How to Pawn at Pawnshops, Complete with Terms

Pawning goods is an alternative option for some people when they need funds quickly. However, for those who have never been to a Pawnshop, they may not know how to pawn a Pegadaian. Nonetheless, the steps are very simple and the conditions are simple.

Before visiting the nearest pawnshop branch, make sure to bring your identity, such as a KTP for Indonesian citizens or a passport for foreign citizens, as well as the items that will be guaranteed. Computers, cars, smartphones, gold bars, jewelery and more can be guaranteed by pawnshops.

How to Pawn at Pawnshops

1. Visit the nearest pawnshop.

2. Prepare identification, including identity cards and collateral.

3. Fill in the application form with complete personal data according to the KTP.

4. Give the pawn item to the pawn appraiser

5. Next, the appraiser will tell you the largest loan amount that you can receive.

6. Proof of Pawning (SBG) will be given by the cashier.

7. Customers will receive cash or transfer to an account.

Pegadaian offers various types of pawn goods that can be adjusted to the collateral we have. Each type of mortgage can be paid in installments and paid off at any time, and the collateral period can be extended many times.

• Terms of Pawning Goods at Pawnshops

If you want to know how to pawn goods at a pawnshop, there are several conditions that must be met, according to the pawnshop's official website. 

The conditions are:

1. Photocopy of KTP or other official identification

2. Provide product guarantees

3. The vehicle must have the original BPKB and STNK.

4. The customer signs the SBK.

Requirements that must be met for electronic goods

There are only a few types of electronic items that you can pawn, namely:

1. Laptop or portable computer

2. Digital camera device

3. Gadget

Furthermore, the requirements for pawning electronic goods are:

1. Item comes with a box or box and charger.

2. It would be more useful to include a receipt indicating the date of purchase of the product.

3. The physical condition of the goods is at least 80%.

4. Customers can get a loan of between fifty percent and sixty percent of the price of the second item that is pledged as collateral.

This means that the loan you receive will only be Rp. 1 million to Rp. 2 million if the value of the goods is estimated at Rp. 2 million.

• Car Pawn Termsat Pawnshops

1. Motorized vehicles, such as cars or motorbikes, must be equipped with the original BPKB and STNK and, if possible, in a personal name.

2. The vehicle that is pawned must have a photocopy of the owner's KTP and the original purchase and sale receipt if it is not in his own name.

3. The motorcycle accepted must be a vehicle that has been used for the last five years and is in minimum 80% condition.

4. Accepted cars must be from the last 10 years and in minimum 80% condition.

5. You can get a loan for 60% to 70% of the price of a car or motorbike.

6. The term for car and motorcycle mortgages is four months.

7. You can extend the mortgage term twice, provided you still pay interest and installments.

Customers who want to mortgage are no longer confused. After reading this article, we already know how and the different types of pawn in a nutshell. Hope it is useful!