If it is not cost-effective, you can choose a time deposit pledge loan, so that the income can be guaranteed to the greatest extent. It can also be settled through negotiation and divided according to the due withdrawal interest rate. For example, the owner of the certificate of deposit pays the other party and then keeps the certificate of deposit himself.
The longest loan term of the pledged loan shall not exceed one year or the maturity date of the certificate of deposit; The starting point of the pledged loan amount is generally 5,000 yuan, and each loan does not exceed 90% of the pledged value of the certificate of deposit, and the maximum amount can reach 95% of the pledged value; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and may be up to 65,438+00% depending on the borrower's situation.