LOMBARD

Many people think that a pawnshop is something like a commission store. However, this is not true; such organizations have different purposes. For example, the latter can and should sell goods received from the client. The former provide a loan and storage of goods.

There are different pawnshops, and their scope of activity differs. Some of the organizations accept cars, others accept antiques. However, jewelry pawnshops are more popular. They accept precious metals. But not all such organizations operate legally. To find where to pledge a thing legally, it is necessary to study the features of such organizations.

Pawnshop near you: buying gold, silver, coins, jewelry

A pawnshop is a legal entity, an organization whose main activity is to provide a loan against goods received. And the items are not to be sold, cannot be used until the redemption period is over.

There are many pawnshops in each city, which allows you to choose the most favorable conditions. The cost of precious metal per gram also differs.

If you need to surrender your gold, you need to choose a buying organization with the specifics in mind. You can distinguish an official organization from a clandestine one by a number of traits:

the word "pawnshop" is present in the name, which is possible if the company operates according to the legislation of the Russian Federation;
There is a clear schedule of work, you should not trust the offices that provide loans without time restrictions (around the clock), and it is the disbursement of funds at night, but not the work of the organization;
the company does not offer other services than those stipulated in the current legislation;
client's belongings are securely stored, even the employees do not have access to them;
Reports are submitted to the regulatory authorities;
Property (including that which clients plan to pledge) must be insured, and at the expense of the organization.

If you have to surrender jewelry from time to time, you need to choose a company that specializes in products of a certain type. First of all, it is necessary to clarify what kind of goods are accepted in a pawn shop:

Jewelry made of precious metals: used rings, earrings, bracelets, chains, etc.;
cutlery, any quantity, but whole sets are more expensive;
household items used in the kitchen (sugar bowl, samovar, etc.);
elements of device design, electronic engineering;
coins;

Many pawnshops also accept other products if they find them worthy of attention (products have value).

Sell expensive, buy cheap

A pawnshop has nothing to do with a charitable organization, and therefore the objectives of such a company sets other things - making a profit, providing a loan on favorable conditions for themselves. This means that the employees will strive to buy goods from the client at the lowest price. Then the company will earn extra money on the difference, which it will manage to gain from its sale.

At the initial stage of their existence, such organizations receive money from the founder. Then you have to look for alternative sources of funds, for example, to take out a loan.

It is forbidden by law to invest in a pawnshop (to become a depositor, not a client). It must be remembered that no one is insured against losses. This means that in the event of a contingency, the state will not cover losses. In addition, there are other sources of income for pawnshops:

The interest that accrues if the client fails to pay the pawnbroker's account for the ring or other item on time;
the amount received from the sale of used gold or other materials, jewels;
remuneration received for services rendered (storage of things).

Buying gold jewelry and other precious metals

The principle of the organization-buying of used items or new products is based on mutually beneficial cooperation. Thus, the client receives the cash he needs, and the pawnshop receives insurance (precious metal or other items).

This is the main difference between companies engaged in buying up scrap, whole products, and a microcredit organization. When an item is not returned to the owner, it is urgently sold. This makes it possible to ensure that the cycle "goods-loan-money-goods" is always fulfilled.

Types of jewelry that can be surrendered to a silver and gold scoop can be different. It is necessary to clarify with each of the organizations, which goods are acceptable to bring for evaluation. Some of the pawnshops accept old items (USSR rings, used earrings) and at the same time - new jewelry (with diamonds, other stones). Types of materials, items:

Gold: rings, earrings, assortment 583 (valued at a lower price);
silver: tableware, as well as jewelry and household items;
platinum;
jewelry with a precious coating (GoldFilled);
electronics containing precious metals.

The price of platinum at the pawnshop is different from the price of store-bought jewelry. Depends on the composition of the metal and the condition of the jewelry. Jewelry made of alloy 583, such as a chain, is a cheap item. Costume jewelry is also inexpensive. And you should not count on a fair appraisal. Pawn shops are eager to buy even valuable items at a low price, this is facilitated by the client's need for cash.

Round-the-clock pawnshops in cities: addresses, phones

In order not to search blindly, you can study the conditions of organizations on the website (many have Internet pages). But it is possible to get a loan only after visiting the office. Among the functions of pawnshops today is a preliminary assessment with the help of a conventional calculator on the website. Many organizations have online stores, where they sell things that have not had time to redeem the former owners. The catalog of goods is studied, by phone number you can make an order. And it is important to study the reviews of pawnshops, which will avoid fraudulent schemes.

You should look for them in your own city: