If money is urgently needed, then they are not necessarilyreceive from the bank, since there is a pawn shop for this. For the use of funds from customers take interest. You can rent movable valuable property. The amount is assigned after the evaluation. If the parties agree to conclude a deal, then an agreement is drawn up.
A period is set between the pawnshop and the client.for redemption, interest rate. For the approved time, the borrower can return the funds by taking away their property. If this does not happen, then the pawnshop becomes the master of values. He can dispose of things on his own. Many believe that only jewels are taken as collateral, but in fact the list of accepted items is more. What can be handed over to a pawnshop depends on the type of organization.
Purpose of the contract
Lombard is considered the official organizationwhich works on a license basis. A contract is drawn up between the borrower and the pawnshop in which the rights and obligations of the parties are stated. The document is useful for going to court in the event of a dispute.
The agreement includes information about the borrower andlender You must comply with the rules of redemption of property. What can be handed over to a pawnshop should be recognized in a particular organization. The list of things may differ.
List of accepted items
What can be pawned? Although the list of things can be different everywhere, yet some of them are accepted everywhere:
- jewelry: gold, silver, platinum;
- jewelry;
- antiques;
- ancient coins;
- high value watches;
- branded items;
- Appliances;
- cars.
Now there is a network of pawnshops and watches.In each organization can take a certain type of things. To receive funds, you need to find out what you can pass to the pawnshop. Then the assessment of things is performed, usually the price is slightly lower than the real one. This is due to the risks if redemption of the collateral is not followed. A thing must be in good order if phones, watches and other equipment are dealt with.
The advantages of such a loan
Most pawn shops accept the same things. For example, gold can be handed over everywhere, only its value can differ. Such loans are popular due to:
- speed of registration;
- availability of collateral;
- opportunity to purchase property.
Metal cost
What can pawnshop out of values?Usually take earrings, rings, chains, crosses, pendants, pendants, bracelets. Each sample can have its own price, which is determined after evaluation. You can donate new and used jewelry.
The cost of the yellow metal in pawnshops is lesscompared with the course of the Central Bank of the Russian Federation. Each reception point has its own courses. To find out the price of gold, it is necessary to determine the Central Bank quotes, taking into account the amendment up to 50%. If the indicator rises, then metal also rises in price at pawn shops.
Reception technology
What can be handed over to the pawnshop of the technique?Computers, laptops, mobile phones, tablets, and home appliances are accepted as collateral. Only appliances must be in working condition. More benefits are given to new or recently purchased devices. For example, a thing purchased 10 years ago will not be accepted.
The equipment must not be damaged.The employee examines the device for the presence of chips, cracks, scuffs. If there are major flaws, then such a thing will not accept. Although in some cities there are points of purchase of old equipment.
Other things
Драгоценности принимают везде, а вот другие вещи - depending on the organization. What can be pawned except gold? Accepted securities, art, watches. Before you take the thing, you should calculate whether it will be profitable. Most pawn shops accept precious metals and stones, as they always have value.
Who can pawn things?
Anyone can apply to the pawnshopadult citizen. Delivery of things happens with the presentation of a passport. During the reception an inventory of the property is performed, after which a pledge ticket is provided. It indicates the period for which the thing is laid. The document includes the price of the property, interest, amount and other information.
Redemption
Each pawnshop sets its own rules forforeclosure stuff. Usually the product is laid for a month, so interest is paid for this period. When it's time, the client can return the money, pick up his thing. He also has the right to extend the contract, if you make a percentage.
You can redeem a thing not only a month later, but earlier. Then the interest is recalculated, and the overpayment will be less. You can return the funds immediately and in parts. Money is given upon receipt of the item.
Lombard services are convenient becauseloan processing is very fast. In this case, you do not need to collect documents, as is required for obtaining a loan. And if you pay in time for a thing, you will be able to return it to yourself.
