What can I take to the pawnshop: a list of things

If money is urgently required, it is not necessary to receive it from the bank, as there is a pawnshop for this. The use of funds from customers takes interest. You can give away valuable property. The amount is assigned after the evaluation. If the parties agree to conclude a deal, a contract is drawn up.

Between the pawnshop and the client, a period for redemption is set, the interest rate. For the approved time, the borrower can return the funds by taking his property. If this does not happen, then the pawnshop becomes the master of values. He can dispose of things at his discretion. Many believe that as a pledge, only jewels are taken, but in fact the list of accepted things is greater. What can be transferred to a pawnshop depends on the type of organization.

Purpose of the contract

Lombard is considered an official organization that operates on a license basis. Between the borrower and the pawnshop a contract is drawn up, in which the rights and obligations of the parties are prescribed. The document is useful for applying to the court in case of disputes.

The agreement includes information about the borrower and the lender. It is necessary to comply with the rules for the purchase of property. What you can take to a pawnshop, you should know in a particular organization. The list of things may differ.

List of accepted things

What can I take to the pawnshop? Although the list of things everywhere can be different, yet some of them are accepted everywhere:

• Jewelry: gold, silver, platinum;
• jewelry;
• Antiques;
• ancient coins;
• Hours of high cost;
• Branded things;
• Appliances;
• Cars.

Now there is a network of car shops and watches. In each organization can take a certain type of things. To get the money, you need to find out what you can hand over to the pawnshop. Then the thing is evaluated, usually the price is slightly below the present one. This is associated with risks, if the repayment of collateral is not followed. The thing should be serviceable if phones, watches and other equipment are handed over.

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;
• The possibility of redemption of property.

Cost of metal

What can I pass to a pawnshop of values? Usually accept earrings, rings, chains, crosses, pendants, pendants, bracelets. Each sample can have its own price, which is determined after the evaluation. You can hand over new and used jewelry.

The cost of yellow metal in pawnshops is less than that of the CBR. Each course has its own courses. To determine the price of gold, you should determine the quotes of the Central Bank, taking into account the amendment to 50%. If the index rises, then in pawnshops metal also becomes more expensive.

Reception technique

What can I take to the pawnshop from the machinery? As a deposit take computers, laptops, mobile phones, tablets, household appliances. Only machinery should be in working order. More advantages are given to new or recently purchased devices. For example, a thing acquired 10 years ago will not be accepted.

The technique should not be damaged. The employee inspects the device for chips, cracks, scuffs. If there are major shortcomings, then such a thing will not be accepted. Although in some cities there are points of buying up old equipment.

Other things

Jewelry is accepted everywhere, but other things - depending on the organization. What can I take to the pawnshop except gold? We accept securities, art, watches. Before you hand over a thing, you should calculate whether it will be profitable. Most pawnshops accept precious metals and stones, because they always have value.

Who can pledge things?

Any adult citizen can apply to the pawnshop. The delivery of things occurs with the presentation of a passport. At the time of admission, an inventory of assets is carried out , after which a security ticket is provided. It indicates the period on which the thing is laid. The document includes the price of the property, interest, amount and other information.

Redemption

Each pawnshop establishes its own rules for the surrender and redemption of a thing. 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 item. 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 also earlier. Then the interest is recalculated, and the overpayment will be less. You can return the funds immediately and in parts. They give money when they receive a thing.

The services of the pawnshop are convenient, as the registration of loans takes place very quickly. In this case, you do not need to collect documents, as required to obtain a loan. And if you pay for the thing in time, you will get it back.