"In the traditional concept, the pawnshop is a place to help the poor and survive. Most people don't want to go in unless they have to. With the rapid development of the economy, most of the mortgaged goods coming to pawn shops are businessmen, and they are in urgent need of capital turnover. "
When you go to a pawnshop, most pawnshops are afraid of losing money and will give a discount to the market price. In this way, in case the pawnbroker doesn't come to redeem in the current period, even if the current price fluctuates, the pawnshop can still bear certain downward pressure on the price.
"The price of the pawned goods is agreed by both parties, and no one feels that there is a loss, so this agreement can be fixed." In order to reduce the amount of money as much as possible, some pawn shops will shorten the current period. Anyway, they can continue to pawn if they can't get the money then, and some pawn shops may not withdraw money according to the actual price of collateral. "Generally speaking, take as much as you need. On the one hand, the interest is less, and on the other hand, it can be easier to pay back. "
Therefore, in pawn shops, a good car worth hundreds of thousands is often only 65438+ 1 10,000 yuan or even lower. "Some people who make houses will pay back some of them if they have money, and continue to do more if they have no money." As long as the pawnbroker's money does not exceed their valuation, they can do so.
Pawnshops have their own rate standards, and the general monthly comprehensive rate of movable property is about 2% to 4%. Although pawnshops say that the interest rate is higher than that of banks, they can always solve the urgent needs in a short time, whether for individuals or enterprises.
At present, pawns are mostly concentrated in real estate, cars, gold jewelry and other large items, and there are not many ordinary citizens. This makes the pawn industry quite mysterious in the eyes of many people, and they don't know much, even staying in the old image of helping the poor.
This kind of pawn, which is between private and bank financing, is an industry that will never be out of date. For the unit, when the economy is depressed, it can be busy raising money to tide over the difficulties; When the economy is prosperous, we can raise funds to expand production. When individuals are short of money, they usually think of borrowing money from friends. However, if it is really difficult for some people to talk, they will have to bear a debt of gratitude even if they borrow money, but they will not go to the pawnshop. Not only can they borrow money, but their valuables will also be carefully kept in pawn shops, killing two birds with one stone.
Temporary pawning can solve people's difficulties.
"It is not unusual to hold a house and a car for tens of thousands of dollars. You have few dollars in your pocket. When you don't have food or shelter, you have to pawn your beloved things for hundreds of thousands of dollars. These people have more or less helpless stories behind them.