How to sleep well during the market crash if I have a loan?

When you take out a loan, set LTV below the maximum 70% limit.

Remember that you can always decrease the LTV of active loans by adding more crypto assets: My Loans > Loan Details > Add More Collateral. Later, at any moment you can cash out excess LTV that you have put in for sleeping sanity. We charge no fees for adding and withdrawing collateral.

Or you can make a couple of payments ahead of schedule: My Loans > Repay > Regular Scheduled Repayment / Full Early Repayment. It will decrease LTV, as well.