What are the conditions for applying for a patent loan?

Using patent loans, the value of patents is very important. Generally speaking, the higher the value a patent can generate, the higher the amount it can lend. Before going to the bank for a loan, the obligee should make a corresponding patent value evaluation. In addition, enterprises that use patent loans should at least meet the following conditions: 1, the patent or patents are valid and legal, and there are corresponding patent certificates; 2. The applicant enterprise must be established for more than one year, with stable employees and certain business premises; 3. The applicant enterprise has clear property rights, clear organizational structure and no illegal business practices; 4. Enterprises applying for patent loans can provide other guarantee methods recognized by banks or guarantee institutions; 5. The enterprise holds a valid legal loan card of China People's Bank for annual inspection.