Margin Loan Requirements

The amount you can borrow depends upon the type and value of securities in your account.

Getting started and maintenance

  • To begin margin borrowing against securities in a Schwab brokerage account, you need at least $2,000 in cash or marginable securities.1
  • The amount you can borrow on margin toward the purchase of securities is typically limited to 50% of the value of marginable securities in your account. 
  • Once you borrow on margin, you are required to maintain a certain amount of equity in your account, depending on the securities you hold.
  • The typical equity maintenance requirement is at least 30% of the total account value, but can be higher for certain securities or accounts.
  • Schwab calculates your buying power and cash available for withdrawal and provides the information with your Schwab brokerage account.


Listed below are combined requirements for buying and borrowing against securities in a margin account based on Federal Reserve Board Regulation T ("Reg T"), FINRA regulations, and Schwab rules.



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