Bitcoin Forum

Hear me out I want to break down the risks potential rewards and your thoughts
Three years ago (2022) I almost did something crazy take a $50K bank loan and buy Bitcoin

I had doubts back then I thought What if it crashes? What if I can’t pay back the bank
I hesitated I played it safe and now looking back BTC has skyrocketed If I had taken that risk back then I’d be sitting on a huge profit today
The thing is the fear of losing the loan kept me from acting
If I had taken that risk I’d be sitting on a life-changing profit today
The regret? Real

few weeks ago I saw my friend took a loan of 30k to buy a new car and I been thinking how people take risk for material things such Car,Trips,Houses etc even to Gamble
I have the House and do own a Car but don't know that is stopping me to take this risk

I know it’s not the same as three years ago BTC is volatile, interest rates are higher and $50K is still a lot to borrow
But I don't want to make same mistake again

So here’s my question
Would you take a $50K bank loan to invest in Bitcoin today?
Or is this just deja-vu waiting to go wrong?

Nope. Taking a loan and investing in Bitcoin is just double the risk.

With hindsight, it looks like a golden opportunity that you missed to utilize but what is your backup plan if bitcoin went down from there? You will be able to pay the loan back and not to forget the interest rates adds up from the next moment you took out your loan.

And you didn't miss a life changing moment, assuming bitcoin was like 40-50K range in 2022 and now it is at 112K so your would have probably doubled the money and need to pay back the loan and you will be left with an amount like 30K, and if that you call life changing amount then the bank would not lend you 50K in the first place.

No I won't take $50k to invest in bitcoin, because it is not advisable to invest in bitcoin with loan,  remember bitcoin is not a get rich quick scheme that you can just invest your money in it today and expect to make profits tomorrow. Instead I will look for a source of income if i don't have any and invest in bitcoin with my discretionary income consistently until I reach my accumulating target, instead of taking loan to invest in bitcoin, because taking loan to invest in bitcoin may endanger my bitcoin investment on the long run which may lead to selling off my bitcoin investment at early stage of accumulation if am not able are to get money to pay back my loan.

It is obviously everything going wrong already if the voice giving such an advice has been obeyed already, because such endeavor to borrow and invest in a volatile asset is as bad as it sounds and in the financial world it would be referred to as investing with leverage and it surely guarantees that one is heading for a massive loss party.

It may in a turn of events be a good thing to borrow and invest in a potential profitable business or even a cryptocurrency with a proven track record, but when it comes to investment in Bitcoin the risk is much and one must be willing to hold for long to actually make a good return on investment in the cryptocurrencies number one asset, Bitcoin.

It is a bad call to consider taking a loan to invest. In your head, you may feel that it is a good idea with a very good chance of success, but there are a thousand things that could go wrong, and you will surely regret it.

I think it is always better to invest within your means, little by little through accumulation. With discipline, your little act of accumulation can amount to a whole lot within a very short period with proper dedication. A loan will put you under immense pressure, pressure that you may never be able to handle.

Disagreed. You completely missed his point. Most people are taking out loans for all stupid stuff like a new car. You don't need a new car that you can't afford. So if pretty much everyone is doing this for stupid stuff why should he not take out a loan and do something smarter with it like invest in Bitcoin? You need to look at the loan data for the average person in the US. To make things worse they even tend to owe money at the worst possible rates like credit card debt.

If you are aware of the risk and are able to get a good deal on the loan and this will not bankrupt you under any circumstance, go for it. Please keep in mind that the investment can be lost and that if you want to have good prospects of winning you need to stay here long-term. I know a few people who did this with shitcoins and they lost money but they repaid their loans without issue. I also know some people who did it with Bitcoin and they for sure don't regret it.  :D

Nonsense emotional voodoo from someone who does not know how to trade or invest. This has nothing to do with a bad call.

People even started taking loans for their honeymoon and things but that's not my point here. What if the bitcoin price crashes after the loan is that person capable of paying it back along with the interest?

Investing our money is smart choice rather than spending it but I don't have the same opinion if someone is taking loan and want to invest.

You didn't buy bitcoin when its price was 7 times lower than the current one, but now that the price of bitcoin is at its highest, you decided to return to the issue of credit. If the bitcoin price is adjusted, then you will have to wait a very long time to get a profit from your investment, but you will have to pay the bank's commission for the loan every month.

As much as we tell people to invest with Bitcoin but not with borrowed money. With this, you can't have that risk to take and you're paying off together with the interest once you take it. And as you hold bitcoin, there is no assurance that you're going to have it asap and withdraw it in profit. But if you can take that risk and you know what is happening and the thought of yours is wanting you to push for this, who are we to stop you? Although the best thing for you to do is to DCA, dollar cost average. Buy every single time when you have some money.

Never borrow money to invest in Bitcoin. You don't know for how long you are going to need to hold until seeing your investment getting more valuable. It may take 1 month, but it can also take few years, so prepared for every potential scenarios. With that in mind, you have to be aware about the fact you are likely to have to pay heavy interest to the bank or loan shark without making any profit from your BTC investment meanwhile.

Actually, to borrow money is always a desperate decision which should be taken only as the last possible alternative available. Avoid paying interest as much as possible, as it will slow down the development of your finances.

I never suggest anybody to take a loan to trade, its similar to hitting your own ankle. A lot of things could go wrong and there is a chance of making money as well. If you are willing to take that risk, do foresee what would be your backup money source to pay back the loan before you commit.

Rushing in to buy bitcoin has never been my way of thinking. I suggest people to keep buying at the lows every time the market drops to build a stash over years.

You could do differently and still make good money at a risk.

It is not recommended even for investment while for trading, there are more reasons to don't recommend taking any loan for trading.

Bitcoin market is volatile and the most popular advice is "Invest what you afford to lose" so taking a loan for your investment is risky and why it is not recommended.

Taking a loan raises more risk as firstly, there is loan expiration, loan interest and loan liquidation while if you take a loan for trading with leverages, you double risk of possible liquidations. When a liquidation happens, you will lose very big part of your initial capital used as collateral for your loan and your leveraged trading position.

This page from Coinglass with many data on market liquidation is enough for showing risk of taking a loan for either investment or trading in this market.
https://www.coinglass.com/LiquidationData

Regret indeed happens if you remind the past. But at that moment, do you think about how you will repay the loan with high interest? Can you finish the loan without any problem? The risk will be bigger if you don't have money or a steady income that you can use to repay the loan. We can not just borrow money and invest in Bitcoin without thinking about repaying the loan.

I don't want to borrow money from anyone including the bank especially if I don't have income or a salary. That will get me in trouble and the bank will not care. If we fail to repay the loan, the bank will blacklist us from all of their network. I can not risk that so I prefer to take the safe way. After all, I feel it is enough of what I have done so far by investing in Bitcoin using the money I can afford.

Absolutely no.

If this could have been a successful strategy in the past it doesn't mean you should do it now. Past performance doesn't guarantee future results.
And in fact, things would be much worse.
Lending money from a bank could ruin your credit score in america and then good luck renting a house, buying property, getting student loan assistance for your kids and whatever else.

Do you want to be a second class citizen just for owning some BTC? Don't take dumb risks  with your finances. Since you ask this us the only sensible answer lol. The us credit score system is like a surveillance state apparatus. Don't try to mess with banks lol

I highly recommend against this plan. In many countries, you'll have to demonstrate the profitability of a professional trader to increase your deposit and cover the bank's interest. It's like shooting yourself in the foot. It's better to find a part-time job and save money from it, combining this with a frugal lifestyle.

I will not take such a big risk. Let's say I actually have the ability to pay for it from my job salary; I would not use a loan to invest. The thought of taking a loan to buy Bitcoin might stem from your greed and regrets in the past.

The situation may be different now, because when the time comes for you to need money to pay the loan, it's not guaranteed that you will have made a profit from the Bitcoin you bought. Know your capabilities first; if you can only set aside $100 or less each week to buy Bitcoin, then just do it consistently, and you will have Bitcoin without the pressure of paying a loan.

If I can afford a house of my own and a car too, it means I have something going on for me that I earn from. What is stopping me from sacrificing a portion of my income and lock it up in bitcoins? Just to invest it lump sum and ignore it for a very long while.

Again, if I can't do this, I can decide to DCA with the little money I have instead of waiting for a huge amount before I invest. There are lots of options available for me to choose from and taking a loan will never be one of those options.

That's never a good idea. It might pay well but so can gambling and that's exactly what it is, gambling. If you want to take such a big risk, why don't you play roulette and bet on black? Which one was the winner color? Black or Red? I forgot. Or was it green? Has green ever won? Fuck it, a wise man once said never bet against black so go black and never go back. Back in Black.

You can also do leverage trading on binance which is essentially the same thing. But I again, I don't recommend these. Instead of doing these desperate moves, go save some money and invest in bitcoin like every other sane person does. There is no easy way and the way you are describing is not just hard, it is bat shit insane. Don't do et.

Did you calculate the interest first before you thought of it even if you didn't take that loan? What if you can't pay it in months and the Bitcoin you bought was drowning too? I think it was a good idea back then but you'd probably shitting your pants if you've bought it early 2022 and you probably thinking way of selling it halfway. There might have been scenario like that if you've bought it during that year, might have been great to reminisce it but you may change mind depending on circumstances.

Go all in to bitcoin is good because the potention to reach the high prices in the future is very high and if you invest on bitcoin i think your investment value will be increasing following years but the most problem is loan from the bank has monthly debts so, you should have regular job to pay the interest until the installments are paid off and for some people $50k is huge amount which mean the monthly interest will be high too and if you can solved this condition and you can ensure pay your debt for every month i think loan from the bank and invest on bitcoin is not a bad idea

First I have to understand what my financial situation is, if you take a loan, will you be able to repay the loan or not. If a person is in a position to repay the loan, then there is no problem if he wants to take a loan and invest. If a person thinks that by investing in Bitcoin, I will keep the amount of money that will be earned from that place and I will repay the loan again with the invested money. If a person thinks like this, then it will be like gambling with himself completely. For example, Bitcoin is a very volatile currency market, no one can ever say in advance what will happen.

If you invest with a loan, if your investment goes down and if you are unable to repay the loan, then you may have to sell your house and repay the loan or you may have to go to jail for not paying the loan. So first, see if you can repay the loan or not. If you can repay the loan, then you can invest with a loan and if you are unable to repay the loan, then it will never be the right decision for you.

To take a loan to invest in a volatile asset is just like gambling which is always two sides. So you have to check what happens if the price drops and stays down there for long while your loan repayment time fast approach, you will be in the risk of losing your collateral and that is usually higher than the loan itself. So you have to check your repayment source even if you want to take such loan but to depend on the bitcoin investment profit to repay the loan debt, is just as good as gambling.

But at the moment, to take such risk is not worth it because the price of bitcoin has been on support and struggling up and down, meaning the volatility is reducing and anytime soon the bear might take over. Therefore, to invest in bitcoin is better at the bottom not from top.

Taking loan will always be risky, most especially for a volatile investment like bitcoin. But if you have a reliable and stable job to pay the monthly amortization, why not? However, $50k is a huge amount, but if you think you can afford to lose this in the long run, because of the fact that bitcoin investment has no guarantees to profit consistently in the next 5 or 10 years, then I don’t see taking a loan is a bad idea.

Without taking a huge risk, you will never gain a life-changing investment outcome as well. But if you want to play safe, it’s better to only take a calculated risk.

OP gave us a small information and I don't have much to give either. Each loan from each banks has an interest rate and we don't know where OP want to take his loan and how much interest rate he is going to charge. If they are going to make the loan a long term and the interest rate is low and affordable, then he can go ahead but only if he has a source of income. He can't depend on the Bitcoin the money to pay back the loan, your wallet might have not mature to pay back.

Some people has become a Bitcoin owner through this and this is why some people preferred DCA. It's not a must to have an amount of Bitcoin at a place, you can buy and hold the little amount you collect as salary assuming you work and want to pay. Be doing DCA gradually until you are able to discuss an amount Bitcoin you have always wanted and you don't have to deal with the interest rate the banks are going to give you. Don't remain on debt if you want to be comfortable.

Business often runs with some debts helping it. It is also possible for an investment. But the question is whether there is another source of funds to back it up in case of failure or a delay in profit? It should be that way, and we carefully analyze our position before doing it.
Think it over again. And don't put your life into a situation where you are in doubt, and most of all, when you are not capable enough. Perhaps you can see it for yourself if you can really pay it back on time.

I won't do it. My credit score is not even up to the level where anybody or bank will give me $50k credit  ;D. Even if it is, I cant pay back if it fails so its a bad idea for me.

However, I feel that many people in the thread are making it sound worse than it is. There has to be context before giving suggestions in things like this.
First of all, do you have a means to pay back if the investment fails? If you invest in Bitcoin and it crashes, do you have a means (income from your job or business) to completely pay off the debt over time without wrecking your financial life?

Also, will the place you're getting the money from give you the loan for a long term? For most loans, you're required to start paying back within a year. We all know Bitcoin is a long-term investment. You have to leave it for 4-5 years. So, are you taking a long-term loan where you're not required to pay back for at least 5 years?

I don't think it's as bad as people make it sound. It's only bad if you don't have a backup plan. If you have nothing to fall back on if the plan fails, and you have to give up your house or business (what you used as collateral), then it's a bad idea, but if you have a way to pay back the loan if it fails, then it's not that bad.
If push comes tosholve, you can sell your bitcoin when its crashing, that way, even if you're at a loss, you wont be losing the whole $50k.

You are having a FOMO now and that's why you have to think of it carefully. But if you're that person who'll be allowed to take a loan as big as $50k, that's good for you. If I am going to be this as serious as you, I'll save it first before doing any decision of having it. Give yourself a time until next year and think if you still have the same thoughts in your mind of doing this risky move. Because I wouldn't do this and I don't want to invest in Bitcoin with loan money. Others want you to take that risk but it's not a kind of risk that everyone can take.

You are missing the point, those comparisons are the point that he is trying to make. Otherwise why mention people taking out loans to buy a car? It is not relevant to the question unless he wants to make direct comparisons.

Nothing? You are not paying back the loan from the invested Bitcoin. You should never take out a loan that you can't pay back in any case so there is no problem here. Worst case the money is lost and you pay back the loan as originally planned. The whole world practically runs on debt, and people here shy away from it like it will instantly ruin your life. This does not say good things about the experience of users here.

As I said, there is nothing wrong with this compared to the most reasons why loans are taken. It is much better than most of those reasons. Don't make it out to be something that it is not.

Yeah, they don't sound like they have experience. I even have some friends who took loans and went into failed shitcoin investments. What about it? They are just paying back the loan as regularly as they planned and hopefully they learned their lesson about shitcoins.  :D

Investing in bitcoin is very good for long term but the loans that you are trying to take did you mean that you won't pay back the loan in a short term. Taking loan to invest in bitcoin is not really advisable because is volatile and anything can probably  happen in the future, so to minimize your risk the best things is too look for another source of income and get funds and used that as your investment, because many people I know that are taking loans in bank are business people and in business you can get to pay back loans easily if the business you are doing is bringing huge profit.

But I notice in life that everything is all about risk if you didn't take risk you won't easily achieve what you are chasing. Because am sure that some took loans before getting better profit in bitcoin, and many people are scared of taking high risk and probably lose the money. Op if you think taking a loans can favour you can take the risk everything can be possible you can be profitable if you take the loans and invest and probably the price can decrease so think wisely and see which one can favour you most.

But you are missing the point too, the one who is taking a loan will be hoping to make profits from the capital and pay back the loan so there is no plan B if bitcoin crashed which is what I am raising what it is. An average middle-class joe spends his entire life savings to pay the mortgage for the house he wanted to have and if the plan fails then this is another trap that may end the dream of getting finanical freedom which is why I said it is no different and we need to follow the process save=>invest=>ROI=>loop so even if the growth looks small that comes with no risk and you don't realise the power of compouding which makes it much bigger in the longer run.

I won't and I don't think you should take a loan to invest in Bitcoin either, Bitcoin isn't going anywhere although the price will keep on increasing but you can buy Bitcoin through Dollar cost averaging. You can buy Bitcoin in small quantities that your money can reach and in that amount of years, you'll be capable to have own as many Bitcoin as you wished without owing the banks any interest. Don't be in a rush to invest in Bitcoin that you'll have to take on debts. Consider the fact that anything can happen at anytime and it'll better to not be under any pressure to sell because the market is crashing and you're owing debts.

No, because there are several things to consider.
1.I don't expect the Bitcoin price to double or triple in the next 2-3 years. Maybe there might be a 50% price growth, but nobody knows what is going to happen. Many people predict a bear market coming next year. Using borrowed money increases the risk, so the reward must be higher.
2.Banks in my country would never give me a 50K consumer loan. The biggest consumer loans, which banks can lend in my country are around 10-15K euro. If you are talking about a business loan, I would have to present a business plan to the bank and tell them how do I plan to invest those money. I don't believe that telling the bank "hey, I want to use the money to buy Bitcoin and HODL" would convince them to give me a loan.

My point exactly because you can't make an investment with loan money and you are expecting to repay the loan plus interest from proceed of same investment. If you are seeking to do that then you will be in immerse pressure. If you collect loan, the next 24 hours you already have a day out of the repayment date while your investment is not yet yielding profit. So it is not a wise idea to take a loan for a volatile asset investment like bitcoin if you don't have a primary source of income that you are sure money will come from. Otherwise, stay out of it to avoid unnecessary blood pressure, losing your colleteral or court cases especially with the bank.

Fear was what stopped you. You want a soft life but you feared the risk of a loss. In this industry, you've to be resolute and adventurous to be able to break through the chains of fear.

By the way, $50k is a huge amount of money in my local fiat (I guess in the US too). I don't know what country you're from but I want to believe that amount is huge too pin your country. I don't think banks will grant such amount of money without a collateral. So, what collateral where you thinking of using for the loan? I think you should've sold that collateral for Bitcoin instead of going for a loan.

Would I take out a loan to invest in Bitcoin? Nope. I would rather use my savings for it or sell off certain assets to get what I want. I detest bank loan.

Never take out a loan just to own Bitcoin, as it's very risky. While Bitcoin has the potential to generate profits, especially in the long term, there are no guarantees. Bitcoin is unpredictable, and anything can happen, sometimes even beyond your expectations, and you'll still have to repay the loan and interest.

You mentioned owning a house and a car. My suggestion is to sell your car or other expensive items that can be exchanged for cash to buy Bitcoin. I think that's much better, and you won't be burdened. If Bitcoin generates profits, you can buy it back, and even better, you can save the profits or a portion of them to use when Bitcoin generates substantial long-term gains.

Do not only look at the profit the loan could have been now but also think about the years it has been from when you could have borrowed the money till now because if it was 2022 you wanted the money it could have have been three years going to four years now and you no that bank cannot give four years to pay back your loan, although I don't no the maximum time banks usually give but i believe it cannot be that long, I only no that they usually give within few months or a year so actually if you had taken it, the due date could have been the following year and there is no profits you could have gotten then so actually the thinking of what you could have had now should have been if the money was yours.

It depends on the interest rate and terms of this specific loan. Also your capabilities to pay it on time even if you lose all the funds invested on Bitcoin is important to consider since it’s not guaranteed that you will be in profit by the time you will need to repay the loan.

Overall, I don’t disagree to the idea of doing it since it’s for investment purposes. You just need to balance and consider everything before you do that loan because it might cause you financial problem later on if you didn’t manage the repayment of the loan.

Don't regret the past, and what if things went wrong and you lost that loan? As you know, Bitcoin is a volatile asset and profits can never be guaranteed from it. I strongly reject the idea of taking a loan, or selling your car, your house or any luxury item you own just to trade or invest, that would be a grave mistake..

Why not accumulate Bitcoin in a more balanced way,, such as DCA? Over time, you can build up a decent amount of Bitcoin. All you have to do is save more money than you need and invest it, instead of taking out a loan that may destabilize your life and even expose you to jail if you can’t repay it.

Any of us would feel fear to take out a loan for investment, because there are no guarantees that Bitcoin will meet your expectations. Thank God you were prevented from going through with such an act. My advice to you is not to make this unwise decision in your life or to think about such high-risk things for the sake of investment.

Here's a high-level strategy one could theoretically explore with a bank loan, but be warned, this is extremely risky:

You could convert the fiat from the loan into Bitcoin. Then, use that Bitcoin as collateral to take out a second loan in USDT. Finally, you would stake those USDT to earn a double-digit APY.

In a perfect scenario, the yield generated from staking could potentially be enough to cover the interest payments on both the original bank loan and the crypto-backed loan.

Taking a loan to invest in Bitcoin is not advisable because there is no guarantee that, when someone is ready to pay back the loan, the Bitcoin investment will be profitable. It’s even possible that the price of Bitcoin could drop when the time comes to repay the loan. For that reason, it doesn't make sense to take a loan to invest in Bitcoin.

The one situation where I think someone might consider taking a loan to invest in Bitcoin is if they have another way to repay the loan without relying on the Bitcoin investment. In that case, I wouldn’t say it's a bad idea.

Let Just imagine someone owes you money and promises to pay it back in a short time. Then, during that period, they see an opportunity  maybe the Bitcoin price has dipped  and they take a loan to invest in it. If the investment performs well, they could use the profits to repay the loan.

We know Bitcoin is a volatile currency so one should not take a loan to invest in Bitcoin. If taking a loan, you will have the pressure to repay the loan and also pay high interest, which can be difficult for you to hold the investment for a long time. And there is no guarantee that you will benefit, so it may be that you may need to sell the investment at a loss to repay the loan. So don't regret the past, always focus on the future. However, if you want to invest in Bitcoin then you can invest in DCA method from your income instead of taking loan. Finally, don't invest more money than you can afford to lose.

But not everyone is like that! I think the least informed people approach taking loans like that. If you take a loan to buy Bitcoin and which you plan to pay back with Bitcoin that is an extreme risk. That is not the correct way to do it. You take out a loan which you invest in whatever but you plan to pay it back with your regular salary. If you get lucky with your investment then paying back the loan becomes easier. If not then it just returns to the originally planned way. I gave an example in my post how some people that I know did it.

As long as you approach the loan the correct way nothing catastrophic will happen.

Very wrong. The interest rate which you have to pay has nothing to do with Bitcoin or any pressure. These days interest rates are good and getting better unless you have a terrible credit rating, but that is on you.

I'm willing to take a loan to invest in bitcoin if the price is undervalued as heck, such as post FTX collapse, the price was so cheap you can easily multiply your capital.
If it's now, I won't do it. Too much risk for me and I just better off doing DCA, it's risk free and I don't want to get the burden of paying off debt just because silly mistake you know.

If the other alternative is buying highly depreciating asset then maybe I will reconsider. But lets be real, in this case your alternative is just to do DCA and be debt free.

In all fairness, borrowing money to invest is not a bad idea but it is not recommended either, and this depends on your financial situation.

If you have a stable job and income, you can be confident that you can repay your debt on time regardless of your investment performance. There is nothing wrong with borrowing money to invest. But on the contrary, if you are unemployed, have unstable income and want to get rich quickly. Borrowing money to invest is a bad idea.

Therefore, only you can know whether you should borrow money to invest or not, because none of us know your financial situation.

You can take a loan for something important. But most people take a loan to buy things that they don't really need. They just want to follow the trend and lifestyle but with loan money. But if you want to take a loan from the bank to invest in Bitcoin, you should calculate how much you can pay monthly and how you can cover your expenses.

It is not a problem if you have an income so you can pay the money monthly. But if you don't have a salary or income, you will difficult to pay because you don't know when you can sell your Bitcoin. If you are not sure, it is better not to take a loan because you may confuse what you want to do. No need to take a risk by taking a loan to invest in Bitcoin but you can use your free money constantly using DCA methods.

It does not matter how well you try to paint the risk to reward ratio, i am never going to advise anybody to take a loan to invest in bitcoin, at least not a huge loan like $50k. That said, there are still some factors to consider: how 'rich' is the investor, do they have funds tied up in other assets that they could liquidate and pay back the loan if something goes amiss, do they have savings in fixed deposit accounts or properties they can sell, etc.

There is a reason why the rich take loans to invest or start a business. It is because their funds are in assets, and rather than liquidate it, they would take loans, use their large assets as collateral and pay back the loans later. So make of this what you want, if you think you have enough to cover this loan no matter what happens, you can give it a shot. You also have to consider how high the interest on the loan is, and do your analysis if it is worth it.

I just want to say that investing is risky and there are no guarantees. The higher the return, the greater the risk. Therefore, you need to consider carefully and be extremely careful when investing in highly volatile and high-yield assets like bitcoin. Don't be naive to think that bitcoin is risk-free and holding it for a short period of time can give you 2-3 times profit like the stories you read on social media.

Bitcoin is not a get rich quick scheme, and not everyone who invests in bitcoin makes a profit. Besides people who became rich thanks to bitcoin, there are also many people who lost money and even went bankrupt when investing in bitcoin.

Any form of borrowing, under any circumstances, and for any reason, can never be justified as investment capital.

Investing is risky. I understand it can be profitable, but it requires considerable time and effort, especially in the spot market. One reason people always advise us to invest with idle cash, or money that won't be used for living expenses, is because of the risks and uncertain returns, and the unpredictability of when they will arrive. So, avoid borrowing money for investment; it will only cause problems.

If you are taking loan from bank then you have to pay it back on time with interest and failure to that can have severe consequences. Now if you take loan and invest all that in Bitcoin then there are chances that your money might get struck for long duration and you won't be able to pay your loan on time. Those who don't have huge capital to invest in Bitcoin can go for DCA strategy, where you invest small amount on weekly basis. It's best way to get profit while minimising the risk. Just avoid bank loans at every cost.

Tessy its not good to take loans to invest in a risky investment like bitcoin that have a very volatile market reactions, you mentioned that you own a car and a house nice one but that is not a guarantee for you to start taking dangerous risks, like loan foe investment, if luck is not on your side, you may end up losing that house or car depending on the amount in loan you have taken.

There won't be any need for OP to take a loan if he had a stable job to payback the loan. If he has a job, it is always better to keep investing a part of his salary in bitcoins every month instead of going a risky way. Loans are not that bad. We should use loans but it really depends where we are using the loan amounts. A very basic example will be to take a loan to buy a house instead of paying full cash. This way, you not only save heavy upfront cash payment but also get some tax relief. You can invest that money elsewhere and keep paying a small premium every month against the loan.

Seems like OP have missed an opportunity 3 years back and yes we have seen a huge price action since that time but now might be a riskier time for OP to start thinking about investing loan money into bitcoins. We did even see rate cuts so interest rates will not be a problem but still somewhere I feel like this can be a risky move.

This is not correct. The rich have been using borrowing/leverage to get richer for a very long time now, borrowing is not bad, it is how you do it and for what reason you take the loan. If you have funds in other appreciating assets, it is much better to take a loan for a new investment or business, than selling your assets. You not only save yourself from paying capital gain tax, but you use your existing assets to borrow and invest, so you are still generating money from your initial investment and your new venture.

That said, it has to be done right. It has to be low-interest loans and you must do your due diligence on the new investment or business you want to get into. The idea of investing with "idle cash" is flawed and you can never get rich doing that.

Sometimes I really can't believe what people are writing here. I ask myself can someone really think that? Borrowing is used for investment capital all the time. In fact capital investment is the most common reason for borrowing money in the world, by governments, by institutions, by companies, and by the rich.

As I said as long as the plan is to repay using your standard means of income and not from the business venture or investment there is nothing too dangerous about it. The poorer complain of the rich but you can see in the example of this thread that they are not able to even have an understanding of the basic tools that the rich use regularly.

The straight answer is NO. I will not take such a risk. For you, you have to think deeply and take advice from your financial advisor. Because about you we can't decide; we aren't your financial advisor at all, and you have to encounter potential loss. We know Bitcoin will skyrocket more in the next year. But on the other hand, some predictors are saying we will encounter a bear market and that Bitcoin could even dump below $70K. If something like this happens, then you have to suffer.

For me, if I have a handsome job or business, then I would do DCA to accumulate Bitcoin instead of taking the loan. After spending my family cost, I would buy Bitcoin; I will consider that a future saving. When Bitcoin reaches a noticeable target, then I would take my profits. So you have to think from your perspective and circumstances.

Regardless of the purposes for which the loan is taken, it will be necessary to provide collateral equal to the amount of the loan, interest and expenses of the bank in case the loan is not repaid on time. And this is an obstacle to obtaining it if the borrower does not own real estate or other valuable property.

The market is full of uncertainty; your plan in 2022 could go either way. You’re regretting not taking a loan because of the Bitcoin price spike, but what if, after you take a loan, a long bear market ensues? You will then have to cut your losses, and you will regret taking a loan.
The golden advice of only investing with money that you can afford always applies, and taking a loan to invest could get you in trouble. Investing in cryptocurrency is never counting your chickens while they're still eggs; there is no guarantee in a highly volatile market.

The idea of ​​investing with a loan can be dangerous at times, and the consequences can be bad. We know that Bitcoin has a lot of potential, but even then, buying Bitcoin with a loan is a difficult decision. Because the market is very volatile, sometimes the market can go into a downtrend for a long time, and this can create a lot of problems for you. So if you intend to buy Bitcoin, you should definitely use money that you can hold for a long time without causing you any problems. Maybe there was an opportunity in the past that you are regretting now. But think about how much trouble it would have created for you if the market had moved in the opposite direction at that time and you would have been trapped in a debt trap.

Therefore, any investment and trading with debt always puts an investor under a lot of mental stress, which affects their concentration and leads to making wrong decisions.

This a very risky strategy to be honest. But I don’t see it impossible to happen. And just like what we keep hearing, the bigger risk we take, the higher its possible returns will be, and bitcoin is not an exception. The higher the amount you invested in bitcoin, the more massive the profits you will reap in the future. So I don’t think this is a bad idea, because if you are capable to pay the said loan, then there’s no reason stopping your plan and goal.

However, just don’t expect immediate profits. Bitcoin profits can be guaranteed, as long as you are willing to wait for years or even a decade before you decide to sell your coins.

My question is, why so rush in taking profits? You can still invest using your spare money, and just buy bitcoin regularly, it only requires patience to see your portfolio growing slowly but with sure profits. Unlike if you take a loan with a huge amount and invest them all, and expect instant profits, only to find out in the end that btc price keeps declining until you start to freak out and decide to sell all your coins instead, now you end up selling at a loss and would surely face difficulties in paying your loan especially if you have no regular job to rely on.

This is just one of those possible scenarios, and this is highly possible to happen if you invest without knowing the risk well and how to reduce all those risks involved.

bitcoin is a typical volatile investment with a large difference in monetary value inside the same year.
it's already enough a risk to have huge investment if you can't access quickly to liquidity.
Even if in some cases btc has outperformed, get heavy debts itìs not helpful. a loan rarely could be seen as an instruments for making profit.
The worst timing would erase any profit, in some cases would become even negative as effect.
It's always better to avoid any issues as trader, unless a real expert.

Just because you want to invest in Bitcoin doesnt mean that you should put yourself in financial peril...what would you do if you lose the $50k, even though that chances of losing everything entirely is very low the risks are too high...borrowing money to invest in Bitcoin is a bad idea, think about what happens if you lose the money, you are going to be in debt...start with the amount that you have and increase it gradually

Good and bad idea sometimes. Good in the sense that you're aisle free and people are to invest in trace. However changes can occur but then the reasons for taking the loan just for investing sakes should not be taking for granted. Cause are bigger risks and they tend to be taken with cautious.

The chances of losing everything are very small, but you have to be careful not to get stuck on the narrow way of two mountains. You should always think about keeping the way smooth and try to keep alternative routes open. If you want to buy Bitcoin with a loan, then you have to think about the risk aspect first. If you get a loan with a low interest rate for one or two cycles and have a stable income stream to repay that loan, then taking a loan may be the right decision.

It is better to increase the size of Bitcoin by gradually increasing accumulating and this strategy reduces the UP in the investor's portfolio.

A 100% no.
There is no reason for me to take a loan and invest in something volatile. I never know what will happen in the future. Meanwhile, I will have to pay the debt no matter what my financial situation is. I know Bitcoin grows more, and my investment can become 2x or even more after a few years, but I won't gamble by taking a loan from the bank. It's just absurd. No one should take a loan to invest in Bitcoin or other cryptocurrency knowing it's too volatile.

If you have your money already, consider buying some Bitcoin and holding it for a few years if you want. But there is no reason why you would take a loan from bank and invest in something which is considered as risky investment.

I don't know where you are from but if you are from a 3rd world country then $50k is a lot of money, and whoever can borrow that amount of money must have assets worth many times that amount. It means you are considered to be financially well off and are looking to make a big investment.

If so, why not seek advice from financial advisors in your area? Because in my opinion, through direct communication between you and them, they will know exactly your condition and will be able to give better advice. Instead of seeking advice on social media when you haven't even provided your financial situation. How can we give you useful advice when we know nothing about you?

Bitcoin halving happened in April 2024. You are investing in Bitcoin 1.5 years later, this is called FOMO. Bitcoin has already reached a new all-time high and 1.5 years have passed since its halving, which means that soon the bear market will start. To be fair, today is very different from every other day in Bitcoin's history because there weren't Bitcoin Spot ETFs approved years ago and the price in 2024 started rise even before halving but I think that it's very risky today to get a loan and invest in Bitcoin. You have to keep in mind your bank's interest rates too. If they are high, you'll be mentally very stressed and Bitcoin might not give you 10-20% profit anytime soon. If I were you, I wouldn't do it.

This can turn out to be one of the biggest mistake in your life. Taking bank loan to invest in bitcoins does not only have certain risks but also immense pressure of making profits no matter what happens.

Please remember you can hardly make any profits under pressure. You should only invest money which is sitting idle for years and is not of much use. That way, you will keep your emotions out of the trade and eventually will end up making profits. There's no point in regretting your 3 years old decision. You never know what would have happened if you would have taken that loan to buy bitcoins. Even in a small dip, you might panic and start selling which will end up in loss.

People take loan to buy assets like car, home etc but these loans are secured and are usually backed by the asset. If the bank feels like the loan is not paid back, they can simply seize the asset and recover the money. But in your case, you will have to take a personal loan which will not be secured so you either need a strong civil score or need a guarantor.

If I have an old car that I'll sell and I'll invest all of the proceeds to bitcoin, that's a good decision.

But if I am going to take a loan and with that amount for buying bitcoin, it's a no for me. I know how it goes when investments come from borrowed money.

I am going to all in with bitcoin but I don't want to have that burden of having a loan. People are different, if you can pay that and owing is your only way, think of how big or small you can afford to pay.

I certainly wouldn't take out a loan, because my investment perspective isn't just about profits, but rather ensuring that every dollar invested doesn't incur additional burdens. You might be right if you consider taking out a loan in 2022, as the bull market hasn't arrived yet, and the current momentum is precisely for profit taking, not buying.
I know you're aiming for long-term investment, but can your estimated balance withstand the harshness of the bear market that's looming, and are you mentally prepared?
Don't take risks you can't quantify. Invest wisely based on careful consideration, not solely focused on profits.

Yes, not to mention the interest rate that must be paid. I see that Bitcoin increases only a few percent per day (average 2%), and I assume that the profit you get will only be enough to pay the interest on your loan unless you have a long-term accumulation plan of at least 5 years. But ultimately, borrowing money for investment is still not recommended. If you don't have the money, it's clearly better not to start investing yet, wait until you have money that is not used for living expenses. Basically, DCA is a good investment strategy, it makes it very easy for the middle to lower class to participate in Bitcoin accumulation gradually. So, instead of taking out a loan and allocating the money all at once, it's better to use a weekly or monthly DCA strategy depending on when you have the money.

selling what you own, as long as it doesn't interfere with your food needs and won't incur bills, can be the right decision than loan. However, taking out a loan to invest in Bitcoin could be a mistake. Never just looking at the current situation, but also need to consider what will happen if the market correction more deeper than predicted by most Bitcoin market analysts or our own analysis after taking loan while, our bills can't be postponed when the due is come. Although selling the car method isn't recommended too, if you absolutely have to invest, this is the best option than loan, since you don't have a car and there's still public transportation can be use.

You're correct. I think, so much money should not be loaned to make a bid. Moreover, we always have to keep an eye on the market but the market is not always on its own. And on the other hand, the debt becomes more concern. Since we are likely to lose in investing. So should always invest with your own money. There is some loss of it, but we will have no thought. And I can be free from thinking of different sites. However, it is possible to invest in Bitcoin with long -term thoughts. Because Bitcoin Market is unstable and sometimes good situation will go into good positions. And Loss will be recovered.

Even if Bitcoin is an amazing thing that never seems to lose it's rising value, it does have price volatility. One minute 5% more another 10% less. You might have to hold for a long time. What if it crashes and stays below the price you bought in at? Can you hodl for at least 3 years? 

If you can actually pay the loan back without having to sell your coins, then you might make a real profit, if Bitcoin keeps going up. If you are depending on the loan as your get-rich-quick scheme then you might find yourself unable to pay it back if Bitcoin stays in a bear winter again.

Well, that's just an example if I desperately want to invest. I won't take a loan but I have to sell my stuff for me to invest with. There will be no obligations later and I can buy again that car or any afterward if I make some decent profit after a year or more of invested.

And that's true that as long as there are public transportation in our areas, it's still easy to travel around and go hop to the supermarkets and grocery stores.

It's better to dispose a thing to invest to Bitcoin than to take a loan and you might default on it for that reason.

Logically taking bank loans for investment purposes comes with so much risks and most times people take risks for unnecessary purposes instead of the benefits of making profits for longer term.Imagine how your friend tend to take a risks of a loan in buying a new car but then your idea is quite alright but I've you maximized the profits to be made from it? Then again I wouldn't advice one to obtain a loan for such reasons as you're putting the investment on a freak out

Just like others, I would not recommend taking a loan to buy bitcoin.
I know, it could be very tempting at times seeing that bitcoin has grown so much over the time.
But ask yourself first, are you really comfortable taking this loan and if things go south, would be able to pay back the loan on time ?
If you hesitate to answer this then don't go for it. If your answer is yes, then you must be having a good income and in that case, I would rather suggest collecting money and then buying bitcoin with your savings instead.
Yes, it would take longer to accumulate more bitcoin but you would be stress free in every situation.

Yes i know that just an example, and that why I agree with this approach. Cars are necessary for our mobility as workers, ensuring we come to the office on time. However, there are alternatives that could be used, at least while waiting for the Bitcoin price surge again, to sacrifice a car for an investment, hoping that Bitcoin will be worth more than our car prices, and there won't be the burden of monthly bills from loan. Of course we will face a negative experience, because public transportation can sometimes be less than ideal, especially in small or developing countries. However, as a citizen of a small country, taking the risk of borrowing from a bank is even riskier than selling car for investsment.

Usually, people who dare to take out a loan are to reinvest in a long-running business, not as investment capital, because, as you said, that's far riskier than other options. Therefore, taking out a loan must have a clear purpose and be completely reasonable to avoid new problems, as with investment, there's no guarantee of immediate profits. We can see wealthy individuals taking out loans to expand their businesses, although they also invest, but not with borrowed capital, because the loan capital is only used in businesses that generate monthly cash flow.

Not all cars are bought through financing or loan, there are people that purchases it through cash and paid in full. And so, disposing it won't be problem to them.

Because that there is no monthly obligations anymore, they're free to move that whenever they can and that's one of the good things about paying it in full time.

You will not have any problems in monthly and if you want to sell, you can.

If you asked me 3 years ago (around 2022), I would say HELL YEAH!!!!!.
Now in 2025 where the risk is way higher than the reward that you might get, I don't force you not to do it, but I don't recommend you doing it, and instead way for the bear market season to happen.

I will never forget the user here (can't remember his username though), where he shared it here that he sold his land just to have money to buy Bitcoin. That was way back in 2022 when the market is down. 3 years later, I'm pretty sure he's happy with his decision because he more than tripled his money that he got from selling his lands. Now he can buy another land again plus have some spare money to use still.

If you're planning to get a loan from a bank and invest in Bitcoin TODAY, I will suggest not to do it, and wait. Please be patient. The risks are higher right now compared to the reward that you can get. Markets move in cycles so there will always be an opportunity for you to buy at a much lower price. Just wait for it. Don't take a loan today, but maybe do it in the following months. :D

This is a well-known fact and it is the reason why the rich find it easier to get loans at low interest rate. They basically take loans against their existing investments. Why sell their assets to invest in a new venture and pay capital gains tax, when they can collect loans against these assets and use the borrowed funds to start a new business or invest in a new area.

That said, the poor and middle class do not always have this luxury, and even if they manage to get loans, it is smaller loans with high interest rate. So for the poor they have to slowly grow their asset column, starting small, but with discipline and determination it is possible to break out of poverty.

The first question to ask to the op and anyone who is of the opinion of taking to do investment is to know if there is an already established business of there's to run back to if they lose the money they invested not just in Bitcoin to every other business they may have in mind. Taking loan to invest in any business is bad but if the is a business they is already generating funds that you wish to expand them taking loan to expand it isn't a bad idea.

Sole persons are funny, why borrowing borrowing in the first place when you can actually invest in Bitcoin with amount that won't weigh you down, why the financial stress by some people to themselves, no doubt Bitcoin investment is a good investment for the future, it is a store of value and wealth but I don't think any financial advisor will ever advise anyone to borrow to invest a volatile asset theres a reason for that, anything that's called investment has a concept and approach that has to be followed, if investors what to be safe, I don't think what matters here is losing because I don't think anyone that tries this will lose.
the only thing that will happen here is the depreciation of such assets price from time to time which may even increase higher than the invested amount in the future, my problem here is the repayment process of such loan because if the investor rely on the investment to repay such loan, such investor may run into more thousands or millions of interest he or she will be paying back to the loan facility which i think is loss, so how wise will such decision be.

People are looking at it from one perspective alone, which is why they're disagreeing. If you put everything into context, it's not as bad as it seems. If he had said he wants to take a loan to start a business, they might have said "it's a good idea", but they fail to see that he stands a better chance at making a profit from bitcoin than from the business.

As long as he's not taking money he can't pay back if the investment fails and he won't be wrecked, there is no big deal. Also, if it's a long-term loan, then there is little to worry about because if Bitcoin remains at the current price in 4 or 5 years, all he has to do is sell it off, add a little of his own money and pay off the debt. Worst-case scenario, he will incur a little loss.

Do you think it’s a good idea to take a loan and invest in bitcoin? I don’t really think that’s a good idea because even banks interest is not always small. Am not always in support of taking loan to invest in bitcoin, but if you are planning to take loan, then there are some things which you are suppose to put into consideration before doing that. Firstly you should check the loan repayment duration, you should also check the interest rate of the loan, and also make sure you should be able to pay back the loan without depending on the investment.

If you are planning to take loan, then make sure you are able to pay back the loan without depending on your investment, but if you can’t pay the loan, then just stay away from bank loan to invest. You might take a loan from bank, and when your loan is due, bitcoin price might be down at that money and you will be selling at loss if you want to sell it, and you will have to pay bank interest also.

If you have a means to pay back the loan without selling your investment then it’s fine, you can take the loan, at least you won’t be disturbed even when bitcoin price is dropping.

Bank loans repayment do have a fixed-term basis. It's not a simple money borrow where you will pay depending on when you want.

You can't pay it partially by yearly basis at most cases as an example. Where will you get the monthly amortization for that loan?

Compute also the overall interest on that kind of amount and you might end up speechless. Aside from that, if we based here in our country, bank loans payment terms here 1 year, 2 years and 3 years (cash loans). I can't imagine how much you should pay for $50,000 loan.

Let's say you can cover the monthly amortization until the end, still, it will be a gamble to you. If you push on that loan and buy bitcoin then let it just rest and idle, hope that your gamble will worth a risk or else, your bank might end up acquiring your property if you missed paying your dues several times.

I will never buy Bitcoin by borrowing from a bank or from anyone because it is not good to do anything by borrowing. If you bought Bitcoin by borrowing fifty thousand dollars in 2022, you may have been successful there, then you should invest again with your maximum since you have previous experience. I have no previous experience and no current experience because I do not want to do anything by borrowing. I am constantly investing some part of my income in Bitcoin. I hope that the part of my income that I am constantly investing in Bitcoin will bring me maximum success at some point, I will be able to hold it for a long time without any worries and come out with success.

From what I have seen and known, I have not seen any person succeed by taking a loan. Moreover, if you calculate the interest that will come from the bank on $50,000 after a long period of time, you will see that you have to pay a lot of interest to the bank. Therefore, it will be good for you to avoid bank transactions and bank loans because you should never be excessive in order to get more.

In my point of view borrowing money to invest wether it is bad or good depends in different factors, firstly the type of investment, yes bitcoin is an investment that has great potentials but you should also consider that it is a long term investment taking 5-10 years for solidified results, and in my point of view owning someone that amount of money for so long will be crazy and will not do such, but there are still some Investment that takes a short period of time as long and this is where the second factor comes in, how good is what  your investing your money with is?  Even if you have a short term investment it has to be very productive and trust worthy, so you taking loan for any investment must be based on this considerations

The first impression would be, it’s highly risky to invest by taking a loan. But if you analyze it well, while some people take loans to build their house and buy some luxury cars that won’t clearly give them good returns, then taking a loan to invest in a potential asset and expect long-term profits is not that bad at all. As long as you know the nature of your investment and how it’ll works, then it becomes a good guarantee that the risk you take will definitely paid off in time.

It only requires a brilliant mind and a brave heart, so that your investment will keep thriving throughout the tests of time.

Well I never do think this is a good thing for a investor to do. We do know price of Bitcoin is very volatile you can lose alot of your investment so fast.

Taking a loan would make me very scared I can not pay the loan back. It will also matter what my interest rate for a 50k loan is going to be. Yes you will probably make profit. But it also does matter when you must pay back that 50k loan and the interest.

People really have no clue how much 50k is. If you really could take out a 50k loan, then do you know how many business' that you can start? There are literally countless amounts of business ideas that you can do with 50k, and most of them would be easy to make money from if you are from within, and that means if you are working, and have an understanding of how business works, then 50k should be enough to start your own, unless you are in oil or something.

There are so many people who could start a business with 50k from the experience they gained from the business they are in. Like if I had 50k, then I could turn that into about 2k dollars a month for.. well forever. That is repaying itself in 4 years give or take, include inflation and interest that breaks even with each other.

You are correct that bitcoin is very volatile. That said, there are a few things that must be considered. In order to be able to take out a $50k loan, you probably have assets that you can take the loan against, those assets would be the collateral on the loan. Another thing to point out is that not everybody can get a $50k loan.

Now, i am not advising people to take loans to invest in bitcoin, but if someone manages to get a good deal, by that i mean a low interest loan that runs for a long time and they have enough assets that can act as collateral for the loan, then it might not be such a bad idea to take a loan to buy bitcoin. Of course you wouldn't go crazy and take out a loan that is equal in amount with your assets or collateral, but 30-40% of it seems like a good way to start.

It is not bad to borrow for some tasks. For example, if you want to start a business and need $8k to start your business, if you have $5k, then borrowing the remaining $3k is not a bad decision. However, Bitcoin is a volatile currency, so borrowing to invest in Bitcoin can never be the right decision. According to many experts, one should invest in Bitcoin according to their ability. However, if there is not enough money to invest in Bitcoin, then you can start accumulating Bitcoin in the DCA method but should stay away from taking loans.

Taking a 50k bank loan to invest in bitcoin sounds tempting because of the potential upside but in reality it is one of the riskiest moves someone could make loans come with fixed repayment schedules and interest regardless of how bitcoin performs the bank will expect monthly payments and if the market dips you could find yourself owing more than your investment is worth. Bitcoin has always shown long term growth but its short term volatility is brutal it can swing down 20 or 30 percent in a matter of weeks if that happens while you are repaying a loan the stress could be overwhelming and missing payments would lead to penalties or even the bank seizing assets.

Using borrowed money removes flexibility because you no longer get to decide when to sell or hold you are forced into making decisions based on repayment deadlines instead of market conditions that pressure often leads to losses because you may be forced to sell at the worst time just to cover your obligations. Investing in bitcoin should only be done with discretionary funds money you can afford to hold for years without worrying about repayment schedules or interest rates that way you can wait out volatility and truly benefit from long term appreciation taking out a bank loan for such an uncertain and volatile asset is less of an investment and more of a gamble with consequences that extend beyond just losing money it can affect your entire financial stability.

If you have a regular or stable source of income and you know that you qualify to get a loan from the bank, then I think it’s fine if you invest it in Bitcoin only,
as long as you plan to hold it for the long term around 10 to 15 years.

But if your source of income isn’t that stable, I suggest you don’t go through with taking out a bank loan, because it would just be like picking up a stone to throw at your own head.
It’s risky to gamble in that kind of situation, OP.

Yeah, that is literally the worst idea. Taking a loan to be able to pay it back with bitcoin profits is the worst idea and worst way to make money, there is nothing you can do to make this better, it is not going to be easy and it's going to cause a ton of trouble for everyone. You should not do this, and you are going to end up with a better method to get greater results. It is going to be something that will definitely hurt anyone's finances. But, if you can take 50k loan and can pay it with your salary, then yeah that's not a bad idea.

I have done something similar long back, much smaller of course, and benefited from it a lot. But the difference was, I paid from my salary, and did not pay from my bitcoins, so I was fine when the debt was over and the whole bitcoins were still there.

Agreed, it doesn't matter how good a deal borrowing to invest into Bitcoin will sound, it's something I'll never advice anyone to do because the chances of the market not disappointing you is low. The market moves up and down in different occasions and each of those occasions will come with it's own panic that if you aren't strong, you might fall for the tricks of the market and it'll make you to sell in losses. Borrowing should be done in markets that aren't volatile. Bitcoin is supposed to be invested in with spare cash that you don't plan to use anytime soon but borrowed money are supposed to be paid back soon. Right now is also the most unstable time to take a loan because we're closer to the end of the year, loans should be taken in the beginning so you can work to repay them before the year ends.

Yep we should not take loan especially from the bank, and for the sake of this discussion, banks are not going to give such loan without a big collateral and if they find out you are going to invest the funds in the bitcoin they might not even approve it if they really care about you but if they care about making more they will happily give the loan because they know in bitcoin you won't be able to return the funds on time.

They get to confiscate your collateral and they can make more money. It is a win win for them.

Instead of taking loan, accumulating is the best way, even if we can accumulate with small funds we should do that because in no time we will have enough bitcoins to make enough profit.

Bitcoin may be a very good and profitable business but borrowing money to invest into a volatile asset like bitcoin is kinda not a cool idea even when we know that the market will go as planned and you’ll get profit in the long run. Bitcoin is a very risky investment but yet profitable. Borrowing money to invest into bitcoin can actually affect your mental health if you’ve not really have a grasped of the market and not allow your emotions to take the better part of you during holding.

When there is a change in trend of the market and it gets more bearish than expected, fear of losing everything can make you wanna exit the market and sell at loss. Generally, borrowing money to invest should be a last resort and not a necessity to go one when you’ve not reallt understand what you’re going into and how to be able to manage the risk involved in managing the investment.

Bitcoin is for long term but the loan must be repaid on time. If you invest today in Bitcoin then it might take weeks, months or even years to get good profit from Bitcoin but your lender won't understand that and will impose plenty in case you are not able to repay loan on time. It's a big risk to invest with loan money in Bitcoin. It's better to first arrange money if you want to go for lump sum investment or follow DCA strategy if you don't have huge capital but still determined to invest in Bitcoin.

What are the possibilities you’ll be able to pay back the loan even before the price increase, we all know bitcoin price is unpredictable and it takes time before you start reaping the benefit. Taking a loan to invest is totally risky especially newbies who don’t understand how the market works might fail to continue investing, the amount mentioned is quit huge for starting bitcoin journey.
Personally there’s no point waiting before you start your investment journey, the reason why people think this way they believe starting with huge amount is the best, start with the little available then plan towards a good accumulating strategy although if you ever desire to take a loan to push the investment firstly don’t start at the beginning rather take a loan when you’re financially stable.

Personally taking loan still make sense knowing yearly ROI of bitcoin by just holding as long as the person who took the loan can pay the debt just fine with their salary.
Just consider it having a headstart to invest compared to accumulating little by little, it will be very effective if we can find pico bottom of the bearish cycle.

Then only painful thing is to pay the interests though and if the person that took the loan is the impatience kind, be prepared for another trouble.
It seriously needs calculated strategy otherwise you're just heading for the broke and rekt status.

Inasmuch as  Bitcoin has a promising future and a high potential return over a long period of time, I wouldn't advise one to go taking out a loan to buy Bitcoin, because Bitcoin is still volatile, except if you have a good and stable source of income to cover up your loan should anything happen to your investment. Secondly,  secondly you must understand the risk involved and be willing to exercise patience with Bitcoin and stomach its volatility.

My dear life is all about risky, and there is this saying that says take the risky and join the millions.
But there is somethings you should have put into consideration then before your final conclusion, things like:

 (A) How do I pay back this loan ?
(B) Do I have a source of income where I can be generating money to be able to keep to our agreement between the bank?
(C) Do I have something worthy for the collateral to give to the Bank?
(D)My source of income is it enough to pay up the Bank loan on before the duration of time agreed on?
And after examining all this thought within yourself then you can make your final decision, because in life one needs to throw away the spirit of fear,so you can survive if not you will remain stagnant,fear is one of the major factors that makes people not to progress in business or in life.
I know that sometimes fear does good to us,but the bad it does is greater than the good.. you can imagine if you had make the move then, you would have been swimming in dollars today.
But nevertheless they are still time if you can still be opportune to get the loan from the bank now, because tomorrow is greater than today..

In my opinion, borrowing money to invest is the same as borrowing money to do business, there is not much difference.

Therefore, the issue is not whether you should borrow money to invest in bitcoin, but whether you have a plan or not. I mean do you have a plan to pay off the debt? What would you do if things didn't go as planned, or what is your plan if the worst case scenario happens...? If you plan for all of those things and are confident that you can handle them if they happen. You can borrow money to invest.

But if you don't have a plan, borrowing money is a bad idea, no matter what the amount.

Whatever the nominal loan you want to take from the bank, but to carry out trading activities in the crypto market, my advice is not to do, The reason is Bitcoin has a long history in trading which means the price in the fluctuating market and you should consider the interest that is worn by the bank of your loan.

Likewise with investment in bitcoin, in my experience and as far as I know Bitcoin can be interpreted as a product used in the form of demand, supply or market sentiment, as far as I know investors often do investment activities As a means of storing value or in the form of protecting the value of inflation and investors often use investment with cold money, meaning that it is not loan or capital that should be used for other purposes.

For that, my advice if you are a trader and investor use cold money to buy bitcoin, of course you are targeting for the long term, maybe it's better.

Thank you for explaining yourself, but first, can I take out a loan to buy Bitcoin in 2022? Oh, yes, I would do that over and over again. But now, can I still take a loan to buy Bitcoin? Heck No! Do you know why the answers are different? It's because time has changed, and so are the opportunities and risks attached to the two different years. Bitcoin is now expensive, and if it would be true to follow its past history, then it might be ending its bullish phase soon, which will cause you a lot of losses and/or waiting (that's if you can wait).

It's better to take that risk when Bitcoin's price is super-low. This time could still come, you can wait.

$50k is a lot of money and borrowing that amount to invest it all in Bitcoin is not a very bad idea. Why? Because there's no investment/business without risk

However there are very important notes you have to put in consideration first if not you will face serious crisis

First, you must do your research properly on the chart, the ATH, Bull Runs etc so you know when to invest
Secondly, your investment pattern Lump-sum or DCA
Finally and most importantly your plan of paying back if you don't get your expected result at the set period of time.