diff --git a/src/components/transactions/Borrow/BorrowModalContent.tsx b/src/components/transactions/Borrow/BorrowModalContent.tsx
index 42b1d0f153..ca40c7107a 100644
--- a/src/components/transactions/Borrow/BorrowModalContent.tsx
+++ b/src/components/transactions/Borrow/BorrowModalContent.tsx
@@ -16,7 +16,10 @@ import { useModalContext } from 'src/hooks/useModal';
 import { ERC20TokenType } from 'src/libs/web3-data-provider/Web3Provider';
 import { useRootStore } from 'src/store/root';
 import { GENERAL } from 'src/utils/events';
-import { getMaxAmountAvailableToBorrow } from 'src/utils/getMaxAmountAvailableToBorrow';
+import {
+  assetCanBeBorrowedByUser,
+  getMaxAmountAvailableToBorrow,
+} from 'src/utils/getMaxAmountAvailableToBorrow';
 import { roundToTokenDecimals } from 'src/utils/utils';
 
 import { CapType } from '../../caps/helper';
@@ -100,7 +103,7 @@ export const BorrowModalContent = ({
   let blockingError: ErrorType | undefined = undefined;
   if (valueToBigNumber(amount).gt(poolReserve.formattedAvailableLiquidity)) {
     blockingError = ErrorType.NOT_ENOUGH_LIQUIDITY;
-  } else if (!poolReserve.borrowingEnabled) {
+  } else if (!assetCanBeBorrowedByUser(poolReserve, user)) {
     blockingError = ErrorType.BORROWING_NOT_AVAILABLE;
   }
 
diff --git a/src/modules/dashboard/lists/BorrowAssetsList/BorrowAssetsList.tsx b/src/modules/dashboard/lists/BorrowAssetsList/BorrowAssetsList.tsx
index 7788438c51..0fcd634176 100644
--- a/src/modules/dashboard/lists/BorrowAssetsList/BorrowAssetsList.tsx
+++ b/src/modules/dashboard/lists/BorrowAssetsList/BorrowAssetsList.tsx
@@ -130,7 +130,7 @@ export const BorrowAssetsList = () => {
         totalBorrows: reserve.totalDebt,
         availableBorrows,
         availableBorrowsInUSD,
-        variableBorrowRate: reserve.borrowingEnabled ? Number(reserve.variableBorrowAPY) : -1,
+        variableBorrowRate: Number(reserve.variableBorrowAPY),
         iconSymbol: reserve.iconSymbol,
         ...(reserve.isWrappedBaseAsset
           ? fetchIconSymbolAndName({
diff --git a/src/modules/dashboard/lists/BorrowedPositionsList/BorrowedPositionsListItem.tsx b/src/modules/dashboard/lists/BorrowedPositionsList/BorrowedPositionsListItem.tsx
index 188c4d9371..1767f06f51 100644
--- a/src/modules/dashboard/lists/BorrowedPositionsList/BorrowedPositionsListItem.tsx
+++ b/src/modules/dashboard/lists/BorrowedPositionsList/BorrowedPositionsListItem.tsx
@@ -4,10 +4,12 @@ import { Trans } from '@lingui/macro';
 import { Box, Button, useMediaQuery, useTheme } from '@mui/material';
 import { IncentivesCard } from 'src/components/incentives/IncentivesCard';
 import { Row } from 'src/components/primitives/Row';
+import { useAppDataContext } from 'src/hooks/app-data-provider/useAppDataProvider';
 import { useAssetCaps } from 'src/hooks/useAssetCaps';
 import { useModalContext } from 'src/hooks/useModal';
 import { useRootStore } from 'src/store/root';
 import { DashboardReserve } from 'src/utils/dashboardSortUtils';
+import { assetCanBeBorrowedByUser } from 'src/utils/getMaxAmountAvailableToBorrow';
 import { displayGhoForMintableMarket } from 'src/utils/ghoUtilities';
 import { isFeatureEnabled } from 'src/utils/marketsAndNetworksConfig';
 import { showExternalIncentivesTooltip } from 'src/utils/utils';
@@ -36,15 +38,11 @@ export const BorrowedPositionsListItem = ({
   const theme = useTheme();
   const downToXSM = useMediaQuery(theme.breakpoints.down('xsm'));
   const { openBorrow, openRepay, openDebtSwitch } = useModalContext();
+  const { user } = useAppDataContext();
 
   const reserve = item.reserve;
 
-  const disableBorrow =
-    !reserve.isActive ||
-    !reserve.borrowingEnabled ||
-    reserve.isFrozen ||
-    reserve.isPaused ||
-    borrowCap.isMaxed;
+  const disableBorrow = !assetCanBeBorrowedByUser(reserve, user) || borrowCap.isMaxed;
 
   const disableRepay = !reserve.isActive || reserve.isPaused;
 
diff --git a/src/modules/markets/MarketAssetsListItem.tsx b/src/modules/markets/MarketAssetsListItem.tsx
index fc1e626acd..f4fce15f03 100644
--- a/src/modules/markets/MarketAssetsListItem.tsx
+++ b/src/modules/markets/MarketAssetsListItem.tsx
@@ -163,6 +163,7 @@ export const MarketAssetsListItem = ({ ...reserve }: ReserveWithProtocolIncentiv
         />
         {reserve.borrowInfo?.borrowingState === 'DISABLED' &&
           !reserve.isFrozen &&
+          !reserve.eModeInfo?.some((eMode) => eMode.canBeBorrowed) &&
           reserve.borrowInfo.total.amount.value !== '0' && <ReserveSubheader value={'Disabled'} />}
       </ListColumn>
 
diff --git a/src/modules/markets/MarketAssetsListMobileItem.tsx b/src/modules/markets/MarketAssetsListMobileItem.tsx
index 77822f5f95..41e5325b7f 100644
--- a/src/modules/markets/MarketAssetsListMobileItem.tsx
+++ b/src/modules/markets/MarketAssetsListMobileItem.tsx
@@ -160,6 +160,7 @@ export const MarketAssetsListMobileItem = ({ ...reserve }: ReserveWithProtocolIn
         />
         {reserve.borrowInfo?.borrowingState === 'DISABLED' &&
           !reserve.isFrozen &&
+          !reserve.eModeInfo?.some((eMode) => eMode.canBeBorrowed) &&
           reserve.borrowInfo.total.amount.value !== '0' && <ReserveSubheader value={'Disabled'} />}
       </Row>
       <Button
diff --git a/src/modules/reserve-overview/ReserveActions.tsx b/src/modules/reserve-overview/ReserveActions.tsx
index 9bb415a09d..2e0ddda9de 100644
--- a/src/modules/reserve-overview/ReserveActions.tsx
+++ b/src/modules/reserve-overview/ReserveActions.tsx
@@ -20,7 +20,10 @@ import { useWeb3Context } from 'src/libs/hooks/useWeb3Context';
 import { BuyWithFiat } from 'src/modules/staking/BuyWithFiat';
 import { useRootStore } from 'src/store/root';
 import { GENERAL } from 'src/utils/events';
-import { getMaxAmountAvailableToBorrow } from 'src/utils/getMaxAmountAvailableToBorrow';
+import {
+  assetCanBeBorrowedByUser,
+  getMaxAmountAvailableToBorrow,
+} from 'src/utils/getMaxAmountAvailableToBorrow';
 import { getMaxAmountAvailableToSupply } from 'src/utils/getMaxAmountAvailableToSupply';
 import { amountToUsd } from 'src/utils/utils';
 import { useShallow } from 'zustand/shallow';
@@ -150,7 +153,7 @@ export const ReserveActions = ({ reserve }: ReserveActionsProps) => {
               disable={disableSupplyButton}
               onActionClicked={onSupplyClicked}
             />
-            {reserve.borrowingEnabled && (
+            {assetCanBeBorrowedByUser(reserve, user) && (
               <BorrowAction
                 reserve={reserve}
                 value={maxAmountToBorrow.toString()}
diff --git a/src/modules/reserve-overview/ReserveConfiguration.tsx b/src/modules/reserve-overview/ReserveConfiguration.tsx
index e3e8a0e533..f021731bf6 100644
--- a/src/modules/reserve-overview/ReserveConfiguration.tsx
+++ b/src/modules/reserve-overview/ReserveConfiguration.tsx
@@ -125,20 +125,22 @@ export const ReserveConfiguration: React.FC<ReserveConfigurationProps> = ({ rese
       </PanelRow>
 
       {(reserve.borrowInfo?.borrowingState === 'ENABLED' ||
-        Number(reserve.borrowInfo?.total.amount.value) > 0) && (
+        Number(reserve.borrowInfo?.total.amount.value) > 0 ||
+        reserve.eModeInfo?.some((eMode) => eMode.canBeBorrowed)) && (
         <>
           <Divider sx={{ my: { xs: 6, sm: 10 } }} />
           <PanelRow>
             <PanelTitle>Borrow info</PanelTitle>
             <Box sx={{ flexGrow: 1, minWidth: 0, maxWidth: '100%', width: '100%' }}>
-              {reserve.borrowInfo?.borrowingState === 'DISABLED' && (
-                <Warning sx={{ mb: '40px' }} severity="error">
-                  <BorrowDisabledWarning
-                    symbol={reserve.underlyingToken.symbol}
-                    currentMarket={currentMarket}
-                  />
-                </Warning>
-              )}
+              {reserve.borrowInfo?.borrowingState !== 'ENABLED' &&
+                !reserve.eModeInfo?.some((eMode) => eMode.canBeBorrowed) && (
+                  <Warning sx={{ mb: '40px' }} severity="error">
+                    <BorrowDisabledWarning
+                      symbol={reserve.underlyingToken.symbol}
+                      currentMarket={currentMarket}
+                    />
+                  </Warning>
+                )}
               <BorrowInfo
                 reserve={reserve}
                 currentMarketData={currentMarketData}
@@ -160,7 +162,8 @@ export const ReserveConfiguration: React.FC<ReserveConfigurationProps> = ({ rese
       )}
 
       {(reserve.borrowInfo?.borrowingState === 'ENABLED' ||
-        Number(reserve.borrowInfo?.total.amount.value) > 0) && (
+        Number(reserve.borrowInfo?.total.amount.value) > 0 ||
+        reserve.eModeInfo?.some((eMode) => eMode.canBeBorrowed)) && (
         <>
           <Divider sx={{ my: { xs: 6, sm: 10 } }} />
 
diff --git a/src/modules/reserve-overview/SupplyInfo.tsx b/src/modules/reserve-overview/SupplyInfo.tsx
index 91662d6ffb..c9583b85ae 100644
--- a/src/modules/reserve-overview/SupplyInfo.tsx
+++ b/src/modules/reserve-overview/SupplyInfo.tsx
@@ -169,7 +169,8 @@ export const SupplyInfo = ({
       </Box>
       {renderCharts &&
         (reserve.borrowInfo?.borrowingState === 'ENABLED' ||
-          Number(reserve.borrowInfo?.total.amount.value) > 0) && (
+          Number(reserve.borrowInfo?.total.amount.value) > 0 ||
+          reserve.eModeInfo?.some((eMode) => eMode.canBeBorrowed)) && (
           <SupplyApyGraph
             chain={currentMarketData.chainId}
             underlyingToken={reserve.underlyingToken.address}
@@ -209,7 +210,7 @@ export const SupplyInfo = ({
               <Trans>Can be collateral</Trans>
             </Typography>
           </Box>
-        ) : (
+        ) : reserve.eModeInfo?.some((eMode) => eMode.canBeCollateral) ? null : (
           <Box sx={{ pt: '42px', pb: '12px' }}>
             <Typography variant="subheader1" color="text.main">
               <Trans>Collateral usage</Trans>
diff --git a/src/modules/reserve-overview/TokenLinkDropdown.tsx b/src/modules/reserve-overview/TokenLinkDropdown.tsx
index 5d2e545c0b..15d71038ff 100644
--- a/src/modules/reserve-overview/TokenLinkDropdown.tsx
+++ b/src/modules/reserve-overview/TokenLinkDropdown.tsx
@@ -53,8 +53,10 @@ export const TokenLinkDropdown = ({
 
   const showVariableDebtToken =
     !hideVariableDebtToken &&
-    (poolReserve.borrowInfo?.borrowingState === 'ENABLED' ||
-      Number(poolReserve.borrowInfo?.total.amount.value) > 0);
+    !!poolReserve.borrowInfo &&
+    (poolReserve.borrowInfo.borrowingState !== 'DISABLED' ||
+      Number(poolReserve.borrowInfo.total.amount.value) > 0 ||
+      !!poolReserve.eModeInfo?.some((eMode) => eMode.canBeBorrowed));
 
   return (
     <>
diff --git a/src/utils/getMaxAmountAvailableToBorrow.ts b/src/utils/getMaxAmountAvailableToBorrow.ts
index 7db10c30cc..a996276978 100644
--- a/src/utils/getMaxAmountAvailableToBorrow.ts
+++ b/src/utils/getMaxAmountAvailableToBorrow.ts
@@ -100,14 +100,14 @@ export function assetCanBeBorrowedByUser(
     isFrozen,
     isPaused,
   }: ComputedReserveData,
-  user: ExtendedFormattedUser
+  user?: ExtendedFormattedUser
 ) {
-  if (!borrowingEnabled || !isActive || isFrozen || isPaused) return false;
+  if (!isActive || isFrozen || isPaused) return false;
   if (user?.isInEmode) {
     const reserveEmode = eModes.find((emode) => emode.id === user.userEmodeCategoryId);
     if (!reserveEmode) return false;
     return reserveEmode.borrowingEnabled;
   }
   if (user?.isInIsolationMode && !borrowableInIsolation) return false;
-  return true;
+  return borrowingEnabled;
 }