Bank time deposit certificates are collateral that meets the conditions of bank mortgage loans. As long as the time deposit certificate is still in existence, you can try to apply for a mortgage. When a bank applies for a mortgage loan with a time deposit certificate, the loan term generally does not exceed 1 year or the maturity date of the deposit certificate. The loan amount that can be applied for is 90%-95% of the denomination of the certificate of deposit, and the pledge rate is high.

Of course, with qualified collateral, users must also meet the application conditions of mortgage loans, otherwise users will not be able to pass the mortgage loan review.

The following rights can be pledged:

1, bills of exchange, checks, promissory notes, bonds, certificates of deposit, warehouse receipts and bills of lading;

2. Shares and stocks that can be transferred according to law;

3. Trademark exclusive right that can be transferred according to law, property right in patent right and copyright;

4. Other rights that can be pledged according to law.

But specific to commercial banks, whether this business is carried out or not, you have to go to your local consultation.

In addition, your trademark must be a registered trademark, and you should register the "maximum pledge amount" in the State Trademark Office. The bank will also ask an asset appraisal company to evaluate the value of your trademark.

Legal basis:

Article 440

The following rights that the debtor or a third party has the right to dispose of may be pledged:

(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 44 1

Where a bill of exchange, promissory note, cheque, bond, deposit slip, warehouse receipt or bill of lading is pledged, the pledge is 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

If the redemption date or delivery date of bills of exchange, promissory notes, checks, bonds, certificates of deposit, warehouse receipts and bills 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 or delivered goods.