Go to the bank counter and ask how to handle this business, that is, borrow money from the bank with your time deposit as collateral. Finally, the person in charge is the owner of the deposit certificate!

Second, the deposit certificate mortgage loan process

Company certificate of deposit process 1. Customers apply for loans and submit relevant credit information; 2. Customers, banks, deposit banks and other parties cooperate with each other to complete the procedures of opening, confirming and pledging certificates of deposit; 3. The bank issues 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 it to the customer. The definition of certificate of public deposit refers to the loan business in which an enterprise takes the unexpired certificate of public deposit legally held by itself or a third party as pledge to obtain a certain amount of loan from our bank, and the principal and interest are repaid by the customer at maturity. The unit time deposit certificate refers to the certificate of time deposit rights that the pledger entrusts our bank to apply to deposit-taking financial institutions according to the account opening certificate. The unit time deposit certificate can only be opened and used according to the purpose. Enterprise unit time deposit certificate is a unit time deposit certificate issued by the bank, which records a certain deposit amount, interest rate and term of the enterprise unit and can be circulated. Because the holder can transfer the unit time deposit certificate before it expires, the bank also regards it as a mortgage certificate in the company loan. Corporate borrowers can apply for corporate loans from banking institutions with unexpired corporate certificates of deposit as collateral, which is called corporate certificates of deposit. Legal basis: Article 440th of the Civil Law The debtor or a third party may pledge the following rights that it has the right to dispose of: (1) Bills of exchange, promissory notes and checks; (2) Bonds and certificates of deposit. (3) Warehouse receipts and bills of lading; (4) Transferable fund shares and equity; (5) Transferable intellectual property rights such as the exclusive right to use a registered trademark, patent right and copyright; (6) Existing and future accounts receivable; (7) Other property rights that can be pledged according to laws and administrative regulations. Article 441 Where a bill of exchange, promissory note, cheque, bond, deposit slip, warehouse receipt or bill of lading is pledged, the pledge shall be established when the title certificate is delivered to the pledgee. If there is no certificate of rights, the pledge will be established when the pledge registration is handled. Where there are other provisions in the law, those provisions shall prevail. Article 442 Where the redemption date or delivery date of a bill of exchange, promissory note, check, bond, deposit slip, warehouse receipt or bill of lading expires before the principal creditor's rights, the pledgee may redeem or deliver the goods in advance, and make an agreement with the pledger to pay off the debts in advance or to deposit the redeemed goods.

3. What is a bank time deposit certificate mortgage loan? Who is the last responsible person?

First of all, there is something wrong with the question you asked. Banks have a fixed term, but the term must be before your maturity date, and they will freeze the deposit slip. At the highest time, the last person responsible is the name on the deposit slip.

4. Should bank loans be mortgaged?

At present, there are two kinds of bank loans, mortgage loans and non-mortgage loans, as follows:

1. Need mortgage: mortgage refers to applying for a loan with the real estate as the mortgage and the business enterprise (industrial and commercial license) as the lender. Lenders need to apply for mortgage loans with husband and wife's identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank's capital flow and house evaluation report, and go to the bank for approval.

2. You can apply for unsecured three-guarantee loans, that is, the three business economic entities use their respective business certificates as a link to guarantee each other and lend to banks; Loan procedures need: provide your own identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other related certificates, and the repayment person is the person in charge of various businesses.