i see just account full member which valid collateral but doesn't worth with 0.145
Accounts are valid collateral but their amount must be calculated based on many factors like trust, post count and quality, signature campaign it belong and many more
And yes @karakhan is right. If he is asking loan with fullember account as collateral then he should come with that account why he needs to create a new one which seems very fishy
Beaware guys. Some sort of scam activity detected