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存单抵押贷款是指用银行存款凭证作抵押,向银行借款的方法。存单包括整存整取、存本取息、华侨人民币储蓄、外币定期储蓄存款存单。存单抵押贷款额度一般以人民币1000元为起点,每笔贷款金额不超过抵押存单金额的80％,最高限额为10万元人民币。 贷款期限不超过抵押存单的到期日,最长期限不超过1年。抵押贷款的利率,按照同期的流动资金贷款利率确定。不足6个月的,按6个月贷款利率计算;
The deposit-only mortgage loan refers to the method of using a bank deposit certificate as a mortgage and borrowing from a bank. The depositary receipts include deposit and withdrawal, deposit and withdrawal, overseas Chinese RMB deposit and foreign currency fixed deposit deposit receipt. The deposit and loan denomination generally starts at RMB 1,000, and each loan amount does not exceed 80% of the amount of the deposit certificate. The maximum limit is RMB 100,000. Loan period does not exceed the maturity of the deposit certificate, the longest period of not more than 1 year. Mortgage interest rates, in accordance with the same period of working capital loan interest rates. Less than 6 months, according to 6-month loan rate calculation;