How to apply for a bank deposit certificate mortgage loan? What are the advantages of deposit certificate mortgage? The longest loan term of the pledged loan shall not exceed one year or the maturity date of the certificate of deposit; The starting point of the pledged loan amount is generally 5,000 yuan, and each loan does not exceed 90% of the pledged value of the certificate of deposit, and the maximum amount can reach 95% of the pledged value; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and may be up to 65,438+00% depending on the borrower's situation.

Pledge loan process: the borrower submits a written pledge loan application to the bank with relevant loan information; The bank examines the authenticity of the information and passes the borrower's pre-loan investigation; After investigation, examine and approve the loan, and determine the loan amount, loan term and loan interest rate; The borrower signs a loan contract with the bank; Bank loan.

When handling pledged loans, the following materials are generally needed: resident identity card, household registration book or other valid residence identity documents, personal time deposit certificate, work or business certificate, income certificate, personal pledge loan application form, and information required by the bank.

After the loan expires, the principal and interest of the loan can be repaid by cash or bank deposit. With the consent of the bank, the borrower can repay the loan principal and interest in advance, and the interest is calculated according to the interest rate agreed in the pledged loan contract signed by the original borrower and the borrower and the actual loan days.