When applying for wealth management products, if the maturity date of wealth management products is less than or equal to half a year, the interest will be calculated according to the half-year loan interest rate; If it is more than half a year but less than one year, the interest shall be calculated according to the one-year loan interest rate; If it is more than one year but less than three years, the interest shall be calculated according to the loan interest rate of this grade. At the time of application, the pledge rate of wealth management products with a term of less than two years (inclusive) is 90%, and the pledge rate of wealth management products with a term of more than two years is 85%. The longest term of a single wealth management product is 5 years.

2. Can the wealth management products of Agricultural Bank be used?

You can't.

According to the provisions of the Property Law of People's Republic of China (PRC):

Article 223 Scope of Pledge

The following rights that the debtor or a third party has the right to dispose of may be pledged:

(1) Bills of exchange, checks and promissory notes;

(2) Bonds and certificates of deposit.

(3) Warehouse receipts and bills of lading;

(4) Transferable fund shares and equity;

(5) Transferable intellectual property rights such as the exclusive right to use a registered trademark, patent right and copyright;

(6) Accounts receivable;

(7) Other property rights that can be pledged according to laws and administrative regulations.

Extended data:

Pledges include treasury bonds (unless otherwise stipulated by the state), national key construction bonds, financial bonds, AAA corporate bonds, savings certificates and other securities. The pledgor shall deliver the title certificate to the lender.

If pledge is adopted, the pledgor and the pledgee must sign a written pledge contract, which will be terminated when the borrower pays off all the principal and interest of the loan; Before the expiration of the pledge period, the lender shall not dispose of the pledged property without authorization. During the pledge period, if the pledge is damaged or lost, the lender shall bear the responsibility and be responsible for compensation.

The pledge contract shall take effect from the date of delivery of the certificate of rights. If the personal savings deposit certificate is pledged, the identity certificate of the bank where the account is opened and the proof of stopping payment shall be provided.