Legal analysis: the pledged loan cannot be taken out before it expires, and it needs to be paid off before the pledge can be released and the deposit certificate can be taken back.

The term of personal pledge loan shall not exceed the maturity date of pledge deposit certificate, and the longest term shall not exceed one year. If multiple personal certificates of deposit are pledged, the loan term shall be the time closest to the maturity date. The deposit certificate for appointment transfer shall be determined according to the length of the automatic transfer period.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 441 Where a bill of exchange, promissory note, cheque, bond, deposit slip, warehouse receipt or bill of lading is pledged, the pledge shall be established when the title certificate is delivered to the pledgee. If there is no certificate of rights, the pledge will be established when the pledge registration is handled. Where there are other provisions in the law, those provisions shall prevail.

Article 442 Where the redemption date or delivery date of a bill of exchange, promissory note, check, bond, deposit slip, warehouse receipt or bill of lading expires before the principal creditor's rights, the pledgee may redeem or deliver the goods in advance, and make an agreement with the pledger to pay off the debts in advance or to deposit the redeemed goods.