Pledges: RMB demand deposits and RMB time deposits, foreign currency time deposits, local and foreign currency time deposits, voucher-type treasury bonds, savings bonds, book-entry treasury bonds, entrusted wealth management products in local and foreign currencies, and personal life insurance policies;

Consumer pledge loans can only be pledged by the borrower himself or his spouse.

Generally, the credit period of pledge loan is not more than 5 years, and the credit period of single loan or credit project is not more than 3 years; If the loan is for studying abroad, the maximum term of a single loan or credit line shall not exceed 6 years (inclusive). Pledged loan amount: at least not less than 50,000 yuan, and in principle not more than100,000 yuan; The specific loan amount you can borrow needs to be determined by the outlets after checking the amount of collateral and combining with your comprehensive situation. You can directly contact the loan handling bank for consultation!

If the submitted application materials are complete, the approval time is about 15 working days, because it involves evaluation and other links, and each customer will be different. The specific lending time can be further understood with the account manager of the handling bank or local branch.