Hello. The time deposit certificates of the Postal Savings Bank of China can be mortgaged at the Postal Savings Bank of China.

The personal time deposit certificate pledge loan refers to the fixed-term RMB savings deposit certificate issued by the Postal Savings Bank of China to the borrower in the form of unexpired postal savings lump sum deposits (including postal savings green card, fixed-term one-pass fixed-term deposit certificates) The loan business is a pledge guarantee and the principal and interest will be recovered at one time upon maturity. It is divided into loans pledged by one's own deposit certificate and loans pledged by other people's deposit certificates;

Loan pledged by one's own deposit certificate refers to a deposit certificate pledged by the borrower in his or her own name. Loans provided with pledge guarantee;

Loans pledged by other people's certificates of deposit refer to loans in which the borrower provides pledge guarantee with certificates of deposit owned by others.

Applicable objects

Natural persons who are over 18 years old (including 18 years old) and have full capacity for civil conduct.

Loan Amount

The maximum amount of a single loan is 1 million yuan, and shall not exceed 90% of the total principal of the deposit certificate.

Loan term

1 month to 12 months, in units of months;

The loan maturity date shall not exceed the maturity date of the deposit certificate.

The loan interest rate

is determined in accordance with the commercial loan benchmark interest rate of the People's Bank of China and shall be appropriately floated.

Repayment method

One-time principal and interest repayment method: Repay the loan principal and interest in one lump sum upon maturity.

Loan guarantee

You can provide pledge guarantee with a deposit certificate in your own name or a deposit certificate owned by someone else.

I hope my answer will be helpful to you.