What conditions should a registered pawn shop in Shenzhen meet?

Conditions to set up a pawn shop：

1. Because competition is fierce now，Low registered capital 20 million，It is recommended that the registered capital be 30 million or more (all capital contributions are in currency)
2. legal person shareholder

Require

：There should be at least two legal person shareholders，The company must be established for more than three years，Profit in the past two years，And holds more than 51% of the shares of the pawn shop，To achieve the purpose of controlling the pawn shop。

1. Proof of funds should be provided before submitting information，Transfer the registered funds to the government-designated account，It cannot be used until the pawn shop business license is obtained (the time is 4-6 months)，Determined according to the actual government approval time)；
2. The registered address area of ​​the pawn shop should be more than 80 square meters，For street shops，If it is a rented shop，The lease period should be more than three years，Complete rental procedures。Complete protective facilities are installed in the business premises；。
3. Legal person shareholder、Resumes and criminal certificates of shareholders and senior managers. Pawn shops and banks are both financing、lending institution，The purpose of business is to obtain loan interest，In comparison, there are the following differences：
4. Different business scope：In addition to lending business，Pawn shops also sell pawn items、Appraisal, evaluation and consulting services，Banks additionally operate deposit services、Exchange business、Agency business, etc.。
5. Business scale and organizational form are different：Banks are large state-owned and joint-stock enterprises，Registered capital、The scale of operation is quite large，Set up a large number of branches across the country。Pawn shops are companies with smaller capital，Limited scale，Single organizational form。
6. Loan procedures and procedures are different：Banks implement a system of separation of review and loan，The approval process is cumbersome，Takes a long time；And pawn shops lend money when they see something，High efficiency，fast，Convenient and flexible。
7. Different lending objects and characteristics：Banks mainly focus on large and medium-sized enterprises，Large amount、long term、Strict restrictions on the use of loans，Pawn shops are mainly small and medium-sized enterprises and individuals.，Small amount、Short term、Regardless of the purpose of the loan。
8. Different status effects：Banks occupy a dominant position in our country's national economy，It is the main part of the financial system，It plays the role of the main channel in regulating the supply and demand of social funds.；Pawn shops are a useful supplement to the financing channels of the entire society.，occupy a secondary position in economic life。 What is a pawn?

pawn，It refers to the owner’s movable property、Property rights are pledged as collateral or real estate is pledged to a pawnbroker，Deliver a certain percentage

cost

，Get deposit，and pay interest on the deposit within the agreed period、repay the deposit、the act of redeeming something pledged。 How to agree on the pawn period? The pawn period shall be agreed upon by both parties，minutes 5 days、15day、30day、60day、180Different deadlines。

During the pawn period and within 5 days after the expiration of the pawn period，Can be renewed by mutual agreement，The renewal period shall not exceed the original pawn period，The renewal period shall be calculated from the expiry date of the pawn period or the previous renewal period.。Continued at that time，The current account should settle the previous period's interest and the current period's

cost

。 pawned

cost

Which ones are there? pawned

cost

Divided into comprehensive

cost

and pawn interest，Pawn Comprehensive

cost

Including various services and management

cost

。

comprehensive

cost

Deducted when the deposit is released，Interest is repaid upon redemption or renewal。 The current period is less than 5 days，Charge based on 5 days

cost

。 What matters should be stated on the ticket?

1. The name of the pawn shop and its address；
2. Name of the person in charge (name)，Residence (address)，Valid ID (photo) and number；
3. Name of object、quantity、quality、situation；
4. Appraised amount、Amount of deposit；
5. interest rate、Comprehensive rate
6. Pawn date、Tento period、Renew current period；
7. Instructions for the pawnbroker (the rights and obligations of the pawnbroker and the pawnbroker should be stated) What kind of pawn business requires mortgage registration?

Mortgage registration is for real estate、When items such as motor vehicles with relatively large amounts and involving property rights registration are pawned，Mortgage registration procedures should be completed with the corresponding administrative department before lending.，The real estate mortgage registration and handling department is the Land, Resources and Real Estate Administration Bureau where the property is located.，The motor vehicle mortgage registration department is the local vehicle management office。when necessary，In addition to mortgage registration，Notarization procedures are required。 What is a pawn ticket?

A pawn ticket is a loan contract between the pawn shop and the pawnbroker，It is the main basis for determining the rights and obligations of both parties.。The pawn shop and the pawnbroker agree on matters other than pawn tickets，A written contract should be supplemented。 What is perfect? After the pawn period or renewal period has expired，The owner should be in 5 Redeem or renew within the day，Those who fail to redeem or renew their pledge after the due date，absolutely appropriate。Absolutely pawn items will be handled by the pawn shop in accordance with regulations.。

The pawnbroker redeems the pawn before the expiration of the pawn period or renewal period，In addition to the principal and interest required to be repaid，It should also be based on the interest rate for the current period、Fee standards and overdue days，Back payment of interest and related matters

cost

。

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