, including liquidation of collateral.

6. Key Risks & Disclaimers

Loans secured by tokenized real estate carry material risk:

• Market risk, including property value declines and token price volatility.
• Liquidity risk, including the possibility that tokens or properties cannot be sold quickly.
• Regulatory, tax, and technology risks (including smart contract or infrastructure failures).

This summary is for information only and does not constitute legal, tax, or investment advice. Please review the full RET-RWA Token Disclaimers and consult independent advisors before using leverage.