Do you have to save first to borrow?

Binance wallet has an activity showing negative interest rates on loans
This means borrowing money without paying interest
Instead, rewards are given
It’s purely a subsidy

I deposited 5,000 USDC with an annualized rate of 2.15%
Borrowed out 3,000 USDT with an annualized rate of -3.54%
Overall annualized rate is 5.69%

The borrowed USDT can also participate in other activities
Further increasing the annualized rate

Just one thing to note
The minimum loan must be greater than 100 USDT