Tested for myself. How to hand over gold to a pawnshop, and then return it?

PRICE-LIST

Prices for precious metals in products and scrap purchased from individuals (except for the purchase and sale by banking and non-bank financial institutions of precious metals in the form of measured bars and coins from individuals)
Chapter 1

. Purchase prices in Belarusian rubles for samples per gram of metal when buying and exchanging for new jewelry

Chapter 2

. Purchase prices for precious metals in the form of dental products in Belarusian rubles per gram of metal when purchasing and exchanging for new jewelry

Chapter 3

. Purchase prices for precious metals in products and scrap of samples not provided for in table 1.2 in Belarusian rubles by sample per gram of metal when buying and exchanging for new jewelry

The exchange of old gold for new jewelry is carried out in all Tsar's Gold salons according to the work schedule of retail facilities.

Addresses of gold exchange salons:

Gold purchases are carried out in the Tsar’s Gold salons at the following addresses:

• Minsk, st. Pritytskogo 156/1-1, Green City shopping center, opening hours from 10:00 to 22:00. Tel.+375291599265
• Gomel, Pobedy Ave. 20. Opening hours from 10:00 to 20:00.

The purchase of valuables in exchange for new jewelry is carried out from sellers of valuables - individuals who have reached the age of majority or have acquired full legal capacity in accordance with the law before reaching the age of majority, unless otherwise established by legislative acts, subject to the presentation by the seller of valuables of an identity document or certificate on registration of an application for refugee status or additional protection in the Republic of Belarus or a certificate of additional protection in the Republic of Belarus (in the absence of an identity document).

The purchase of valuables is carried out regardless of the presence of name marks and assay marks on them.

Valuables offered for purchase must be free of fat, dirt, and fillers.

The scales are installed in such a way that the seller of valuables has the opportunity to verify that the total weight of valuables is determined correctly.

Buying and exchanging silver

Like gold, silver is used to make jewelry, parts and products such as dishes, figurines and other things. But over time they become unnecessary. Since there is no point in storing them on shelves, it is better to take them for change or exchange silver. You can donate silver in Minsk at any specialized pawnshop or jewelry store. Just decide on a silver item and bring it to the pawnshop. Drawing up a deal will not take much time. The item brought will be sampled to determine the amount of genuine silver metal in the item and its quality. The most popular standard of precious materials is metal with a purity of 999. It is considered the most expensive. And the older the silver, the more careful inspection it requires. Although, you can make good money with other types of silver. The main thing is to contact an honest organization that is licensed and provides clients with only profitable services. After the sample, the product will be weighed, and the appraiser will determine the amount for which the pawnshop will accept it. The decisive indicator of value is the weight of silver - and each institution sets a certain price per gram of metal. Silver products can be left as collateral, as well as works made of any worthwhile metal. The purchased metals are sent for melting, so the presentable condition of the product is not so important. Although, if the product is externally clean and has no serious defects, it can probably be sold for more. If silver items are badly damaged, it is better to scrap them.

How it works?

At purchase points** located in ZIKO stores, you can:

Exchange silver and (or) gold jewelry for goods from the entire range presented in the ZIKO store and (or) for ZIKO gift certificates.

Example 1: cost of a rose gold wedding ring art. 143079.14KR — 439.20 rub. using a ZIKO customer card. You are taking old 585-carat gold jewelry weighing 5 grams for credit. The cost of the ring upon exchange will decrease by 372.95 rubles. and will be only 66.25 rubles.

Example 2: cost of a rose gold bracelet art. 612320ГПГ.070.14KR — 715.50 rub. using a ZIKO customer card. You are taking old 585-carat gold jewelry weighing 4 grams for credit. The cost of the bracelet upon exchange will decrease by 298.34 rubles. and will amount to 417.14 rubles.

Prices for precious metals in products and scrap purchased from individuals

1. How is the price of gold formed? How can I get a deposit for gold in Minsk? What should you pay attention to?

The price depends primarily on the sample and weight of the product. It doesn’t matter what you want to pawn, a torn bracelet or earrings with emeralds, only the weight of the metal is considered, and stones are not taken into account. The higher the purity and weight of the product of the pledged item, the higher the estimated value. Separate prices and tariffs are set for dental gold.

1. Where is it more expensive to pawn gold in pawn shops?

This question is appropriate anywhere except in the territory of the Republic of Belarus. All prices for gold in banks, jewelry stores, workshops, factories and pawnshops are the same and are strictly regulated by the Ministry of Finance.

1. What costs more and is more profitable, gold in measured bars or jewelry?

The appearance of the item being surrendered does not affect the estimated value. The main criteria are sample and weight. The advantage of a pawnshop over jewelry stores is that you can buy back a memorabilia or family heirloom from us, which cannot be said about buying it up at factories and in specialized collection points.

1. When and how is the price of gold set?

The Ministry of Finance of the Republic of Belarus annually establishes fixed tariffs for precious metals. The cost is the same in all institutions carrying out relevant activities (pawnshops, banks, jewelry factories, shops, workshops).

1. Does the quality of the product affect the estimated value?

Appearance, jewelry work by a master, breakage of the collateral item, the presence of precious and semi-precious stones do not matter. When evaluating, only the sample and weight of the product are taken into account.

1. How is jewelry with precious stones valued?

Stones are not taken into account. The weight and fineness of the product of the pledged property are included in the calculation. When giving family heirlooms to a pawnshop or expensive jewelry with stones, make sure that the collateral is redeemed in a timely manner. Upon expiration of the contract, gold items are stored in the pawnshop for only 45 days, after which they are sent to the state storage facility for melting down.

1. If a pawnshop is open 24 hours a day, does this affect the price of gold at night?

The VDOLG pawnshop operates around the clock for the convenience of customers; this does not in any way affect the cost of services or the price of precious metals. A pawnshop, like any convenience store or ambulance, is simply always necessary, so it is available at any time.

1. How much will the overpayment be for the redemption of collateral property?

Everything is very individual. The ransom depends on several factors:

• weight of the pledged property;
• try;
• cost of gold per gram;
• loan term;
• agreement conditions.

You can leave a review about our organization in the appropriate section. Our rating is 9.8/10. Based on 112 reviews.

Exchange of silver items:

1. Select silver jewelry from the range provided.

2. Exchange your items for jewelry from the ZORKA brand. The price per gram of silver is set higher than when purchased (Chapter 2 price list)

3. Exchange your products for goods from the entire range presented in the ZIKO store and (or) for ZIKO gift certificates. The price per gram of silver is set at the price of the Ministry of Finance of the Republic of Belarus. (Chapter 1 of the price list)

4. Get additional benefits with your customer card and use bonus points when purchasing. If the cost of the new item is higher than the amount offered to you for the trade-in item, you may be able to pay the difference in price.

Source

Buying and exchanging gold

Renting or selling expensive metals is not uncommon. These services are even used as an opportunity to reliably save your money. But often, wanting to earn or save the necessary money, people hand over various works of precious materials to the first shops or private buyers they come across. Without thinking that they will be provided with unprofitable services. In order not to be deceived in the price or terms of services, contact only specialized organizations. The delivery and exchange of gold with profitable services is carried out in pawnshops and workshops. You can also donate gold in Minsk in jewelry stores. The whole procedure takes place very quickly, and in the presence of the client. The appraiser will sample the gold. Sample of material is not a difficult task; it does not require any special knowledge or skills. But this procedure is necessary to determine the pure solar metal in the entire production. Products can be very different - dishes, jewelry or decorative items, figurines and everything else.

The purchased product is then melted, and its appearance is not so important - the presence of scratches or damage. Each pawnshop sets a price per gram - the cost depends more on the weight and quality of the material than on its appearance. Although, if the product looks quite presentable in appearance, it will be possible to sell it at a really high price, especially considering that in our country prices for high-quality, durable metal continue to rise rapidly. Don't forget to take your passport, as the transaction usually cannot be carried out without identification documents.

Pawnshops in Pinsk 2 pcs.

The network of pawnshops "Dengi Migom" in Pinsk offers instant financial assistance in difficult situations. If you are in trouble and need to borrow money in Pinsk, we are always ready to help. You can get money in Pinsk at a pawnshop in just a few minutes, and we work at very affordable interest rates. You can donate gold in Pinsk, as well as almost any equipment.

Our company is ready to offer cash in the amount of up to 15,000 basic units. It will take no more than 10 minutes to review your application, after which the money will be issued immediately.

The network of pawnshops in Belarus “Money Instantly” is always ready to help you. If ordinary pawnshops refuse to receive cash or it takes more than one day to process the application, in our pawnshop you are guaranteed to receive a positive answer and immediate financial assistance. An experienced specialist will explain in detail all the clauses of the contract.

WE ACCEPT:

1. jewelry : rings, chains, bracelets, earrings, etc. And other things made of gold.

2. Mobile phones (smartphones) Only smartphones running Android version no lower than version 5.1 from 2021 (Nokia, Samsung, Huawei, Htc, etc.) and iOS from model SE, 6 and higher (Apple iPhone) are accepted. Push-button or old touch phones will NOT BE ACCEPTED . If the box, documents and charger are included, the estimated cost will be higher. Be sure to have a battery with more than 30% charge. The latest models from Apple, Nokia, Huawei, Samsung, Sony, HTC, Xiaomi, Meizu have the highest estimated value.

3. Tablets Only tablets running on Android version 5.1 or higher from 2021 (Nokia, Samsung, Huawei, Htc, etc.), on iOS from 2014 (Apple iPad) and on Windows from version 10 are accepted. We accept tablets from any manufacturer, except cheap Chinese counterfeits. We pay special attention to Apple iPad, Samsung, Huawei tablets. If the box, documents and charger are included, the estimated cost will be higher. Be sure to have a battery with more than 30% charge. Your tablet can be assessed over the phone, via online chat, or by filling out an application on our website.

4. Digital cameras We accept digital cameras with ultrasonics and SLR digital cameras from 2014. The camera must have a lens and a charger (batteries). If the box and documents are present, the estimated cost will be higher than the “Soap Dish” WE DO NOT ACCEPT . By calling any of our offices, you can find out over the phone how much you can borrow against the security of your camera.

5. Televisions (liquid crystal) Televisions are accepted, regardless of brand, no older than 6 years. We especially appreciate TVs with SmartTV. The more modern the model, the better and the larger the microloan will be. The TV must have a power cord and remote control. If the box and documents are present, the estimated cost will be higher. We DO NOT ACCEPT plasma TVs. The TV must be in full working order. The remote control is working. Look at the back cover of the TV to see its model. Call our offices, tell us the model and find out the amount we can lend you.

6. Game consoles (latest generation only)

• Sony Playstation 4/Slim/Pro
• Microsoft XBox One/One S/One X
• Nintendo Switch

The kit must include a power cord, gamepad and HDMI cable. Even if you have the entire set, you may be denied a microloan due to the impossibility of checking the console in the office. Call, write and check.

7. Laptops Laptops are accepted in good condition from 2015. Externally must be clean. All keys on the keyboard must be present. The kit must include a battery with a charge level of at least 30% and a charger. If the box and documents are present, the estimated value will be higher. Unlike other pawn shops, we do not need to bring your laptop in order for us to evaluate it. Just call us, write to the chat on the website or fill out the form on the website. We can evaluate your laptop over the phone or online.

Our pawnshop does NOT accept:

1. Faulty things, broken, with cracks. 2. Household appliances (food processors, refrigerators, washing machines, etc.). 3. Clothing, shoes. 4. Hours (all). Including Swiss ones. 5. Video players, DVDs, video twos, video threes, old TVs. 6. Counterfeits and copies of phones. 7. Old technology. 8. Cars, motorcycles, mopeds, bicycles, boats, yachts, boats and all self-propelled equipment. 9. Any real estate. Pawn shops can only accept personal movable items. 10. Silver. 11. Jewelry. 12. System units. 13. Monitors.

What do you most often bring and when?

The influx of customers into the pawnshop occurs at 5-7 pm . Visitors most often bring gold items: rings, chains, crosses. And from technology: TVs, monitors, game consoles and work tools. However, there are also non-standard cases in the practice of modern commodity appraisers.

– One day a man came to my pawnshop and brought with him 4 alloy disks, I, of course, was in a slight shock. However, he accepted the discs and paid the money, the client was satisfied,” says Pavel.

Pavel Kulsha, pawnshop worker

The pawn shop also has historical items. Namely, two royal coins of 1899 with a face value of 10 rubles each, they are made of the purest gold of the highest standard.

– I evaluated these coins, each weight is approximately 8 grams. The price I offered for one copy was 500 rubles,” the interlocutor emphasized.

We ask Pavel about funny cases. With a smile, he begins to tell the story of how one day they brought him a multicooker for evaluation.

– To put it mildly, she looked bad... I even had the thought that the client decided to share his lunch with me. But I, in turn, did not show tact, refused to have lunch and also refused to evaluate the deposit,” the interlocutor adds with a hint of sarcasm.

Most often, wealthy people come to the pawnshop, there are also regulars who are given discounts, but unemployed people very rarely appear in this establishment.

When asked what items the pawnshop definitely won’t accept, the interlocutor answers in a serious voice:

- Illiquid! For example, an old Soviet radio station or a large tea set. In general, things that are difficult to sell on the secondary market.

Scrap gold and silver

Acceptance of scrap gold in Mogilev is a common phenomenon. There will always be a damaged ring, one earring or a broken chain. These decorations are unlikely to be used for their intended purpose. As a rule, they accumulate for years and over time, under unfavorable conditions, lose their value; for this reason, they are usually handed over for processing to precious metals collection points. Scrap silver is also accepted by buyers. Everything for recycling and manufacturing some radio components and decorations. The price of precious metal scrap largely depends on the level of development of the market for precious metals in your country.

Tested for myself. How to hand over gold to a pawnshop, and then return it?

January 24, 201727779
What is the easiest way to turn over to a pawnshop as collateral to receive urgent financial assistance? Of course it's gold! – we suggested, and began to search for establishments that interested us. As in the case of car pawnshops, the search engine gave us more than a dozen offers.

By the way, in total, as of January 23, 2017, the register of microfinance organizations included 116 microfinance organizations (pawnshops are one of them) throughout the country

Like many other people who decided to use the services of a pawnshop for the first time, we began to look for an establishment with the most favorable conditions - where our products could be valued for the maximum amount. We just didn’t know yet that the pawnshop doesn’t set the price of precious metals on its own. In fact, the price of gold, silver and platinum is determined by the Ministry of Finance and is absolutely identical throughout Belarus.

Screenshot from the website minfin.gov.by

And if you have pure metal or are the happy owner of dentures (or their elements), the cost of a gram of precious metal will be higher. The price of earrings, rings, bracelets and other jewelry pledged depends, first of all, on the sample and weight of the product. Moreover, without any restrictions or reduction in price, they will accept your torn bracelets and chains. But no one will take into account the weight and cost of stones; only the weight of the metal is considered.

Tested for myself. How and for how much to hand over a car to a pawnshop?

We had gold earrings and a ring in stock, both with stone inserts.

Jewels that were to be pawned. We labeled them with radioactive isotopes - gold after all

The first thing we realized was that our gold would be valued at the same amount everywhere.

And you should choose a jewelry pawnshop based on interest rates and the minimum loan term - for this you will need to call more than one “office”, preferably already knowing the weight of your items.

The second thing that every new client who decides to leave property as collateral will have to learn is that the pawnshop will give out in cash, most often, no more than 90% of the estimated value of your products.

And third , the larger the collateral amount, the lower the interest rate offered. Below are approximate terms of loans in various pawnshops in Minsk...

Among other things, be sure to find out under what conditions you can buy your property early. There are pawn shops where you will have to pay interest for 3-5-10 days , even if you buy the pledged property the very next day. We decided to test from our own experience how the procedure for obtaining a loan in a microfinance organization takes place, and we chose a pawnshop where the first-time client is offered a promotional rate - 0.3% per day!

Here we left our jewelry for storage at interest.

How long does it take to “part with” gold at a pawnshop?

- Hello. Please look, ” I handed the ring and earrings to the employee of the financial institution. — How much can you estimate this? The girl took the objects, weighed them, counted something... - For how many days? - they asked me. — What is your minimum term? — From 3 to 30 days. — And can I buy it out ahead of schedule? — I really didn’t want to part with the jewelry for a long time. - Well, yes. The amount in hand is simply different. — Is the amount larger if the term is longer? — I naively assumed. — No, the greater the number of days, the less the amount in hand. “Let’s do it for 5 days ,” I chose. The girl continued to make calculations. - If I come in 3 days, will I pay interest for 3 days? — You pay for 3 days in any case, even if you come today. This is the minimum in any case,” the girl was upset. — It turns out 115 rubles. “Let’s do it ,” I was satisfied with the amount. — Put down the document. And I handed over my passport, and the girl began to fill out the documents. — Is this your first time with us? - Yes. — You, as a client who applied for the first time, will have more favorable conditions - only 0.3% per day. I can leave 10 days just in case... Because if suddenly within 5 days you do not meet the deadline, from the 6th day you will have a penalty, they warned me. - You pay for a minimum of 3 days, the rest - in fact, you have 35 kopecks a day. If you come back in 10 days, pay 3.5 rubles for pawnshop services. You can re-pledge once, i.e. if for some reason you were unable to deposit the entire amount, you can pay only these 3.5 rubles, and your contract will be extended for another 10 days, 0.3% per day will remain, - said the pawnshop employee and continued to introduce me with conditions: - Then you must make a ransom. Or, if you suddenly can’t buy it back, at 0.6%. Those. our second visit will be at 0.6% per day, this is also a fairly low percentage for pawnshops. Well, next time, if this happens, you will become a regular customer, at a general percentage. - How much is this? – I asked a question. — From this amount it would be 1.1%. “Let’s do it for 10 days ,” I agreed to extend the possible period of using borrowed money at a favorable rate. They printed out and gave me 2 copies of the agreement and 3 forms of the pledge ticket to sign, 2 of which remained in the pawnshop, and one of which I had. The girl counted out the 115 rubles allotted to me, returned my passport, and I left. It took 13 minutes to do everything.

Pledge ticket, from which we learned that we had pledged 3.32 g of gold.
A pledge ticket is a document that the pawnshop issues to the pledgor and which certifies the fact of pledge of movable property to ensure the return of the microloan.

As already mentioned, the pawnshop hands out an amount less than the estimated amount. In our case - 90%.

"Credit" money

We went to return the money with interest on the 4th day, they told us the amount and gave us the pledged property. The pawn ticket was left at the pawnshop . For using other people's money, we paid 1.40 rubles (0.35 rubles * 4 days). Yes, it's not much. But this is in 4 days and at a rate of 108% per annum. No bank will offer you such a rate.

Calculator for consumer loans from banks

Drawing conclusions

We will not look for reasons why people pawn property, whatever it is, in pawn shops. But, since these same pawnshops are not getting smaller, there are still clients. The obvious advantage of a pawnshop over any bank lending to the population is the ability to get cash really quickly and without an income certificate. And the pawnshop “will not ask too much”: it will not inquire about your credit history, marital status, availability of bank loans and the purpose of receiving funds. The disadvantage of any pawnshop offer is the interest rate; we were never able to find less than 108% per annum

Dozens of reasons. Who and where will not be given an installment card?

By the way, just for fun, we inquired about gold prices from so-called private buyers, of whom there are many advertisements on the Internet. It turned out that if it comes to sales, they are ready to offer prices that are more favorable than pawnshops, RUE “Belskupdragmet” or jewelry stores, where you can not only hand over, but also exchange gold for new items.

Screenshot from the site slanet.by

So, if you urgently need a small amount of money before payday, and there is a ring on your finger, then a pawnshop seems to be the most suitable option for solving the problem. And it’s up to you to decide whether to go there or not. We have just told you how this is done.

Source: www.infobank.by