# Raise bLUNA LTV to 80%

**URL:** <https://forum.anchorprotocol.com/t/raise-bluna-ltv-to-80/2094>\
**Category:** General\
**Created:** [January 8, 2022, 2:55pm UTC](https://forum.anchorprotocol.com/t/raise-bluna-ltv-to-80/2094 "2022-01-08T14:55:36Z")\
**Posts on this page:** 1\
**Showing post:** 44

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**Author:** ![mariano247](https://sea2.discourse-cdn.com/flex016/user_avatar/forum.anchorprotocol.com/mariano247/32/418_2.png) [@mariano247](https://forum.anchorprotocol.com/u/mariano247)\
**Post date:** [January 28, 2022, 7:20pm UTC](https://forum.anchorprotocol.com/t/raise-bluna-ltv-to-80/2094/44 "2022-01-28T19:20:31Z")

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> [@cryptograk](#):
>
> Fair point. But if you are going to be rewarded for borrowing with ANC tokens, then something that helps the token price would encourage borrowing.

Not at all actually. This is something I have criticized quite a lot actually. [Proposal to decrease borrow APRs](http://forum.anchorprotocol.com/t/proposal-decrease-borrow-aprs-to-4-6/2195). Most borrowers dont care about those ANC rewards. All they care about is dumping them to be able to access cheap borrowing.

The borrow APR should be lowered to 3-6% which is what most protocols operate at and those ANC rewards should be given in drops, like the icing on a cake maybe financing 1-2% of the entire borrow APR. In contrast ANC tokens are currently being used to finance an unsustainable and absurdly high borrow APR which actually decentivizes borrowing.

I think there are some ways of giving ANC utility. But the way you are proposing just doesn’t cut it IMO

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