The conditions of rural entrepreneurship loans mainly include: 1. At least 18 years old, with full capacity for civil conduct; 2. Have local permanent residence and permanent residence; 3. Entrepreneurial projects are in line with national industrial policies, products meet social needs, and the predicted economic benefits are good; 4. Have the ability to repay the loan principal and interest on time; 5. Be law-abiding, honest and trustworthy, and have no bad credit record; 6. Have a settlement account in the loan bank. Where a guarantee or mortgage/pledge is provided, the guarantor must also have sufficient economic strength and the ability to replace repayment; Collateral should be valuable and easy to realize; Pledge, certificate and rights are true and clear, and the bill is legal and valid. In fact, different banks have different requirements for loans. So I suggest that before you apply, you'd better consult the staff of the handling bank to see if you meet the loan conditions proposed by the bank. The relevant policies implemented in different regions will also be different. For example, some areas have also introduced some preferential policies specifically for rural entrepreneurial loans, such as interest-free loans. Can rural entrepreneurship get agricultural loans? 1. Family farm. For the guarantee of family farms and single-family specialized households, some banks provide the mortgage of agricultural machinery, agricultural and sideline products, forest rights, new rural property rights, "company farmers" and professional cooperatives. However, it is worth noting that the land transferred by the family farm cannot be mortgaged or guaranteed, and the borrower needs to be a local hukou, with good assets and no bad records. 2. Cooperatives. Farmers' professional cooperatives can apply for loans through "farmers' joint guarantee and mutual assistance fund guarantee", "farmers' joint guarantee and farmers' cooperative guarantee" or other guarantee methods. At present, individual areas can also use the right to contracted management of land for loans. General banks will comprehensively evaluate the loan amount of cooperatives according to their credit status, liabilities and repayment ability. Generally speaking, the loan amount will not exceed 70% of their net assets, and cooperatives can also enjoy local preferential interest rates. 3. Agricultural small and micro enterprises. Small and micro agricultural enterprises can submit written loan applications to local financial institutions. After accepting the application, the financial institution will make a preliminary investigation on the subject qualification, basic situation, business scope, financial related status, credit rating, development prospect, capital demand and repayment ability of the enterprise. After the audit is completed, the financial institution will approve the loan. After approval, the lender will sign a formal contract with the enterprise and issue loans according to the progress of the enterprise's capital use.

Two, rural youth patent entrepreneurship poverty alleviation loan conditions

Migrant workers are allowed to return to their hometowns to start businesses, except in industries or fields explicitly prohibited and restricted by national laws and regulations. Encourage and support the establishment of collectives in their hometowns) enterprise restructuring and public facilities, infrastructure and social welfare projects. Healthy migrant workers' family houses, rental houses and temporary commercial houses are used as business premises on the premise of meeting the requirements of safety, environmental protection and fire protection. Second, follow the principles of simplicity, low fees, fast service and excellent service, and implement the systems of joint examination and approval, one-stop service, time-limited completion and promised service to provide timely, efficient and convenient services for migrant workers. Third, increase support. The implementation of the home business loan discount system focuses on. For enterprises founded by migrant workers who meet the discount conditions for agricultural industrialization, the approval conditions for discount are appropriately reduced and priority is given to discount; For migrant workers who meet the conditions of poverty alleviation loans, priority is given to poverty alleviation project loans. Four, the implementation of rural entrepreneurship to attract investment to enjoy the same preferential policies, after registration, in the industrial and commercial registration, access conditions, business scope, registered capital and other aspects of the implementation of employment policies. According to preferential policies, start businesses for laid-off workers in cities and towns. For those who are engaged in self-employment, the business tax threshold should be appropriately raised, and no personal income tax, business tax and value-added tax will be levied on migrant workers who return home to start businesses. Those who bid for individual industrial and commercial households will be exempted from administrative fees related to management, registration and license; Engaged in agriculture, forestry, animal husbandry and fishery service projects shall be exempted from enterprise income tax. Enterprises founded by migrant workers have difficulties in paying property tax and land use tax, which shall be exempted or not levied by the competent authorities. V. Providing financial services. For migrant workers who return home to start businesses, the local guarantee fund can provide them with a small amount of interest subsidies for low-profit projects during the maximum support period of 50 thousand. Expand the scope of returning migrant workers' application for loan collateral property. For entrepreneurs with complete licenses, such as housing property rights, land use rights, machinery and equipment, large durable consumer goods and securities, registered trademarks, invention patents and other objects. , there is no third party counter-guarantee, which can be managed by the on-the-job managers of government agencies and institutions. Simplify the application procedures for returning migrant workers to start businesses. For migrant workers who apply for returning home to start businesses, the township labor security office will issue a certificate of returning home, review and recommend it, and the county-level small secured loan center will conduct qualification identification and project review to issue loans. Six, properly solve the problem of entrepreneurial land. Incorporate business land into the overall planning of urban and rural development, and do a good job in infrastructure and construction land for rural entrepreneurship of migrant workers. Migrant workers use idle land, factories, corners of towns and villages, merged primary and secondary school buildings in rural areas, barren hills and wasteland to start businesses. In accordance with the principle of legality, voluntariness and compensation, encourage land transfer to the hands of migrant workers with funds and skills. Allow returning migrant workers to start small-scale processing projects that meet environmental protection, safety and fire protection conditions, and build production houses within the homestead. Seven. Provide information and technical services.

Three, rural youth patent entrepreneurship poverty alleviation loan conditions

I'm here to read the comments.

Fourth, can the patent certificate be lent?

If you are talking about a patent right, you can do it in a bank, provided that the bank has this business.

When examining the pledge, the bank needs a patent certificate, not your patent certificate, but a copy of the patent register representing the latest legal status of the patent right. Of course, the bank will also evaluate the value of your patent to determine the loan amount.