First so i dont fuck my self, i will calc all i get to USD and payback in the rate at the payback time,
ex 10 BTC @ 28.671 USD Rate from btc-e atm, its 286.71 USD
if the rate on first payout are ex 32.63 its will be 286.71 32.543 = 8.8101895953 + 3%
WHY would anyone loan this way to you? It only benefits YOU.
Example: You borrow 100 coins @ $20 per coin = $2,000 USD
Price of coins goes up to $30 per coin
You pay back 67 coins @ $30 per coin = $2,000 USD
You get an instant profit of 33 coins (33%), while the lender gets screwed and only gets 3%. You are taking the profit away from the lender, who takes all the risk.