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Chapter 33 Pawn trading, time-honored brands play new tricks of wealth (2)
The higher the pawn money, the better. The charging standards of pawnshops are uniformly regulated by the state. A certain comprehensive handling fee needs to be paid every month. The more you borrow, the more you pay.The pawn fee is a comprehensive handling fee plus interest, which is also a considerable fee for borrowers—especially high-value borrowers.Therefore, don't confuse the two concepts of "being a thing" and "selling a thing".If you only need 10 yuan, even if you pledge something worth 30 yuan to the pawnshop, you don't have to borrow 30 yuan, otherwise you will have to pay more.

[-]. Redemption must be timely
The current period should not be too long.Redemption should be timely.Providing short-term loans is a feature of pawn shop financing. The longer the pawn renewal period, the more comprehensive handling fees will be paid.At present, most of the pawnshops in the country take the month as the unit, the shortest is 5 days, and the longest is 6 months.After the pawn expires, it can be renewed.

Knowing the characteristics of pawn transactions and mastering pawn tricks can improve transaction efficiency and greatly reduce the time cost, financing cost and transaction cost of pawn.

Quick financing method: car pawn
As one of the ways of short-term financing, "car pawning" has been flourishing all over the country, most of which are small and medium-sized owners and individuals.In the "Pawn Management Measures of the People's Republic of China" that came into effect on April 25, 4, vehicle pawning was clearly stipulated. The so-called "vehicle pawning" refers to the unlisted new cars or registered vehicles owned by motor vehicle owners. Pledge to the pawn company, the pawn company pays the pawn, seals up the pledged vehicle, and both parties agree that the pawner will settle the pawn principal and interest and redeem the vehicle within a certain period of time.

According to the relevant regulations, when handling the pawn business of motor vehicle pledge, the owner should first fill in the "Application Form for Motor Vehicle Mortgage Registration", and submit this application form to the vehicle pawn management office for record, go through the formalities of pledge registration, and then bring the motor vehicle registration certificate, Motor vehicle driving license during the annual inspection period, insurance policy and insurance card within the validity period, road maintenance fees within the validity period, original car purchase invoices, additional tax certificates for vehicle purchases, and ID card of the owner (customers who are not registered in this city need their own temporary residence permit, foreign Nationality customers need passports and residence permits), household registration books and vehicles to go to the pawn shop.If the vehicle is owned by the company, a resolution signed and sealed by all shareholders, business license, legal person code certificate and legal person ID card are also required.As long as the formalities are complete, the pawnbroker will evaluate the car according to the service life, condition, appearance, interior decoration, engine condition, etc. of the car, and then pay the pawn.Under normal circumstances, it takes two hours to complete a complete set of pawn procedures.The amount of the pawn depends mainly on the condition of the vehicle. Therefore, after preparing various certificates, it is best for the owner to understand the above conditions of his car so that the pawn can be completed quickly.At the same time, after you complete the pawning procedures, the pawnshop will ask you to check with the staff face to face, fill in the vehicle status list, and then seal it into the company's professional vehicle warehouse.The warehouses of regular pawnshops have been insured by insurance companies to ensure the safety of the pawnshops.In addition, the pawn company will start the vehicle once a week to ensure that the vehicle will not be damaged due to long-term suspension.But it must be explained that the implementation of the pawn act must be handled by the owner himself, and no one else can replace it.At the same time, in order to avoid risks due to pawning, it is required that the pawned car must be of safe, legal, and cashable origin.In addition, there is currently no clear limit on the car pawn period.It can be as short as a week or as long as 3 months.According to regulations, if the agreed pawn period is exceeded by 5 days, the pawnshop can regard the car as an absolute pawn. Before that, the pawnshop will notify the owner of the car by telephone or registered letter.

When pawning a car for financing, car owners are most concerned about how much the car is worth and who will confirm the pawn money of the car?How to confirm?Generally speaking, formal pawnshops provide evaluation and consulting services. The pawn payment is calculated according to the general market conditions in the second-hand car market, and it will be established after being approved by both parties.In addition, the pawnshop has a long-term value forecast for the pawn, that is, the pawnshop must ensure that after a period of time, the second-hand market value of the redemption of the pawn is greater than the pawn.The pawn money of the pawn company is usually issued according to 50%~70% of the second-hand market price of the vehicle at the time of pawning.For example, the second-hand price of a vehicle at the time of pawning is 20 yuan, and the current period requested by the owner is 1 month, or it may be extended to 3 months after renewal.Then the staff will take into account the price fluctuation factor when undertaking this car. If the price of the second-hand car after 3 months is predicted to be 16 yuan, then the pawn payment will not exceed 16 yuan at most. The car can be worth 12 to 15 yuan.At the same time, as an auxiliary and supplementary means of bank loans, pawnshops will first deduct a certain percentage of comprehensive fees when issuing pawn money. This fee is higher than that of banks, but there is a certain limit.

As a new financing method, compared with bank loans, auto pawn financing has very obvious advantages:
First, the procedures are simple and financing is convenient.When car owners pawn financing, they only need to bring all the relevant documents and drive the car to the pawn shop. After a simple verification by the classic pawn company, they can get the pawn money in one or two hours, no more than one day at most.In contrast, when going to a bank for a loan, the loan applicant must meet certain conditions and provide relevant credit certificates, and some also provide guarantees, and even if the lender does everything possible to find conditions that meet the requirements, he can apply for a bank loan , and the procedures are complicated.

Second, the loan term is flexible.The term of car pawn financing is determined by the pawn company according to the actual situation of the customer's loan. It is relatively flexible. It is usually divided into five current periods: 5 days, 10 days, 15 days, 20 days, and 30 days. Customers can choose the appropriate current period at will. , can be continued.

It is worth noting that if you really need to pawn vehicles, you should look for those who have been approved by the Provincial Department of Commerce, the Public Security Department, and the Provincial Administration for Industry and Commerce, and have the "Pawn Business License", "Special Industry License" and "Enterprise Legal Person Business License". License "Three certificates of regular pawnshops, so as to avoid disputes and ensure their legitimate interests.

Car pawning is simple and easy to operate. If you need a sum of money urgently and it is difficult to get it in a short time, if you have a car, then "car pawn financing" will be a good choice.

Common financing methods: real estate pawn

House pawning is also called house "pawn sale" or "live sale", that is, the house owner hands over all the houses to the pawnee for possession, use and income, and the pawnee pays all the pawn money to the pawner in one lump sum according to the agreement. And the behavior of returning the house to the pawn and getting back the pawn money when the pawn period expires.

The process of general real estate pawning includes verification, on-site inspection, evaluation and pricing, signing the "Real Estate Mortgage Pawn Contract" and related documents, handling notarization (the fee is generally 3‰ of the pawn, and if it is less than 5 yuan, it will be calculated as 5 yuan), handling real estate Mortgage registration, loan issuance, repayment of principal and interest, cancellation of registration and other links.

The pawner must take all the materials of the real estate, such as the real estate ownership certificate, the purchase contract, the purchase invoice, the land use certificate, the identity card of the property owner, the household registration book and marriage certificate, the identity card of the owner (co-owner) of the property, the Provide the divorce certificate and divorce agreement, the last month's property fee and other bills, and the second residence certificate.If the real estate is a public house, you also need to provide state-owned land use certificate, land transfer contract, corporate identity certificate, legal person power of attorney, trustee ID card, organization code, tax registration certificate, company articles of association and brief introduction, shareholder resolution and company business license Wait.

After the pawnbroker inspects the house on the spot and determines the pawn price through negotiation between the two parties, sign the real estate pawn loan contract and the real estate mortgage contract, and go through notarization. loan.If all goes well, all the above formalities can be completed within a few working days.

When handling real estate pawning, the pawner should pay attention to the property that has been mortgaged, sealed up, and will be demolished cannot be pawned; after the pawn loan expires, the pawner should go through the renewal or repayment procedures in time to avoid unnecessary losses; after repaying the loan, the pawnbroker should ask the pawnshop to cancel the mortgage registration in time, get back all the real estate information, and protect their own rights and interests.When pawning real estate financing, pawn money is generally established by the pawnshop after evaluating the real estate, evaluating it according to the real estate market price, and obtaining the approval of both parties.The amount of loan available for pawning real estate is generally issued according to the percentage of the current house price, depending on factors such as the geographical location of the real estate, the environment of the community, the market price, the orientation and layout of the real estate, and the degree of newness and oldness.

When pawning their own houses, owners need to pay attention to three aspects.

[-]. Be sure to redeem your real estate with full confidence
When a house pawn is established, the pawned house must be transferred to the pawn shop for possession, use and income.After the pawn relationship is established, if the original owner fails to redeem within the time limit according to the agreement or the law, it can be treated as an absolute pawn, and the pawnshop can obtain the ownership of the house.That is to say, when the house is pawned, both parties can agree that if the pawn period expires and fails to redeem it, it will be regarded as absolute. If the house has not been redeemed within 10 days, it is deemed to be absolute, after which the original owner of the house loses the property rights of the house.

[-]. Obtain the consent of family members and co-residents
The houses pawned by citizens must be property houses without ownership disputes, and they are uninhabited. Therefore, when making a pawn, the owner needs to issue a real estate certificate and ID card.Moreover, in addition to the property owner, the consent of family members or co-residents over the age of 18 is also required.

[-]. Minimize the loan ratio as needed

Because the fees charged by pawnshops are directly proportional to the loan amount, in order to save fees, the owner should minimize the loan ratio according to needs.

At present, with the changes in the special real estate financing services launched by pawn companies, pawning houses has become a new financing channel for many flexible citizens.

House pawn, as a brand-new financing model using the right to lease a house, revitalizes the stock assets of pawnbrokers and broadens the channels for property purchase and financial management.You should understand the relevant regulations in advance before proceeding with the house code to ensure that you can have the right of redemption to avoid disputes.

(End of this chapter)