拿持股當擔保向券商借錢（不限用途款項借貸），到 紀錄 → 質押借款。

1. 填名稱（例如「元大質押-1」）、撥款日、借款金額、年利率，再選擔保的股票與股數（按「補擔保品」可以加好幾檔），按「記錄借款」。錢撥進交割戶，借來的錢不算本金。
2. 每筆借款下面選「還本金」「付利息」「撥款」記異動；本金還清時擔保品自動解除。
3. 股價下跌要補擔保品就加一檔；解除按鎖頭。

借款（本金 + 應計利息）列成負債；質押中的股票照樣算資產，但不能賣、不能出借。擔保維持率低於提醒線（預設 130%）會提醒。

To borrow money from your broker against your shares (an unrestricted-purpose securities loan, 不限用途款項借貸), go to Records → Pledge loans.

1. Fill in a name (for example “Yuanta pledge-1”), draw date, loan amount and annual rate, then pick the pledged stocks and shares (“Add collateral” adds more), and click “Record loan”. The money goes into your settlement account; borrowed money is not capital.
2. Under each loan, choose “Repay principal”, “Pay interest” or “Draw” to record changes. Once the principal is fully repaid, the collateral is released automatically.
3. If prices fall and you need to add collateral, add another stock; click the padlock to release one.

The loan (principal + accrued interest) is listed as a liability. Pledged shares still count as assets but can't be sold or lent out. You are reminded when the maintenance ratio falls below the alert line (130% by default).