Can I apply for a utility model patent in my own name and borrow money from a bank? How much can I usually borrow?

This is very difficult! It is easy to apply for a patent now. If everyone goes to the bank with a patent certificate, it will be a mess. Unless your utility model patent has a good market prospect and has been put into production, and the market feedback is good, in this case, the bank will conduct an all-round evaluation of your utility model patent, and after the evaluation, the bank will give you a loan if it feels profitable. However, the utility model has a problem, that is, the protection period is too short, only 10 years from the date of application. Generally, when your utility model patent can see that the market prospect has passed two or three years or three or four years, the original market value is 1 10,000, which will be greatly discounted after evaluation.