居家过日子,无论是投资买房或购物,难免会有缺钱急用“周转”之时,每当此时,许多人往往手头较紧,而存在银行的定期存单(或债券、国库券)又未到期,怎么办?大多数人可能会想到去银行取未到期的定期存单,或向亲朋好友暂借,以解燃眉之急。这样,不是因提前支取存单而损失了大量利息,就是欠下一笔人情债。尤其是自中国人民银行对存贷款利率作了多次下调以后,如今定期存款的利率比一年前已有较大的差距,这类存单如提前支取,对储户来说损失就太大了。那么,有没有一个既不欠人情债,又无须提前支取存单的“周转”良策呢?有。这就是近年来各家金融机构开办的“个人定期储蓄存单小额抵押贷款”业务。在发达国家,“存单抵押贷款”早已广为流行。纵观我国推出的“定期储蓄存单小额抵押贷款”实施办法,虽然具体规定不尽相同、但一些主要条款大都类似,业务受理对象为 At home, whether it is investing in a house or shopping, it is inevitable there will be a shortage of money urgently. “Whenever this time, many people tend to be short-handed and have bank certificates of deposit (or treasury bills) What should I do? Most people may think of going to the bank to issue non-matured time certificates of deposit or borrowed money from friends and relatives to meet their urgent needs. In this way, not because of early withdrawal of deposit and loss of a lot of interest, is owed the next human debt. In particular, since the People’s Bank of China cut the deposit and lending rates many times, the interest rate on time deposits has now been greatly reduced from a year earlier. Such deposits, if withdrawn in advance, would be too much for the depositors. So, is there any good policy that neither owes the human debt nor withdraws the deposit receipt in advance? This is the ”Personal Fixed Savings Deposit Single Small Mortgage Loan“ business run by various financial institutions in recent years. In developed countries, ”deposit and loan mortgage " has long been widely popular. Throughout our country Although the specific provisions are not the same, but some of the major provisions are mostly similar to the business object of