1. Can I apply for a loan when applying for a national patent?
It is possible to apply for a loan when applying for a national intellectual property patent. Some local policies provide loan subsidies for patent pledges. For example, in Hefei City’s 153 policy, point 6 of Hefei City’s 2016 policy to promote independent innovation encourages patent financing. Support enterprises in financing through patents. If the loan amount reaches more than 15 million yuan, the enterprise will be given a one-time subsidy of 500,000 yuan for loan interest and patent evaluation fees. For guarantee institutions that carry out patent pledges, if the guarantee amount reaches more than 20 million yuan, a reward of 500,000 yuan will be given to the guarantee institution. When carrying out intellectual property business, enterprises can obtain intellectual property rights in the following ways: 1. Separately pledge single or multiple patent rights. 2. Mainly use tangible assets as collateral, and use patent rights as pledge to enlarge the loan amount. 3. The main purpose is to pledge the patent rights, supplemented by the mortgage of tangible assets or the unlimited joint and several liability guarantee of the legal representative. 4. Pledge it to the guarantee institution in the above manner and obtain a bank loan as a guarantee.
2. Which banks can I go to for loans with a patent certificate?
You don’t just need to apply for a patent to get a bank loan. To see what the actual value of the patent is, the main thing is to provide relevant proof in this regard
3. Can I apply for a loan for a national intellectual property patent?
Authorized patents can be patented and need to go through the patent pledge process. The relevant application form has a template on the official website of the State Intellectual Property Office. You must first apply for patent pledge, and then a third party will issue a patent pledge evaluation report, and then Take the pledge contract, application form, pledge report and other documents to the State Intellectual Property Office for filing. After completing the process, you can apply for a bank loan. Please check the official website of the State Intellectual Property Office for the detailed process. However, this industry is in the early stages of development and is currently relatively complete in Shandong. , Tianchang City in Anhui Province has just entered the pilot stage, you can go and find out about it.
4. Can national intellectual property patents apply for loans?
Authorized patents can be patented.
The authorized patent is actually an intangible asset. The value of the patent is reviewed and released.
An enterprise with independent legal personality that has been approved and registered by the local industrial and commercial administration agency (or competent authority) ( Public institutions, other economic organizations, and individual industrial and commercial households have patent rights granted by the State Intellectual Property Office in accordance with the law, and can apply for patent rights from banks within the jurisdiction of Huangshi City.
Loans are limited to acceptance business) and fixed asset investment in patent projects.
Extended information
Enterprises submit intellectual property rights to banks
When applying for intellectual property rights, the trademark registrant should hold the "Trademark Registration Certificate" and the patentee should hold Submit a loan application to the bank with the "Patent Certificate" and other relevant materials required by the bank. Financial institutions preliminarily analyze their asset concepts for different customers: first, the access standards for loan entities, and second, the access standards for pledges.
The admission standards of loan entities can be determined through the credit performance analysis, solvency analysis, profitability analysis, business development capability analysis, comprehensive capability analysis, etc. of the loan enterprise. In practice, customers and high-quality customers are The lending bank and other banks have no bad records.