The Morgan Stanley Margin Lending Program allows you to take out a loan based on the value of securities in your account. You can either use the loan for financing or to invest in additional securities. Investing with margin loans allows you to boost returns if the value of your securities rises, at the expense of increased risk that can be magnified by market movements.
The Morgan Stanley Portfolio Loan Account is a single account for managing multiple loans, providing a flexible and convenient alternative to liquidating your investments. Your total credit facility is based on the value of securities pledged as collateral and provides access to funds at any time through a variable rate revolving line of credit, or by one or more fixed rate loans. Your loan proceeds can be used for almost any purpose except to purchase, carry or trade securities, or to repay margin debt.
| Type | Today | Week Ago |
|---|---|---|
| 15 Year Fixed | 4.62%  |
4.67% |
| 30 Year Fixed | 5.15% | 5.15% |
| 1 Year ARM | 3.48% |
3.51% |
| 5/1 Year ARM | 3.62% |
3.68% |
| Type | Today | Week Ago |
|---|---|---|
| Line of Credit | 4.89%  |
4.88% |
| 10 Year Loan | 7.47% | 7.47% |
| 15 Year Loan | 7.61% |
7.60% |
| Type | Today | Week Ago |
|---|---|---|
| Interest Checking | 0.28% | 0.28% |
| Money Market/Savings | 0.38% | 0.38% |
| 12 Month CD | 1.13%  |
1.15% |
| 60 Month IRA CD | 2.40% |
2.41% |
| Type | Today | Week Ago |
|---|---|---|
| Cash Back Cards | 12.66% |
12.68% |
| No Annual Fee Cards | 12.08% |
11.97% |
| Reward Cards | 12.75% |
12.61% |
| Small Business Cards | 11.01% |
10.94% |
| Student Cards | 13.77% |
13.49% |
| Platinum Cards | 12.26% |
12.11% |
