Personal pledge loan refers to the personal loan business in which the borrower takes the certificate of rights as the pledge, obtains a certain amount of RMB loan from the bank, and repays the loan principal and interest on schedule. It has the characteristics of diverse materials, simple procedures and high loan amount. Title certificate refers to unexpired lump-sum deposit and withdrawal, interest-bearing deposits, large negotiable certificates of deposit (registered), foreign currency time certificates of deposit, voucher-type national debt, insurance policies and other types of title certificates that can be pledged according to law.

When applying for a loan, the borrower shall fill in the Application Form for Personal Pledged Loan. The borrower and the pledger must be present at the same time, and provide the pledge certificate, valid identity documents, etc. , the bank can handle it after verification.