What can be taken to a pawnshop: a list of things

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

If you urgently need money, then it is not necessary to get it from the bank, because there is a pawnshop for this. For the use of funds from clients, interest is taken. You can rent movable valuable property. The amount is assigned after the assessment is completed. If the parties agree to conclude a deal, then a contract is drawn up.

Between the pawnshop and the client, a period for redemption is set, the amount of interest. During 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 the valuables. He can dispose of things as he pleases. Many people think that only jewelry is taken as collateral, but in fact the list of things accepted is longer. What can be taken to a pawnshop depends on the type of organization.

Purpose of the contract

Pawnshop 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 out the rights and obligations of the parties. The document will be useful for going to court in case of disputes.

The agreement includes information about the borrower and lender. You must follow the rules for the purchase of property. What can you take to a pawnshop?should be checked with the specific organization. The list of items may vary.

List of accepted items

What can I pawn? Although the list of things can be different everywhere, some of them are accepted everywhere:

• jewels: gold, silver, platinum;
• jewelry;
• antique;
• old coins;
• high value watches;
• brand items;
• household appliances;
• cars.

Now there is a network of car pawnshops and watches. Every organization can accept a certain type of thing. To get funds, you need to find out what you can take to a pawnshop. Then an appraisal is performed, usually the price is slightly lower than the real one. This is associated with risks if the redemption of the collateral does not follow. The thing must be in good condition if phones, watches and other equipment are rented.

Benefits of such a loan

Most pawnshops accept the same things. For example, gold can be handed over everywhere, only its value can differ. Such loans are popular due to:

• quick clearance;
• collateral availability;
• opportunities to buy property.

Metal cost

What can be pawned from valuables? Usually they accept earrings, rings, chains, crosses, pendants, pendants, bracelets. Each sample may have its own price, which is determined after evaluation. You can donate new and used jewelry.

Cost of the yellow metal inpawnshops less compared to 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 quotes of the Central Bank, taking into account an amendment of up to 50%. If the indicator rises, then the metal in pawnshops also becomes more expensive.

Technique reception

What can I pawn from equipment? Computers, laptops, mobile phones, tablets, household appliances are accepted as collateral. Only the equipment must be in working condition. More benefits are given to new or recently purchased devices. For example, an item purchased 10 years ago will not be accepted.

Equipment must not be damaged. The 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 for buying up old equipment.

Other stuff

Jewelry is accepted everywhere, but other things - depending on the organization. What can be pawned besides gold? Securities, art objects, watches are accepted. Before renting a thing, you should calculate whether it will be profitable. Most pawnshops accept precious metals and stones as they always have value.

Who can pawn things?

Every adult citizen can apply to a pawnshop. Delivery of things occurs with the presentation of a passport. During the reception, an inventory of the property is carried out, after which a pledge ticket is provided. It indicates the period for which the item is pledged. The document includes the price of the property,percentage, amount and other information.

Ransom

Each pawnshop sets its own rules for the delivery 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 item. He also has the right to extend the contract if he pays a percentage.

You can redeem a thing not only after a month, but even 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 item.

Pawnshop services are convenient because loans are processed very quickly. In this case, you do not need to collect documents, as is required to obtain a loan. And if you pay for the item on time, you can get it back.