5 Types Of Goods That Can Be Investigated In Pegadaian, Number 2 Most Often As A Guarantee

Illustration of the type of goods that can be pawned at Pegadaian. (Photo: Doc. Antara)

YOGYAKARYA Pawning goods at Pegadaian is a solution for people who need fast funds, either for businesses or for urgent needs. However, not all goods can be used as collateral for money loans. So, what types of goods can be pawned at Pegadaian?

For information, the pawn is to borrow money within a certain time limit by handing over goods as dependents. If it is time for the item not to be redeemed, it will be the right of the lender, quoted from the Big Indonesian Dictionary (KBBI).

Meanwhile, Pegadaian is a type of non-bank financial industry that provides loans with the main requirements of handing over goods to be pawned.

The type of item that can be pawned at Pegadaian is goods that have economic value and do not violate statutory provisions.

Summarized from various sources, here are some types of goods that can be pawned at Pegadaian:

1. Land or home certificate

A house or land certificate is proof of someone's ownership of land or land. Land/house certificates can be used as collateral when borrowing money at Pegadaian.

The loan obtained after pawning the land certificate, the amount is determined from the value of the Land and Building Tax (PBB) and how strategic the position of the land is.

Usually, pawning land or house certificates is done to get large amounts of loans.

2. Gold

Gold is a type of item that is often used as collateral for pawnshops. Gold pawned can be in the form of gold bars or jewelry such as necklaces, bracelets, and rings.

In addition, jewelry in the form of diamonds can also be used as pawn collateral.

At PT Pegadaian, gold can also be used as collateral to get a loan or credit.

3. Motorized vehicles

Motorized vehicles, both cars and motorbikes, can be used as collateral for pawnshops.

Customers can pawn their vehicles by including vehicle documents such as:

4. Electronics

Electronic items that have economic value such as television, cell phones, refrigerators, laptops, computers, and cameras can be pawned at Pegadaian.

The value of the gadaai from electronic goods depends on the condition of the goods. The more'mulus' the condition of the goods, the higher the value of the pawn, and vice versa.

5. Valuable letters

Securities or securities in the form of stocks and bonds were also budgeted to Pegadaian to get a loan.