I've come to realize that the terms of a Margin Loan are actually not interesting for the borrower as the Broker wants his money back at the worst possible time, when the stock dropped a lot and you just made huge losses, thereby increasing your risk more than your potential reward. On top the lender can just change the terms, and raise the amount of margin you need, thereby raising your Margin Call Price, which they typically do when a stock dropped a lot, increasing chances you have to pay loan back at bad time. Such loans one would never accept for example to invest in real estate, or when you run a company. You agree to pay back a fixed amount but would not accept to have to pay suddenly big amounts back if value of your property or your company would go down, that's signing up for trouble. Margin Loans are only interesting if chances are - very low - to hit your Margin Call Price, but that is never the case when investing in a single company. In conclusion: decided to sell enough stock so that I have no margin loan anymore.