According to the state registry of pawnshops of the Central Bank of the Russian Federation, officially registered in Russia 3.18 thousands of pawn shops, but three to four times more. According to analysts, this is due to the fact that many pawn shops have several points. In other words, legally registered one organization, and pawn shops with tens or hundreds across the country. Thus, the total number of pawn outlets in Russia now is about 7.2 thousand, experts say. If you add them to organizations providing services quadromania, the total number will increase to 9-10 thousand.
most organizations specializing in the issue of short-term loans on security of movable property, concentrated in the Central Federal district – 25% of the total number of companies. On the second place in the Siberian Federal district which was 23% of the Lombards.
the largest and Most developed market of pawnshops in Russia is Moscow. As of September 30, 2019 in the capital there were 463 Lombard, in the Moscow region – 218. According to the League of pawn shops, annual services of these organizations are about two million Muscovites. In the whole country the services of pawnshops uses only a tenth of the population how to take things in pawn shops are not very profitable. The service usually resort in a very financial bind.
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In the year residents of the capital renting jewelry, family heirlooms and household appliances in the amount of 35 billion rubles. In the third quarter of 2019, the amount of loans issued by pawnshops in Moscow and the Moscow region amounted to 9.4 billion rubles.
In second place in the number of registered pawnshops are Krasnodar and Krasnoyarskthe third region (315 organizations, 6.2% of the total pawn of the Russian Federation). In the third place, the Krasnoyarsk and Krasnoyarsk Krai (271 company, 5.2% of the total). In fourth place – St. Petersburg and the Leningrad region (173 Lombard, 3.6% of the total). In fifth position are the Omsk and the Omsk region (172 organization).
the Cost of services in the Lombard depends on the region in which it is located, and the average wage population. It consists of expenses for office rent, expenses for its maintenance and payment of salaries to employees, expenses for advertising campaign, etc.
Despite the fact that the interest rate on loans is regulated by the Bank of Russia, in fact the subjects of the Russian Federation, located in the North and East of the country, it is maximum in the South are much lower.
Most of the Russians lay jewelry, fur products, home appliances and electronics, cars. Also, the citizens pass the bail watches, Antiques, art, cars.
Jewelry takes 90% of the Lombards. About the same number of organizations work with electrical appliances and electronics. Furs ready to take a pledge of 23% of the organizations. Most often in Lombard bring furs from mink. The same number of companies – 23% – give money on the security of the car. The pawnshop is, in addition to cars, you can lay the motorcycles, tractors, trucks, heavy equipment, bikes.
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Watch take 19% of the Lombards. Particularly prized luxury brand.
the Main risk in the activities of the pawnshop is associated with navicopa by the borrower of the collateral. To minimize possible losses associated with the property assessed at a significant discount, to be able to quickly sell the product and get the money back into circulation.
So, even a new coat estimated at up to 40-60% of the purchase cost. If collateral is a car, then the payoff for him is no more than 70% of the initial price.
the Estimated value of gold – from 500 to 2,5 thousand rubles per gram. For a regular engagement ring in a pawn shop will give from 150 rubles up to 5 thousand. One gram of silver is estimated to be worth no more than 25-30 rubles.
For branded watches can get up to 60% of their initial price. For appliances will offer up to 80% of the market value of the device. The collateral value of your phone, tablet, camera is on average 60-80% of the market price.
the Average loan in pawnshops is 6 thousand rubles. The average base rate equal to 0.4% on the day.