# Core Terms

- [Repayment Process](/kaleido/core-products/lending-and-borrowing/core-terms/repayment-process.md): Repaying your loan is straightforward on Kaleido:
- [Health Factor & Liquidation](/kaleido/core-products/lending-and-borrowing/core-terms/health-factor-and-liquidation.md): The health factor is an important metric that represents the safety level of your loan based on your collateral. It is calculated as the ratio of your collateral value to your borrowed amount.
- [Loan-to-Value (LTV) Ratio](/kaleido/core-products/lending-and-borrowing/core-terms/loan-to-value-ltv-ratio.md): The core formula used in the protocol is the Loan-to-Value (LTV) ratio. The LTV ratio determines how much a borrower can borrow against their collateral. In this protocol, the LTV is capped at 80%.
