0 1 What is equity financing of patent pledge loan?
Patent pledge loan Equity financing refers to a financing method in which a company obtains loans from financial institutions by taking the patent rights and property rights in the patent rights it reasonably and legally owns as pledge loans, and is committed to assisting small and medium-sized high-tech enterprises to cope with the difficulty of insufficient funds due to the lack of real estate loan guarantee.
What patent right can pledge a loan?
Patent invention, utility model patent right, design patent right and trademark exclusive right that are still reasonable at this stage granted by the State Patent Office according to regulations.
What are the ways of patent pledge loan?
1. Single patent pledge loan: patent pledge loan is the only loan guarantee method for borrowing;
2. Patent pledge loan plus third-party loan guarantee: the patent pledge loan is the key loan guarantee method, and the third-party legal liability guarantee is used as the guarantee to fill the loan;
3. Pledged loan plus other pledged portfolio loans: patent rights are the key contract types, and other contract types such as real estate, machinery and equipment are used as collateral to fill the loan guarantee.
How to operate patent mortgage loan?
1. The proposed borrowing company basically connects with the borrowing financial institution, and puts forward basic suggestions on pledged loans, loan amount, pledge rate, etc.
2. Authorize the asset reporting and evaluation agency to evaluate the patent value and issue an evaluation report before asset reporting;
3. Submit the evaluation announcement report and other materials to the borrowing bank, and sign the loan contract and patent pledge contract with the borrowing financial institution after examination;
4. Will apply for patent or patent pledge registration with financial institutions or authorized organizations at the State Patent Office;
5. Bank loans, the company pays interest.
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