Right , let me run through your options . You can go ahead and cash your undue Large-Amount Deposit Certificate if you really want to , but I'd recommend a Personal Durable Commodities Loan .   OK , what does that entail ?   It's not too much trouble to do it this way and remember , your certificate is due in 2 months . If you can hold on to it , it'll be much better for your finances .   Yes , it does seem a little silly to cash it now . I'll probably need about 25,000 RIB . Will that be a problem ?   Not at all , Mr Zu . As the certificate is due in 2 months , you can get the loan on mortgage of that certificate .   I'm glad you thought of this . I'd have just gone ahead and cashed it ! And I suppose I can use the money from the certificate to pay back this Personal Durable Commodities Loan and I won't lose any interest , right ?   Exactly right . If you'd like to go ahead , I can process that for you now , Mr Zu .   Absolutely , Jenny . Thanks very much , I think you've saved me quite a lot of money today . 