The basic principles of work of a pawnshop
Basic principles of work of a pawnshop
Thanks to such institution you can receive money in the shortest terms and with the minimum formalities. As pledge in pawnshops the most various names of a personal estate are given. As the most widespread subjects of pledge mobile phones, household appliances, fur and jewels act. Is also such which specialize on concrete property. There is, for example, an autopawnshop. Pawnshops, as a rule, do not accept as a deposit the military goods, the weapon, awards and medals, equipment not a household purpose, precious metals in the form of ingots, and also the raw jewels. Thus wear of a subject of pledge should not make more than 50 %.
After carrying out an assessment of put property by a pawnshop the credit sum is defined. For this reason it is more preferable to use specialized pawnshops. As it was already told, in the market institutions function, the main which subject of pledge are the cars, expensive watch, mobile phones etc. They will be estimated more objectively and the sum of pledge will be satisfactory.
It is necessary to consider that you receive on hands far not the full sum. For example, for household appliances, as a rule, give about a half from assessment cost, and for hours – 20-40 %. Jewels allow to receive much more – 70-80 %. A prevailing part of pawnshops limit the sum which stands out per customer. More often it makes 50 000 rubles.
Certainly, the pawnshop takes up very high risks. It is hardly possible to track an origin of a thing and at once to estimate level of solvency of the borrower.
Terms are defined by a pawnshop: from a month to one year. The same thing can be pawned unlimited quantity of times. As to pawn crediting, cost its high – from 4 %. Therefore in a pawnshop it is better to address to win time and to find cheaper source of debt funds.