I need 0.15 btc loan, will send back 0.16 btc within 1 hour of 1 confirmation of transaction.
What if you decide not to pay back and just run away? What will be the security of the lender who trusted you? It a forum after all and you can change your decisions when you want and for whatever reason you want. 
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Any one's help will be appreciated.
Read the rules about collateral and then lock this topic - that is the help I can provide as advice otherwise a negative trust is coming soon from DT.