Funds cannot be used as mortgage loans, but they can be used as pledge loans. There are certain differences between mortgage and pledge. In addition, although some banks can pledge loans, the branches of banks have no authority or are difficult to approve, so they may not handle them. It is best to go to a tier-one branch or sub-branch.

Pledge refers to the pledge of movable property or rights and interests. After the investment expires, it should be possible to get back the pledge, and the pledge institution only has the right to use it, but has no ownership. Generally, pledges that can be pledged include: certificates of deposit, government bonds, insurance policies, physical gold bought and sold by banks on their own or on their behalf, and other rights certificates that can be pledged according to law.

Many institutions do not apply for pledge because the fund income is floating, so it is impossible to evaluate assets. Generally speaking, if the fund loses money, the bank will take more risks.