National debt pledge loan refers to the borrower's behavior of applying for a loan from the bank with the unexpired national debt as pledge. Usually, the national debt pledge loan refers to the voucher-type national debt pledge loan. Here is a brief introduction to the relevant provisions of the national debt pledge loan.

To apply for a certificate-based pledge loan, you must first apply to the bank that subscribed for the national debt. When applying, you must hold the voucher-type national debt in my name and valid documents that can prove my identity. If you use the third party's voucher-type treasury bonds to handle the pledge business, you need to obtain the written consent of the third party and show your valid identity documents and those of the third party.

Then, after the bank confirms and recognizes the applicant's creditor's rights, the borrower and the lender sign a pledge loan contract. As collateral, the voucher-type treasury bonds shall be kept by the lending institution, which shall issue a receipt for safekeeping and shall not be transferred, leased or re-mortgaged.

Loan Term: The loan term of voucher-type treasury bonds pledge shall be agreed by the lending institution and the borrower, but the longest term shall not exceed the maturity date of voucher-type treasury bonds. Where multiple certificate-based government bonds with different maturities are pledged, the loan term shall be determined by the distance from the maturity date.

Loan amount: the starting point of the loan amount of voucher-type national debt pledge is 5000 yuan, and each loan shall not exceed 90% of the face value of the pledged goods.

Expected annualized interest rate of the loan: The expected annualized interest rate of the voucher-type treasury bond pledged loan shall be in accordance with the expected annualized interest rate (including floating) of the legal loan of the same grade in the same period and relevant regulations. If the loan term is less than 6 months, it shall be determined according to the expected annualized interest rate of legal loans for 6 months. If the Borrower repays the loan in advance, the expected annualized interest rate of the loan shall be calculated according to the expected annualized interest rate of the Contract and the actual loan days. Voucher-type treasury bonds pledged loans shall be paid off with the proceeds. If the expected annualized interest rate is adjusted during the loan period, the expected annualized interest rate of the loan will remain unchanged.