Yes, the borrower can apply for a pledge loan from the bank before the maturity of the time deposit. Pledged loans include bank deposits, funds, life insurance policies, wealth management products, bonds and precious metals. Borrowers can apply for loans at bank outlets with certificates of ownership of time deposits, identity cards, income certificates and other materials, and the bank will review them after accepting them. If the application is passed, the borrower signs a loan contract with the bank, and then goes through the formalities of notarization and pledge. After the handling fee is completed, the bank will lend money.