#精品长文创作季#
In recent years, the price of gold in China has risen quite a bit, and many investors have chosen to hoard gold in large quantities to make money.
But some people are surprised to find that the gold bars they bought for 1 million yuan a few years ago are now worth at least 1.5 million yuan.
But when I went to the bank to exchange it, the bank was not willing to accept the gold at all.
The gold shop was willing to accept it, but the price was very low. The gold shop is only willing to collect the gold bars at a total price of 900,000 yuan.
What's going on here?
First, the quality of gold bars is different
At present, the overall gold price announced by the international community is often determined according to the relatively high quality of gold.
The gold that can be obtained in the hands of ordinary people is not necessarily high-quality gold, and there are many types of gold itself.
Only those gold trading brands operated by the state, or some well-known private gold companies, can sell gold with sufficient quality assurance.
These golds tend to be of higher purity, and this kind of gold is investment gold in the traditional sense, and their purity is above 99.9%.
However, when many people buy gold, they simply do not know the difference between investing in gold and non-investing gold.
These people would buy some gold ornaments, or gold bars sold by some less well-known companies, and the price of these gold bars was sold at the price of investment gold at the time.
But in fact, the purity of these gold products is not high, and these gold products are often called commemorative gold products, and the purity is below 99%.
When calculating weight, it is not a whole number.
This kind of gold of low purity, when sold, its price is not in line with the international gold price.
The price of this non-investment gold often fluctuates greatly, and there are many factors that affect its price, such as whether it is monumental, whether it has artistic value, and so on.
In this way, everyone should also understand why the Chinese man who bought 1 million gold a few years ago depreciated his gold when he sold it.
It is very likely that when you bought gold, you have been deceived.
They bought back a variety of commemorative gold products at the price of their investment gold.
The purity of the gold itself is not high, and when it is sold, whether it is a bank or a gold store, those professionals can tell at a glance what kind of color the gold is.
Naturally, it is not possible to buy this gold at a standard investment price.
This tells consumers that they must keep their eyes open when buying gold.
Gold is a very expensive heavy metal, and buying one gram of gold may cost some people several days' wages, and if you are deceived, the losses are often very large.
If you want to buy gold, it is better to buy it in a store that is operated normally, so that at least the quality is guaranteed.
And when you buy, don't buy those investment products, and directly buy gold bars with investment properties, which are really gold products that can be kept at home and waiting for appreciation.
Second, we should also find good channels for reselling gold
For those who have gold in their hands and have recently had financial problems, and want to cash in gold, they are also particular about where to sell gold and how to sell it.
At present, there are three types of gold monetization channels in the market, one is a bank, one is a gold store, and the other is a pawn shop distributed in various places.
But the money you can get by selling gold in these three places is also different.
Go to the bank and sell gold, and the bank will help investors cash in at the basic level of the current gold price.
Therefore, going to the bank to cash out gold is the best way to ensure the interests of consumers, but not everyone can go to the bank to cash out.
Banks have a rule that each bank will only accept the gold sold by its own bank.
For example, the gold made by the Industrial and Commercial Bank of China is difficult to exchange when you go to the Bank of Communications.
Therefore, if we buy gold issued by a certain bank, when we go to the bank to exchange, we must find the local gold issuing bank to exchange.
If the gold you buy is not issued by various banks, then you have no way to go to the bank to cash it out, so you can only go to the gold store.
However, the realization of gold stores will basically not be cashed out according to the standard gold price, because gold stores also need to make money.
Most gold shops tend to deduct around 10% of the discount when they recycle gold.
In other words, if the current market price of gold is 500 yuan a gram, then if you go to a gold store to sell gold, the money that the gold store can give is estimated to be about 450 yuan a gram.
It is difficult for gold stores to resell the gold directly after buying it back.
They had to re-turn the gold into bars, or break it into other gold ornaments and sell it, which was wastage.
Many gold shops recycle gold, and the discount rate is not necessarily just 10%.
Each gold store will set its own special discount rate, some gold stores with higher prices will have a lower rebate rate, but there are also some gold stores whose rebate rate may exceed 20% or even 30%.
When reselling the gold in your hands, you also have to pick a good store for recycling, ask a few more to see which gold store gives a higher price, and then sell it.
This is also the best way to ensure the interests of consumers.
The last way to monetize gold is to go to a pawnshop to pawn, but generally speaking, pawnshops are more ruthless in lowering prices.
Anyone who has ever been to a pawnshop knows that a pawnshop will provide both dead and live pawns.
Death is to directly transfer the ownership of the goods to be pawned to the pawnbroker, and the goods will have nothing to do with the pawnbroker in the future.
Although there will be a discount for going to a pawn shop to dispose of gold like this, it is basically the same price as recycling it from a gold shop.
But if you go to a pawn shop to work, then the price will be a little lower.
The meaning of the pawn is to sign an agreement with the pawn shop and use the items in your hand to mortgage a sum of money from the pawn shop.
Within the specified time limit, as long as the money is returned to the pawn shop with interest, the goods you pawn can be redeemed.
In a way, this is a kind of pledge loan similar to that of a bank.
However, the interest rate of the pledge loan given by the pawnshop is often slightly higher, and the amount of money loaned out is not too large.
If you are not in dire need of money and cannot borrow money from the bank, you will not choose to do so.
How to deal with the gold in your hands is also well-written and exquisite.
If you really have a large amount of gold in your hands and need to sell it for cash, you must pay more attention to the ways and means.
3. Gold is indeed a good investment
There is a special reason why more and more money is pouring into the gold market today.
Originally, when Chinese people had money in their hands, they liked to make all kinds of business investments or financial investments.
At that time, the economic situation was relatively good, so financial investment was often able to make money, but now the situation is different.
The mainland is in a critical period of economic transition, and a large number of Chinese people are waiting and seeing, unwilling to continue to invest money in the financial and physical markets.
So there is an influx of money into the gold market, pushing up the price of gold.
But this is most likely not a normal thing, because there is always a limit to the rise in gold prices.
For those who only have limited funds in their hands, it is not recommended to use all the mobile funds in their hands to buy gold.
Don't expect to make money by buying gold in large quantities, only a very small number of people can make a lot of money from the movements of the gold market.
They often have some core information in their hands, and they can make money by poor information.
When the price of gold is low, they buy the bottom, and when the growth rate of gold price slows down, or even declines, they resell the gold in their hands, relying on poor information.
This kind of critical information is difficult for most ordinary people to obtain, so you must be cautious when investing.
For now, the price of gold does have some room to rise.
Gold is not only rising on the mainland, but also in many countries.
The reasons for the rise in international gold prices are more complicated, which is directly related to the international economic situation.
In the history of mankind, the gold standard system has been popular for a long time, and to put it bluntly, the world's major powers have used gold as their reserve funds.
Later, the gold standard system collapsed, the dollar became an international currency, and the world's major powers began to use the dollar as their foreign exchange reserves.
However, as the economic situation in the United States deteriorated, the United States raised interest rates frantically, resulting in the return of global dollars.
The amount of dollars circulating in the U.S. market has decreased, and the world's major powers have begun to internationalize their currencies.
But until now, no country or organization has been able to replace the dollar.
Countries have the objective need to prepare margins, and after a long time, some people have begun to focus on gold.
What we can see is that many governments are also buying gold in large quantities, and this does not mean that there is a gold standard.
I just want to add more gold assets to the structure of the country's fixed property.
This is inevitable of changes in the economic situation, but as the world economy begins to recover and a new international trade monetary system begins to be completed, the importance of gold will also decline.
The current price increase in gold is likely to be short-term, and it cannot be sustainable for a long time unless the gold standard system is repeated.
Those who are ready to invest in gold still have to think clearly about this.
If you have a lot of spare money and don't know what to invest in, buying gold is a decent choice.
There is a high probability that you will be able to make a little money, even if you lose, you will not lose too much.
When buying gold, you should still pay more attention.
If you want to buy investment gold products sold by regular gold stores or banks, do not buy commemorative gold products, or buy all kinds of gold jewelry, these gold products, there is a high probability that you can only lose money.
Resources:
The gold bars bought for 1 million rose to 1.5 million, the bank was unwilling to accept it, and the gold store only sold 900,000, why--today's financial affairs
The gold bar of 1 million rose to 1.5 million, but the bank refused to recycle it, and the gold store only gave 900,000, what happened--Chunshan Finance