I don't know which bank your certificate of deposit belongs to. General banks handle pledged loans in this city, generally not exceeding 90% of the principal of deposit certificates. Fixed term 16000 yuan, the maximum loanable 14400 yuan, and the general term does not exceed one year. You can repay the loan in advance, or you can repay it in one lump sum when the loan expires. No matter how much principal is repaid, the corresponding interest should be paid off at the same time. If the loan cannot be repaid at maturity, it shall apply to the bank for extension before the loan expires, but the extension period shall not exceed half of the original loan period, and the interest within the original loan period shall be paid off during the extension. If the cumulative term after the extension exceeds one year, the bank will automatically convert your loan into a method of regular interest settlement or regular repayment of principal and interest. Please consult your bank for details!