# Repay and Withdrawal

## Repayment

Repaying uTokens is crucial for managing user positions. Users can repay with the same tokens they borrowed, reducing the [LTV ratio](../hoenn-vaults#loan-to-value-ltv-ratio), preventing liquidation, and ensuring safe collateral withdrawal.

## Withdrawal

Hoenn allows users to withdraw their collateral based on their outstanding uTokens and the ability to maintain a safe LTV ratio. When withdrawing with an active mint position, keeping a healthy ratio is essential to avoid liquidation. Reducing collateral increases the liquidation risk, so users must ensure their account remains above the [liquidation threshold](../liquidations#liquidation-threshold) after the withdrawal.

Users can withdraw their collateral from Hoenn at any time, with no limitations.
