If your business is well run and your utility model is very good, you can apply for a loan from the local intellectual property office. Banks do not sell accounts.

2. How can I apply for a loan if I have a utility model patent?

The utility model can be lent out. But whether you can get a loan or not depends on your strength. At present, most banks do not recognize patent loans, and even if they do, they will conduct inspection and risk assessment from many aspects.

Third, what should we pay attention to in patents?

The following are the qualifications required for patent application:

1. The registered place is an enterprise or institution as a legal person.

2. Invention patents, utility model patents and design patents granted patent certificates in China National Intellectual Property Administration according to law.

3. The validity period of the invention patent shall not be less than 10 year, and the validity period of the utility model patent and the design patent shall not be less than 5 years.

4. The patent right does not involve national security and secrets.

Another point is that the patent projects that have been granted patent rights are in the substantive implementation stage, and have formed the scale of industrial operation, which has certain market potential and good economic benefits. In fact, the process of patent pledge financing is a bit like patent application, which requires patent application, examination and authorization. First of all, it is necessary to examine whether the patentee is qualified to apply, then whether it meets the implementation standards through examination, and finally directly handle the business through authorization.

4. How can I apply for a loan if I have a utility model patent?

If your business is well run, your utility model patent has been put into production and business is very good, you can apply for a loan at your local intellectual property office. Under normal circumstances, you can't get a loan.

Banks do not sell accounts.