How to apply for patent mortgage loan?

An enterprise applying for a patent pledge loan from a bank should generally meet the following conditions: the borrower applying for a patent pledge loan business must meet the following conditions in addition to the conditions stipulated in the General Rules for Loans: 1, a scientific and technological small and medium-sized enterprise that can pledge legal and effective patents and has the ability to implement patents and make profits; 2. Hold a loan card issued by the People's Bank of China that has been valid for annual inspection. 3. The establishment time must be at least 1 year (inclusive), with a fixed production and business premises and a stable workforce. 4. Clear property rights, reasonable organizational structure, sound management system and standardized operation; 5. The implementing enterprise used for patent pledge guarantee promises in writing that the transfer or authorization of the third party to use the pledge during the pledge period must be approved by the commercial bank, and the transfer fee, license fee and proceeds from patent implementation must be used to repay the loan first. 6. Commercial banks can provide other guarantee methods recognized by banks or guarantee institutions according to their needs; Able to provide contracts, purchase orders, invoices, etc. Have a real trade background and reflect the purpose of the loan; 7. Other conditions required by commercial banks.