Yes, this kind of business is called time deposit certificate.

Go directly to the bank where the deposit slip is located. This is a low-risk business, and it can be done in 1-2 days.

Second, can the deposit certificate of immediate family members be mortgaged?

Certificate of deposit that can mortgage immediate family members. Only the deposit certificate of immediate family members belongs to which bank, so they can only go to which bank to pledge.

Then, if an immediate family member is unmarried and needs him to go to the bank with you, he has to sign a letter of commitment and promise that his deposit will not be withdrawn until your loan is settled.

If your loan is unable to repay, the bank can directly deduct it to repay the loan principal and interest.

If the lineal relatives get married, the husband and wife should sign a letter of commitment and agree to pledge.

Third, can the house mortgage be mortgaged to immediate family members?

Legal analysis: No, the owner needs to apply for a loan himself. Property mortgage loan conditions: natural person of age 18-65; Having a proper occupation and the ability to repay the loan principal and interest on time; There is no illegal act; It can provide effective pledge guarantee of rights recognized by banks or can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability.

Article 397 of the Code states that if a building is mortgaged, the right to use the construction land occupied by the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together. If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage.

4. Can a son use his father's deposit in the bank to offset the loan in the same bank?

It can be used as a proof of your loan, which will be good for the amount, but you can't just treat this as a loan.