The maximum term of personal pledge loan is one year. This kind of loan is usually a personal loan business in which the borrower pledges a legal and effective pledge that meets the requirements stipulated by the bank, applies for a certain amount of RMB loan from the bank, and repays the principal and interest of the loan on schedule.
If multiple personal certificates of deposit are pledged, the loan term shall be the time closest to the maturity date. The automatic deposit certificate is determined according to the length of the automatic deposit period.