It is understood that some banks support mortgage loans with passbooks, such as ICBC time deposit pledge loans. However, the collateral used for the loan must be ICBC's time deposit certificate, which can lend up to 70% of your deposit.

Three conditions must be met to obtain the pledged loan of ICBC time deposit:

1. The lender must issue a deposit receipt (discount), including the borrower's (or a third party's, local) lump-sum deposit and withdrawal in local and foreign currencies, fixed-term all-in-one deposit, call deposit, lump-sum deposit and withdrawal in RMB, and personal deposit receipt (discount) of China Industrial and Commercial Bank;

2. Treasury bonds, including paper voucher-type treasury bonds issued by borrowers or third parties, voucher-type treasury bonds (electronic bookkeeping) and book-entry treasury bonds traded by ICBC over the counter;

3. The wealth management products handled by the borrower himself at the local ICBC.