Recently, the price of gold has been at a high level, which has led some consumers to wonder: "How to buy gold jewelry to save money?" ”
On social platforms, some netizens shared their money-saving strategies for buying gold bars and gold jewelry at the bank, saying that they could "easily save thousands of yuan". There are also concerns that some gold processing shops will deliberately withhold gold during processing, causing certain losses.
Netizens share their experience of using gold bars to hit jewelry (Source: Network screenshot)
Investment bars in banks are more cost-effectiveOn a social platform, a netizen shared that he bought investment gold bars at the bank and asked a gold processing master to beat a bracelet, "After beating, I felt thousands cheaper." Some netizens even sorted out the trade-in policies and money-saving strategies of various brands.
So, is it cost-effective to buy gold bars and jewelry at the bank? On October 16, the reporter visited the online stores of various banks in Wuhan and browsed the official website and found that different banks have launched different types of physical gold products, including investment gold bars, gold nuggets, commemorative coins, wedding jewelry, etc., with different varieties and different prices.
At a joint-stock bank branch located on Xudong Street, Wuchang District, Wuhan City, the counter staff said that the bank's gold price on that day was 462.93 yuan, and each gram of gold bars had to be charged a processing fee of 10 yuan, and an appointment was required to buy. At the same time, it is reminded that this branch can only sell gold products, and if customers want to sell gold products to banks, they can only go to designated branches.
Another joint-stock bank APP shows that the bank sells a 10-gram Au9999 investment gold bar for 4,759 yuan, equivalent to 475.9 yuan per gram; another classic 10-gram investment gold bar sells for 4,754 yuan; and a 6-gram gold pendant sells for 3,362.4 yuan, equivalent to 560.4 yuan / gram.
According to the website of a state-owned bank, the unit price of a 50-gram investment gold bar is 476.5 yuan / gram; The unit price of 9 grams of gold ruyi is 514.07 yuan/gram; The unit price of 2 grams of golden beans is 514.07 yuan/gram.
Obviously, in terms of cast gold bars alone, the investment gold bars sold by banks are more cost-effective than most branded gold stores.
The charges displayed at the gold processing shop
The brand-name gold store trade-in policy is differentA branded gold jewellery counter displays both gold jewellery and investment jewellery products. All kinds of gold jewelry may be marked with grammage and labor costs, or prices may be indicated. If consumers want to buy gold jewelry and ornaments priced by grammage, they also need to charge a certain labor fee. The label of investment gold only indicates the grammage, and there is no additional fee. The counter salesperson made it clear that consumers can trade in old gold jewelry after deducting depreciation expenses, but gold bars and gold medallions cannot be exchanged for jewelry.
At another counter, the salesperson said: "As long as it is a full amount, you can exchange it." The electronic screen in the counter shows that the brand's gold price on the day was 599 yuan / gram, and the gold recycling price was 443 yuan, but if consumers traded old gold for new, they could be traded at a price of 516 yuan / gram. She briefly calculated an account to reporters: the price of a 20-gram investment gold bar in a bank that day was 4,765 yuan, and 20 grams was 9,530 yuan. According to the trade-in price on the day, the exchange price of 20 grams of gold is 10,320 yuan. The price of gold jewelry of the same weight is 11980 yuan (excluding labor costs). In other words, consumers need to make up the difference of 1660 yuan in exchange for gold jewelry of the same weight, and also have to pay a certain labor fee. "In this way, it is actually not much cheaper." The salesperson admitted that there are not many customers who use investment gold bars to exchange jewelry counters.
At a Saturday Fu counter, the gold price on the day is reduced by 80 yuan per gram, and the unit price after the discount is 479 yuan / gram. The counter salesperson said that customers can use the investment gold bars purchased at the bank to buy gold jewelry, "1 gram for 1 gram, no depreciation fee." But in fact, it is not cost-effective, it is better to buy jewelry directly. For example, she said, there is a processing fee for buying gold bars at a bank, and another processing fee for buying jewelry at a gold store. The price of gold at our counters is similar to the price of gold bars in banks, so why pay an extra fee? ”
The staff of Laomiao Gold said that whether it is investing in gold bars or gold jewelry, it can be "trade-in", but the exchange method of grammage gold jewelry and one-price gold is different. If you change the weight of gold, after changing 1 gram of weight for 1 gram, you can pay the corresponding labor costs and other expenses according to different styles; One-price gold jewelry will be directly deducted after converting the old materials according to the gold price sold on the day. According to the gold price of 535 yuan / gram on the day of the counter, the price of 20 grams of gold was 10,700 yuan, which was 1,170 yuan higher than the above bank investment gold bar price. In other words, if you exchange the investment gold bars purchased by the bank for gold jewelry without calculating the labor cost, you can save 1170 yuan.
Saving money still requires beware of "traps"The reporter visited and found that there are not many consumers who exchange gold jewelry at brand counters. For cost reasons, people prefer to process investment gold bars into gold jewelry in gold processing shops.
Ms. Hu of Wuchang District told reporters that not long ago, she used gold bars purchased from banks to punch a plain circle bracelet. On social networking sites, many netizens also shared the process of buying investment gold bars at the bank to fight the "three golds" of marriage.
At a gold processing counter in a shopping mall in Xudong, a master is busy processing old gold materials brought by customers into bracelets. The price list above shows the processing fees for jewelry such as rings, pendants, earrings, bracelets, etc. Among them, the highest gold processing fee is the bracelet, the price is 150-200 yuan / piece, and there will be a 2% loss.
Taking the gold bar of the above bank as an example, if you use 20 grams of gold bar to hit a gold bracelet, the gold cost plus processing cost is about 9730 yuan. In the brand counter, according to the gold price of 599 yuan / gram on the day, the price of a 20-gram bracelet is 11980 yuan, the difference between the two is 2250 yuan, plus the brand labor fee, the gap is even greater. Even if the loss in the processing process is removed, a bracelet in a gold processing shop can almost save a gold bracelet.
However, industry insiders also remind that this kind of money-saving strategy is only suitable for people who do not have too high requirements for the style and brand of finished jewelry. At the same time, different masters have different processing levels, and there may be a gap between the style and craftsmanship of jewelry and the brand jewelry sold in gold stores. It should also be noted that some unscrupulous merchants may set "traps" to deduct gold during the processing and exchange process. Therefore, consumers should choose carefully when processing gold.
During the interview, some bank staff also reminded that as a precious metal, gold bars have a high function of preserving and increasing value. Gold bar bracelets have limited profit margins and may not meet the expected returns of some investors. Therefore, when buying a bank gold bar bracelet, it is necessary to weigh the relationship between cost and benefit.