> For the complete documentation index, see [llms.txt](https://guide.rhea.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://guide.rhea.finance/near-chain-guides/lending-and-borrowing/how-lending-and-borrowing-works.md).

# How Lending & Borrowing works

- [Health Factor](https://guide.rhea.finance/near-chain-guides/lending-and-borrowing/how-lending-and-borrowing-works/health-factor.md)
- [Interest Rate Model](https://guide.rhea.finance/near-chain-guides/lending-and-borrowing/how-lending-and-borrowing-works/interest-rate-model.md)
- [Liquidations](https://guide.rhea.finance/near-chain-guides/lending-and-borrowing/how-lending-and-borrowing-works/liquidations.md)
- [Oracle](https://guide.rhea.finance/near-chain-guides/lending-and-borrowing/how-lending-and-borrowing-works/oracle.md)