Whether the wealth management bought by banks can pledge loans depends on the type of wealth management, which is generally acceptable. However, the specific bank staff should be consulted, and the specific bank policies shall prevail. The situation of each bank may be different.

Generally speaking, the collateral that can apply for mortgage loan at present includes but is not limited to the following:

Fixed deposits in local and foreign currencies issued by banks.

Electronic treasury bonds: savings bonds (electronic) and book-entry treasury bonds sold by banks as agents.

Capital-guaranteed RMB personal wealth management products and some non-capital-guaranteed RMB personal wealth management products issued by banks have a fixed term (that is, the product specification clearly indicates the product expiration date).

Large deposit certificate.

A valid insurance policy (the applicant and the insured must be the same person).