What conditions do you need to pledge a loan patent with a patent?

Patents used for pledge (hereinafter collectively referred to as "pledged patents") shall generally meet the following conditions: 1, pledged patents are limited to invention patents and utility model patents; 2. Pledged patents must be legal and effective, authorized, and have strong profitability and good development prospects; 3. If the pledged patent right is a single patent, the patent right has been substantially implemented for at least 2 years (inclusive), and the patent is still in use and profitable when the borrower applies for a loan; If the pledged patent rights are multiple patents, at least 1 patent should have been substantially implemented for more than 2 years (inclusive), and the patent is still in use and profitable when the borrower applies for a loan; Where the patent right has won a patent award at or above the municipal level, the use time of the pledged patent right may exceed 1 year (inclusive); 4. The validity period of the invention patent shall not be less than 8 years, and the existing validity period of the utility model patent shall not be less than 4 years; 5. Patent pledge shall not involve national security and secrets; 6. Other conditions stipulated by commercial banks. The following patent rights cannot be used as pledge: 1, the patent right is declared invalid or has been terminated; 2. The patent right has been started and the procedure for invalidation has not yet ended; 3. The loan term exceeds the validity period of the patent right; 4. There are various disputes over patent rights (including civil disputes and administrative disputes); 5. Patents without good market prospects; 6. Other conditions stipulated by commercial banks.