• When you take out a loan,  set LTV below the maximum 70%. This feature is now available for both Instant Loans and Lending Market. 
• 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.