什么是個(gè)人存單質(zhì)押貸款

　　個(gè)人存單質(zhì)押貸款是借款人以未到期的個(gè)人本、外幣定期存單作質(zhì)押，從銀行取得一定金額的人民幣貸款，并按期償還貸款本息的貸款業(yè)務(wù)。接下來小編為大家整理了什么是個(gè)人存單質(zhì)押貸款，希望對(duì)你有幫助哦!

　　Personal loan pledged by certificates of deposit (CD) /treasury bonds is a kind of business combining deposit and loan in which the client gets a certain amount of Renminbi loan from the bank by pledging undue certificate(s) of time deposit and also repays the principal and interest accrued on schedule. CDs used for hypothecation are limited to certificates of time deposits issued by the savings outlets in the local administrated area of the tier-one branches of and branches under the Bank of China.

　　Any resident in China with full capacity for civil conduct, holder of undue certificates of time deposit in local or foreign currencies issued by the Bank of China or treasure bonds, may apply for a personal loan pledged by CDs/treasure bonds to the Bank.

　　The length of maturity of a personal loan pledged by CDs/treasury bonds may not exceed the due date of the pledged CD. Besides, the longest maturity shall be one year. If multiple certificates of personal deposit are pledged, the length of maturity shall be set according to the nearest due date. For automatic renewal certificates of deposit, the length of maturity shall be set according to the length of automatic renewal.

　　The interest rate for loans of the same grade announced by the People's Bank of China applies to the interest rate for personal loans pledged by CDs/treasury bonds. The interest rate shall not float beyond the ceiling rate specified by the People's Bank of China. If the length of maturity is less than six months, the interest rate shall be that for the six month loan. For repayment before maturity date, the interest shall be calculated according to the originally set interest rate and the actual number of days of borrowing. In case the People's Bank of China adjusts the interest rate, the contracted interest rate is still adopted within the length of maturity.

　　Borrowers may use the loans for purchases of houses, cars and expensive consumer durables, for house refurbishing, vacation and travel, education and other consumer demands, as well as for working capital demand in normal operations.

　　The minimum amount of a personal loan pledged by CDs/treasury bonds is RMB1,000. The amount of the loan shall in principle not exceed 90% of the face value of the pledged CD (for deposits in foreign currencies, calculated in Renminbi translated at the current day buying rate of foreign exchange ). The maximum borrowing limit of a single loan shall in principle not exceed RMB3,000,000.

　　The borrowers may use cash or deposits with the Bank of China for debt service. With the consent of the lender, the borrowers may repay the principal and interest of the loans ahead of schedule.

　　個(gè)人存單質(zhì)押貸款是以客戶未到期的定期儲(chǔ)蓄存單做質(zhì)押，從銀行取得一定金額的人民幣貸款，并按期償還貸款本息的一種存貸結(jié)合業(yè)務(wù)。用于質(zhì)押的存單僅限于中國(guó)銀行一級(jí)分行及直屬分行本轄區(qū)內(nèi)各儲(chǔ)蓄網(wǎng)點(diǎn)所開具的定期儲(chǔ)蓄存單。

　　凡具有完全民事行為能力的中國(guó)境內(nèi)居民，持有中國(guó)銀行開具的未到期本、外幣定期儲(chǔ)蓄存單者均可向我行申請(qǐng)辦理個(gè)人存單質(zhì)押貸款。

　　個(gè)人存單質(zhì)押貸款期限不得超過質(zhì)押存單的到期日，且最長(zhǎng)不超過一年。若為多張個(gè)人存單質(zhì)押，以距離到期日最近的時(shí)間確定貸款期限。辦理自動(dòng)轉(zhuǎn)存的存單視自動(dòng)轉(zhuǎn)存期限長(zhǎng)短確定。

　　個(gè)人存單質(zhì)押貸款利率按中國(guó)人民銀行公布的同檔次貸款利率執(zhí)行。利率上浮的最高比例不得超過中國(guó)人民銀行的規(guī)定。借款期限不足6個(gè)月的按6個(gè)月貸款利率確定，提前還貸按原定利率和實(shí)際借款天數(shù)計(jì)算。如遇中國(guó)人民銀行調(diào)整利率計(jì)息，在貸款期限內(nèi)仍按合同利率執(zhí)行。

　　借款人可將貸款用于購(gòu)買住房、汽車、大額耐用消費(fèi)品和用于家居裝修、度假旅游、教育助學(xué)等消費(fèi)需求，以及用于正常經(jīng)營(yíng)的資金需求。

　　個(gè)人存單質(zhì)押貸款額度起點(diǎn)為人民幣1000元;貸款金額原則上以不超過存單面額80%的質(zhì)押率計(jì)算(外幣存款按當(dāng)日公布的外匯(鈔)買入價(jià)折成人民幣計(jì)算);貸款最高限額原則上單筆不超過10萬元人民幣。

　　借款人可用現(xiàn)金或其在中國(guó)銀行的存款償還貸款本息。經(jīng)貸款人同意，借款人可提前歸還貸款本息。