<prompt> Human: If you had excellent credit, would a bank lend money for a retirement account? What percent of your income would they lend you?  <response>: In the more general sense, this is whats known as buying on margin, which is basically buying investments with money you borrow, with the intent of making enough money that you still make money even after paying off the loan with interest. People do this all the time, but usually by using specific investment margin accounts instead of more general personal lines of credit from a bank.However, buying on margin is one of the most dangerous things you can do. With a non-leveraged investment, you run the risk of your investment going to 0, but you generally cannot go negative. When you buy on margin, you risk the investments purchased going to 0, and you still owe the money you borrowed back.Dont buy on margin. 