The electronic government bonds of China Bank can be mortgaged.
National debt refers to the borrowing customer's obtaining RMB loan from the Bank of China with the unexpired national debt underwritten by the Bank of China as pledge. Treasury bonds that repay the loan principal and interest at maturity include voucher-type treasury bonds, book-entry treasury bonds and savings-type treasury bonds, which can meet the borrower's financial management and personal consumption needs or the loan fund demand for normal business activities.
2. What are the requirements for applying for bank voucher-type government bonds in China?
Conditions of China Bank's certificate-based national debt: 1. Any resident in China who has full civil capacity and holds the unexpired certificate-based treasury bonds issued by the Ministry of Finance after 1999 (including 1999) and underwritten by the Bank of China can apply for subscription of certificate-based treasury bonds. 2. A natural person with full capacity for civil conduct; 3. Have a fixed residence and valid identity documents; 4. You must hold the unexpired certificate-based government bonds underwritten by China Bank; 5. If a third party (pledgor) is used to handle voucher-type treasury bonds, a written consent document of the third party is required, and valid identity documents of the third party and myself are also required; 6. Other conditions stipulated by the lender. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
3. Can the national debt bought by individuals be mortgaged in the bank?
Absolutely. You can also choose to transfer or sell the national debt to the bank, but there may be a risk of losing some interest or principal. The best way is to hold it until it expires, or leave enough liquidity before buying it.
4. Can the electronic government bonds of China Bank be mortgaged?
ICBC's electronic government bonds can be mortgaged and belong to certificates of deposit.
A certificate of deposit is a way to apply for a loan with an unexpired certificate of deposit as collateral. Moreover, after handling the certificate of deposit, it will not affect the interest income of the certificate of deposit.
Deposit certificates can be divided into two types from the loan group, one is personal time deposit certificate and the other is unit time deposit certificate.
What needs to be understood is that the term of the certificate of deposit is short, generally speaking, it cannot exceed one year and the maturity date of the certificate of deposit, and the loan pledge rate does not exceed 90% of the denomination of the pledged certificate of deposit. It is more suitable for people who have short-term turnover needs for money.
However, before handling the certificate of deposit, in order to increase the chances of loan success, the borrower can go to the relevant lending institution for detailed consultation in advance and make full preparations before applying for a loan.
Deposit certification process
1. Customers apply for loans and submit relevant credit information;
2. Customers, loan banks (institutions), deposit banks and other parties cooperate with each other to complete the procedures of opening, confirming and pledging time certificates of deposit;
3 banks (lending institutions) to issue loans after approval;
4. The customer uses the loan as agreed;
5. The customer repays the loan principal and interest as agreed;
6. The bank cancels the pledged deposit certificate and returns the deposit certificate to the customer.