> For the complete documentation index, see [llms.txt](https://docs.ybx.script3.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ybx.script3.io/user-docs/lending-borrowing/health-factors.md).

# Health Factors

## What's a health factor?

An account's *health factor* is a measure of the account's collateralization levels. It is based on the account's total liability value, collateral value, and collateral liquidation factors.

To originate a loan, a user must ensure their health factor will be above 1.10 after the loan has been originated. If a user account's health factor falls below 1.00, their positions can be liquidated until their health factor reaches 1.02. See a rough health factor scale below:

![](/files/Uyyn267Mtrzk1qDLrmgv)

An accounts health factor is calculated with a user's liability value (outstanding loan value + accrued interest), collateral value, and the loan-to-value ratio of their collateral[this formula](/technical-docs/math.md#health-factor).

$$
H=\frac {\sum^{|C|}*{i=1}LtVi\*V*{ci}} {\sum^{|L|}*{i=1}V*{li}}
$$

Where:

* $$H=$$ the account's health factor
* $$|C|=$$ the number of collateralized assets held by the account
* $$LtV\_i=$$ the loan-to-value ratio for collateral asset $$i$$
* $$V\_{ci}=$$ the collateral value of collateral asset $$i$$
* $$|L|=$$ the number of outstanding loans held by the account
* $$V\_{li}=$$ the liability value of loaned asset $$i$$

Liquidation factors are assigned to supported assets by the protocol, and they govern the point at which an account's positions can be liquidated.

## How can I increase my health factor?

A user can increase their health factor by depositing more [collateral](/user-docs/lending-borrowing.md#what-is-collateral) or decreasing their liability value (e.g. repaying their loans).