# Using margin loan at Interactive Brokers **URL:** \ **Category:** Investing / Brokers\ **Created:** [June 5, 2020, 4:05pm UTC](https://forum.mustachianpost.com/t/using-margin-loan-at-interactive-brokers/3980 "2020-06-05T16:05:09Z")\ **Posts on this page:** 1\ **Showing post:** 214
**Author:** ![Giff](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/giff/32/3256_2.png) [@Giff](https://forum.mustachianpost.com/u/Giff)\ **Post date:** [November 15, 2022, 10:39am UTC](https://forum.mustachianpost.com/t/using-margin-loan-at-interactive-brokers/3980/214 "2022-11-15T10:39:23Z")
I was thinking of using a margin loan soon for the first time and I have to say I still don’t understand the fine details. Today I got a message from IB saying that for one of my (EU based) funds, marging requirements will change as of TOMORROW from an initial requirement of 50% to 100%, while the maintenance margin will increase to 100% much more slowly, in a week… This was a bit shocking and makes me rethink my plan. What if had borrowed against that fund and had only one week to pay back ALL of the loan? One think I don’t understand is: if I have a bunch of ETFs on my portfolio, each with its own (up to to today rather similar) margin requirements, which ones will I be borrowing against if I take a “small” loan (up to 20% of the total portfolio)? I don’t see the possibility to choose, I can just withdraw something like 50% of the portfolio value… --- _[View the full topic](https://forum.mustachianpost.com/t/using-margin-loan-at-interactive-brokers/3980)._