Pledged loans can generally be used to buy a house. As long as the conditions stipulated by the state are met, the pledged loan can be used to buy a house. Pledged loans can be used to buy houses, automobiles, large-scale durable consumer goods, home decoration, education and other consumer needs, as well as the capital needs of normal operations. Pledged loan refers to a kind of credit business in which the borrower obtains the loan with the unexpired personal time deposit certificate issued by the loan bank as the pledge, and then repays the principal and interest of the loan on schedule.

Problems needing attention in pledged loans:

① Cash can be withdrawn in advance from certificates of deposit, so there are two questions: whether to withdraw certificates of deposit in advance or pledge loans should be considered comprehensively. According to the following two formulas, it can be concluded that it is cost-effective to withdraw cash in advance or use pledged loans.

② Loan overpayment interest, loan amount, loan interest rate, loan term, deposit certificate amount, time deposit interest rate, deposit term early withdrawal loss, deposit certificate amount, time deposit interest rate, deposit term-deposit certificate amount, deposit interest rate and deposit term.

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