Understand the cost before deciding
Gold purchase-finance and re-pawning costs
Service provider: บริษัท ทุนทองมาวิน จำกัด · Company registration 0105555137558
Gold purchase financing uses the standard pawn rates on the pawn principal. The initial price difference is part of the gold purchase price, not a fee. Collect gold after full payment. Bringing an item back to pawn later requires a fresh appraisal; the amount is not guaranteed to equal the purchase price.
- Minimum repayment term
- 5 months per ticket term
- Maximum repayment term
- 5 months per ticket term
- Maximum annualised interest rate
- 24% per year
Annualised rate = 2% × 12 months, without compounding. This compares monthly interest rates; it is not a cash-flow APR. Partial-month charging is explained below.
Monthly interest rates
- First THB 2,000
- 2%
- Only the portion above THB 2,000
- 1.25%
- All other fees
- 0 THB
No appraisal fee, service charge, penalty or other fee besides interest.
Gold purchase example · completed in 5 months
Assumes a THB 20,000 gold price and THB 10,000 pawn amount solely to explain the calculation—not an actual stock price or appraisal offer.
- Assumed purchase price
- 20,000 THB
- Initial price-difference payment
- 10,000 THB
- Pawn-financed principal
- 10,000 THB
- Monthly interest
- 140 THB
- Interest over 5 months
- 700 THB
- Total fees
- 0 THB
- Total interest and fee cost
- 700 THB
- Pawn principal and interest to repay
- 10,700 THB
- Total paid to collect the gold
- 20,700 THB
Assumes unchanged principal for five full months, repaid at maturity, without renewal or principal reductions. It does not guarantee an approved amount. Other periods, principal changes or renewals change the cost.
Tickets have a five-month term. You may pay interest to renew on an ongoing basis, or make principal reductions. Paying interest alone does not reduce principal, and another term incurs further interest. Check the amount and dates on each ticket issued by the branch.
You may voluntarily pay interest or redeem before maturity. The five-month term does not prohibit early redemption. Count the pawn date, not the redemption date. Same-day pawning and redemption counts as one day with half-month interest. A partial month of up to 15 days is charged as half a month; more than 15 days is charged as one month, not a daily pro-rata rate.
This example uses standard rates with no interim principal reduction. Reductions or earlier completion change interest according to time and the remaining principal. If a reduced-rate promotion is offered, check its published rate, period and eligibility before agreeing. No promotion is applied in this example.
Pawning uses your item as collateral. Failure to meet payment and other conditions can result in loss of the item. Check the amounts and dates on your ticket, and contact the branch before maturity. Calculation details →