`e2e` - `Loans` - User able to borrow token even if vault share <50%

[izzycsy]

https://user-images.githubusercontent.com/65014479/161752501-a845d949-9817-49f4-9e39-491d06898364.mov

What would you like to be added:

• If vault share <50% DFI and/or DUSD, user is still able to borrow loan token even, so long as user has sufficient DFI to cover half the of the potentially borrowed token • Same applies to BORROW MORE

• In screenshot example above, user will be able to borrow 0.007 DUSD more, but unable to proceed to borrow more when input is 0.008 DUSD

Why is this needed:

• Current understanding is that vault share req. is strictly >50% DFI and/or DUSD before user is able to borrow / borrow more token in vault • This ticket is to re-test the scenario for vault share & borrowing of token

[defichain-bot]

@izzycsy: Thanks for opening an issue, it is currently awaiting triage.

The triage/accepted label can be added by foundation members by writing /triage accepted in a comment.

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[defichain-bot]

@izzycsy: Thanks for opening an issue, an appropriate priority will be added soon.

The priority labels can be added by foundation members by writing /priority [type] in a comment.

Details

I am a bot created to help the [DeFiCh](https://github.com/DeFiCh) developers manage community feedback and contributions. You can check out my [manifest file](https://github.com/DeFiCh/wallet/blob/main/.github/governance.yml) to understand my behavior and what I can do. If you want to use this for your project, you can check out the [DeFiCh/oss-governance-bot](https://github.com/DeFiCh/oss-governance-bot) repository.

[thedoublejay]

Not a bug, just need to have automated tests for this

[kyleleow]

New conditions when borrowing loan token:

• vault col ratio >= min col ratio (unchanged)
• 50% of total loan value min col ratio <= total DFI in collateral Post Fort Canning Road hardfork: 50% of total loan value min col ratio <= total DFI and/or DUSD in collateral

---

Example Vault:

• min col ratio: 150%
• collateral: $100 DFI (29%) + $250 dBTC (71%)
• Max loan value can be taken with new calculation = 2 DFI in collateral / min col ratio = 2 $100 / 1.5 = $133.33