How many categories of things can be pawned in a pawn shop?
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1. Jewelry: including gold, platinum, diamonds, watches, jewelry and jade, etc. This business is simple, you can go with things and ID cards, on-site assessment and valuation, and it is advisable to wait.
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Second, real estate: including real estate, land, etc. To mortgage a property to a pawn shop is similar to a bank's business property mortgage loan.
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Third, motor vehicles: mainly cars. Those who have escorted cars and those who do not escort cars need to go through the formalities of registration and filing of motor vehicle mortgages.
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4. Property rights: including equity, bills of exchange, checks, promissory notes, bonds, certificates of deposit, warehouse receipts, goods receipts, etc.
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Fifth, bulk materials, machinery and equipment, etc.
Compared with banks, pawn shops will have higher loan interest rates, but they are more flexible, the amount is not limited, the processing cycle is short, and the repayment is flexible. Different pawn shops have different business areas, some do not do civilian goods, some do not do bulk materials and so on.
When you go to the pawn shop to do something, the first thing you have to determine is whether you choose to live or die, if it is a live pawn, first of all, you have to prepare various documents for what you want to do, as well as your ID card, and the rest you have to negotiate with the pawn shop about the date of repayment, interest rate, etc. (most pawn shops have contract templates to see clearly).
If it is the joint property of the husband and wife, it is necessary for both husband and wife to jointly handle the pawn matters (both parties are present, the ID card is required) It is absolutely simple to die, and the amount of money given is relatively large, but most of the things will not come back, and the work can still be returned, provided that you have to repay a certain amount of interest every month, and return the principal before the repayment date, and then apply for some proof of the release of the mortgage.
In order to standardize the pawn behavior, strengthen supervision and management, and promote the development of the pawn industry, the "Measures for the Management of Pawn Shops" were formulated in accordance with relevant laws and regulations. These Measures shall apply to the establishment of pawn shops within the territory of the People's Republic of China and the engagement of pawn shops. "Pawn" as used in these Measures refers to the act of a pawn owner pledging his movable property or property rights as pawn or mortgaged his real estate as pawn to a pawn shop, paying a certain percentage of expenses, obtaining pawn money, and paying interest on pawn, repaying pawn, and redeeming pawn within the agreed period of time.
"Pawn shop" as used in these Measures refers to an enterprise legal person established in accordance with these Measures who specializes in pawn activities, and its organizational form and organizational structure are subject to the relevant provisions of the Company Law of the People's Republic of China.
Suining Hengxi Pawnshop Co., Ltd