If money is urgently needed, then it is not necessary to get it from the bank, because there is a pawnshop for this. For the use of funds from customers interest is taken. You can rent movable valuable property. The amount is assigned after the assessment. If the parties agree to conclude a deal, an agreement is drawn up.
Between the pawnshop and the client, a period for repurchase is established, the amount of interest. For the approved time, the borrower can return the funds by taking his property. If this does not happen, then the pawnshop becomes the owner of values. He may dispose of things at his discretion. Many believe that only jewelry is taken as collateral, but in fact, the list of things to be taken is longer. What can be handed over to a pawnshop depends on the type of organization.
Purpose of the contract
Lombard is considered an official organization that operates on the basis of a license. An agreement is drawn up between the borrower and the pawnshop, which sets forth the rights and obligations of the parties. The document is useful for going to court in the event of a dispute.
The agreement includes information about the borrower and the lender. The rules for the purchase of property must be observed. What can be handed over to a pawnshop should be found out in a specific organization. The list of things may vary.
List of accepted items
What can I turn into a pawnshop? Although the list of things everywhere can be different, still some of them are accepted everywhere:
- jewelry: gold, silver, platinum;
- jewelry;
- antiques;
- ancient coins;
- high value watches;
- brand things;
- Appliances;
- cars.
Now a network of pawnshops and watches is operating. Each organization can accept a certain type of thing. To get funds, you need to find out what you can turn into a pawnshop. Then, things are evaluated, usually the price is slightly lower than the real one. This is associated with risks if the repurchase of collateral does not follow. A thing must be in good condition if phones, watches and other equipment are rented out.
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 design;
- availability of collateral;
- property repurchase opportunities.
Metal cost
What can I turn into a pawnshop of values? Usually accept earrings, rings, chains, crosses, pendants, pendants, bracelets. Each sample may have its own price, which is determined after evaluation. You can rent new and used jewelry.
The cost of yellow metal in pawnshops is less in comparison with the rate of the Central Bank of the Russian Federation. Each reception point has its own courses. To find out the price of gold, you should determine the Central Bank quotes, taking into account an amendment of up to 50%. If the indicator rises, then in pawnshops the metal also rises in price.
Technique reception
What can I turn into a pawnshop from equipment? As collateral accept computers, laptops, mobile phones, tablets, household appliances. Only the equipment must be in working condition. More benefits are given to new or recently purchased devices. For example, a thing acquired 10 years ago will not be accepted.
The equipment must not be damaged. An employee inspects the device for chips, cracks, abrasions. If there are major flaws, then such a thing will not be accepted. Although in some cities there are points of purchase of old equipment.
Other things
Jewelry is accepted everywhere, but other things - depending on the organization. What can be turned into a pawnshop except gold? Accepted securities, art objects, watches. Before you hand over a 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?
Every adult citizen can contact a pawnshop. The delivery of things occurs with the presentation of a passport. At the time of reception, an inventory of the property is carried out , after which a security 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.
Buyout
Each pawnshop establishes its own rules for the surrender and redemption of things. Usually the product is mortgaged for a month, so interest is paid for this period. When the time has come, 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 buy a thing not only a month later, but also earlier. Then the interest is recalculated, and the overpayment will be less. You can return funds immediately and in parts. Money is given upon receipt of the thing.
Pawnshop services are convenient because loan processing is very fast. In this case, you do not need to collect documents as required to obtain a loan. And if you pay for the thing on time, then you can get it back.