Patent certificates can be mortgaged, because authorized patents can apply for patent pledge loans. Authorized patents are actually intangible assets, and the loan department will review the loan according to the value of the patent. Enterprises, institutions, other economic organizations and individual industrial and commercial households with independent legal personality approved and registered by the local administrative department for industry and commerce may apply for patent pledge loans from various banking financial institutions if they have the patent right granted by China National Intellectual Property Administration according to law.
legal ground
Article 395 of the Civil Code
The following properties that the debtor or a third party has the right to dispose of may be mortgaged:
(a) buildings and other land attachments;
(2) The right to use construction land;
(3) the right to use the sea area;
(4) Production equipment, raw materials, semi-finished products and products;
(5) Buildings, ships and aircraft under construction;
(6) means of transportation;
(seven) other property not prohibited by laws and administrative regulations.
The mortgagor may mortgage the property listed in the preceding paragraph together.