No I speculate on grow up of the price. If i wanted to sell them I sell them. Its just a collateral not a coins I really want to sell.
The point of using alt coins that can be sold on an exchange is that the lender can easily sell the coins in the event that you fail to repay the loan.
If the coins do not trade on an exchange the lender has no way of knowing how much they can sell the alt coins for when you don't repay.