Loans Department , how can I help you ?   Hello . Could you give me some details about your Personal Pledge Loans , please ?   Certainly , Sir . I'd be happy to . The Personal Pledge Loan is a loan secured by undue certificates , Time Deposits , for example , or Visible Treasury Bonds .   So , as long as I have one of those , I can apply for a Personal Pledge Loan ?   That's correct , Sir . The bank will issue receipt to you and also take care of all the pledged securities .   Mmmm ... how about the period of repayment ?   The maximum maturity period is a year , but it also cannot exceed the maturity on the certificates used as collateral . 