Legal analysis: The restrictions on personal patent pledge loans are as follows: (1) The pledged patent right has obtained the patent certificate issued by China National Intellectual Property Administration according to law. (2) The place where the patent is registered needs to be an enterprise and a legal person to pledge the loan. (3) Three restrictions on the validity period: the remaining validity period of the invention patent shall not be less than ten years; The remaining period of validity of the patent for utility model shall not be less than five years; The term of validity of a design patent shall not be less than five years.
Legal basis: Article 440th of the Civil Code of People's Republic of China (PRC). The following rights that the debtor or a third party has the right to dispose of may be pledged: (1) bills of exchange, promissory notes and checks; (2) Bonds and certificates of deposit: (3) Warehouse receipts and bills of lading; (4) Transferable fund shares and equity; (five) the right to exclusive use of registered trademarks, patents, copyrights and other intellectual property rights that can be transferred; (6) Existing and future accounts receivable; (7) Other property rights that can be pledged according to laws and administrative regulations.