Mortgage loans from banks by intellectual property

Mortgage loans by intellectual property. The State Bank (SBV) are gradually expanding forms of collateral pledge as collateral under the general trend of the market economy is bank loans guaranteed by intellectual property.

Recently, in order to provide the knowledge and experience of capital secured by intellectual property (TSTT), reverse mortgage lenders in contributing to the growth of credit and create the opportunity to bank loans for small and medium businesses, The Vietnam Bank Association (VNBA) in collaboration with the international financial organizations (IFC) put out quite a lot of positive points in the lending.

The kind of collateral for loans before now

, but in the context of real estate mortgaged property market are still making it difficult for the Bank in the recovery of the debt, to reduce the risk capital financing secured by property, TSTT was viewed as effective solution for commercial banks , thereby creating the impetus to boosting production, the business of the business.

On the other hand the majority of small and medium enterprises do not have fixed assets to pledge, while the capital needs of this huge business. So was Bank loans in the form of trust or home mortgage loans by TSTT will facilitate this businesses expand production business.

Admit this, said John Kinzerm, Executive Director of the Asian network block NH Silicon Valley, said, has solved more than 300 mortgage loans by TSTT. In particular, the priority areas are medical technology, software, hardware and clean technology.

In Vietnam, this in the form of loans also can fully succeed if the banks deploy while enterprises understand the your TSTT, and related legal system continues refinancing a mortgage to be perfected. The advantage of water after the Vietnam commercial bank can learn experiences from other countries have deployed to from which to apply success into reality.

In 1975, the total intangible assets (17%) and tangible (83%). By 2010, the intangible assets increased by 80%, while tangible assets only 20%. As such, the expansion of mortgage loans under intangible assets is inevitable trend that banks must make. However, if you do not have a certain limit of credit Bank Law hard the hard redirects.

To make decisions regarding loans secured by assets or loans secured by property, URBAN COMMERCIAL usually based on standards such as mortgage loan officer from the effectiveness of investment projects, production, business plans, the financial ability of borrowers, loan purpose use , loan amount ... in order to reduce to the lowest risk occurs. SBV encourage lending by TSTT without the accompanying policy changes then that's hard to accomplish.

Mortgage Bank loans by TSTT is reverse mortgage calculator advantages and should be applied, however, to the form of this loan, the SBV and effective State management agencies need to enact many of the related conditions as well as additions, changing the law to limit the credit risk lowest.

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