Pledged loans can be divided into two types, one is personal regular pledge loans, and the other is unit regular pledge loans. \ r \ All banks have mortgage business. Individuals regularly pledge loans, such as China Bank, Postal Savings Bank, Industrial and Commercial Bank, Industrial Bank and Chongqing Bank. Visit pledge loan units regularly, such as Agricultural Bank of China, Huaxia Bank, Bank of Communications, Bank of Ningbo, Bank of Zhengzhou, etc. \ r \ What needs to be understood is that the term of pledged loans is relatively short, generally speaking, it cannot exceed one year, nor can it exceed the maturity date of certificates of deposit, so it is more suitable for people who have short-term liquidity needs for money. \ r \ However, before making a pledge loan, in order to increase the chances of successfully obtaining a loan, the borrower can consult relevant lending institutions in advance and make full preparations before applying for a loan.