What are the application conditions for intellectual property pledge loan of Changan Bank? And these!

Nowadays, people pay more and more attention to intellectual property rights. If the enterprise has the authority in this respect, it can apply for a loan from the bank. The higher the value, the higher the loan amount, which is very suitable for companies that urgently need money and have no collateral. Today, I will briefly introduce the intellectual property pledge loan under Changan Bank. If there is demand, you can find out.

1. Introduction of intellectual property pledge loan of Chang 'an Bank

Intellectual property pledge loan refers to a credit product pledged by the borrower or a third party with its legally enjoyed and transferable intellectual property rights, such as patent right, exclusive right to use registered trademarks, copyright, etc. Chang 'an Bank issues loans to borrowers.

This kind of enterprise financing can help enterprises solve the difficulties caused by the shortage of fixed assets, especially for science and technology companies, which can obtain loan funds by virtue of intellectual property rights.

Product features:

1. The application process is simple. Compared with mortgage and secured loans, many processes need to be simplified. Just provide the intellectual property certificate.

2. The guarantee method, loan term and loan amount are flexible, and the higher the value, the easier the loan is.

3. Intellectual property pledge can be used for single guarantee, combined guarantee, additional guarantee and counter-guarantee.

4. This product is suitable for small and micro enterprise customers, individual industrial and commercial households and other enterprises that are short of money.

Second, Chang 'an Bank intellectual property pledge loan application conditions

1. The enterprise has been operating for at least one year, and its legal representative/actual controller has certain main business experience.

2. The credit records of the enterprise and the actual controller are good, and there can be no overdue default.

3. Intellectual property rights must meet the requirements of banks. It is best to consult the bank staff with the voucher before handling it.

4. Provide the financial statements and related bills of the enterprise for three years.