> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vanna.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Health Factor

> The one number that decides whether you can borrow more, withdraw, or get liquidated.

The **health factor (HF)** compares everything your margin account holds with everything it owes:

```text theme={null}
Health factor = total collateral (USD) / total debt (USD)
```

Collateral includes tokens you deposited, tokens you borrowed (they sit in the account), tokens you swapped into, Blend supply and Soroswap / Aquarius LP positions. Tokens count at full oracle value, with no per-asset haircuts. LP positions are valued conservatively, at twice the smaller side of the pool's reserves. An account with no debt shows **No debt**.

> [!WARNING]
>
> Health Factor must be strictly above 1.1 for a debt-bearing account to be healthy. Liquidation eligibility also depends on oracle and execution checks; displayed snapshots can lag current state.

## Zones

| Health factor | Label in the app | What it means |
| - | - | - |
| 1.50 and above | **Safe** | Comfortable room |
| 1.25 to 1.50 | **Healthy** | Fine, but watch it |
| above 1.10 to 1.25 | **At risk** | Close to the line; the app warns before actions that land here |
| 1.10 or below | **Liquidation** | Anyone can liquidate the account |

The **Liquidation** card on the Margin page shows the HF on a bar from **1.10** to **2.50+** and a **buffer**: how many dollars of collateral value you can lose before reaching 1.10.

```text theme={null}
buffer = total collateral − 1.10 × total debt
```

## What moves it

| Up | Down |
| - | - |
| Depositing collateral | Borrowing more |
| Repaying debt | Withdrawing to your wallet |
| Your collateral's price rising | Your collateral's price falling |
| Your debt asset's price falling | Your debt asset's price rising, interest accruing |

Swaps and Farm deposits move value between assets inside the account, so they change the HF only by fees, price impact and how LP positions are valued.

## Where the app checks it

* **Borrow:** the Risk Engine requires the account to stay above **1.10** after the borrow.
* **Withdraw to wallet:** the app blocks withdrawals that would bring the HF to 1.10 or below; the Risk Engine checks again on-chain.
* **Spot:** a swap that would drop the HF below **1.15** is blocked.

> [!TIP]
>
> To raise your health factor fast: [repay](https://docs.vanna.finance/stellar/guides/margin/repay.md) some debt or [deposit more collateral](https://docs.vanna.finance/stellar/guides/margin/deposit-collateral.md). Farm positions must be exited before their tokens can repay a loan.

See [Liquidation](https://docs.vanna.finance/stellar/guides/margin/liquidation.md) and the [technical health factor page](https://docs.vanna.finance/stellar/learn/health-factor.md).


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