The maximum term of a single loan shall not exceed 5 years; The longest term of personal physical gold loan is 12 months. "Personal pledge loan" refers to the RMB loan that the borrower applies to China Everbright Bank with personal securities or personal physical gold as collateral. The loan is applicable to China people and natural persons who are (1) years old or 18 years old and have full capacity for civil conduct. (2) As borrowers, foreigners and residents of Hong Kong, Macao and Taiwan should have lived in People's Republic of China (PRC) for more than one year and have a fixed residence and occupation. The loan pledge is limited to local and foreign currency time deposit certificates, certificate-based government bonds and savings bonds (electronic).