You can apply for hypothecated loan. Pledged loan refers to the credit business in which the borrower obtains a certain amount of loan from the loan bank with the unexpired personal time deposit certificate in local and foreign currencies as pledge, and repays the loan principal and interest on schedule. In other words, depositors use certificates of deposit as collateral to apply for loans from banks or other lending institutions. However, unlike mortgage loans, depositors need to hand over their certificates of deposit to lending institutions for safekeeping when handling large-sum pledged loans, and can only redeem them after the loans are settled.