At present, the mortgage rate of rural credit cooperatives for certificates of deposit mortgage loans is 1. 1 times that of loans.

2. Can the certificates of deposit of rural commercial banks be mortgaged in China Bank?

You can't. Certificates of deposit can be used to apply for loans, but not as collateral. Applying for a loan with a large deposit certificate can only be handled. The so-called pledge is to pledge the certificate of ownership of the certificate of deposit to the bank. During the pledge period, if the borrower fails to repay the loan on time, then the bank has the right to dispose of the deposit certificate. To sum up, when applying for a loan, users without fixed assets can also apply for a large deposit certificate loan. It should be noted that you must have a large deposit certificate in your name before you can apply for a loan.

3. Can rural commercial banks mortgage their personal certificates of deposit?

Yes, how much did you borrow? Trust me privately.

4. What is the mortgage interest rate of deposit certificate of Nantong Rural Commercial Bank?

2.75%。

The deposit interest rate of rural commercial banks rises by 20% to 55% on the basis of the benchmark interest rate. The annual interest rate of demand deposits in rural commercial banks is 0.3%, and time deposits are 95% for three months1.4% and 2.5% for two years.

The benchmark interest rates of the central bank's time deposits are three months 1. 10%, six months 1.30%, one year 1.50%, two years 2. 10% and three years 2.75%.