High Gold Prices = Larger Loan Amount

Following the rise of gold prices over the past few weeks, Pajak Gadai Wangi can provide you with a larger loan amount with gold as collateral.

In view of the current high price of gold, this is the best time to get a cash loan with your gold as collateral. Visit us today! 

Berikutan harga emas yang meningkat sejak beberapa minggu kebelakangan ini, Pajak Gadai Wangi boleh memberikan anda amaun pinjaman yang lebih besar dengan emas sebagai cagaran.

Memandangkan harga emas kini tinggi, inilah masa terbaik untuk mendapatkan pinjaman wang tunai dengan emas sebagai cagaran. Kunjungilah Pajak Gadai Wangi hari ini!

30 Day Spot Gold Price
Source: Kitco.com

Retail Price of Gold Jewellery 13/09/2012

Harga Runcit Barang Kemas Emas 13/09/2012

 

Gold	Price (RM)/g
999	205
916	195
835	165

Commitment to Continuous Improvement

Pajak Gadai Wangi is fully committed to providing excellent service to all our customers. Your comments and suggestions are important to us and will help us understand how we can serve you better. You can telephone, write or see us to discuss your concerns.

Pajak Gadai Wangi komited sepenuhnya untuk menyediakan perkhidmatan yang terbaik kepada pelanggan. Kami mengalu-alukan komen dan cadangan anda untuk membantu meningkatkan mutu perkhidmatan kami. Hubungi kami hari ini.

旺裕當铺致力于为客户提供最好的服务。为不断的提高我们的服务质量, 旺裕當铺非常欢迎各位提出意见和改进的建议。

Tel: 082 –348229     Fax: 082–331022

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Perbezaan antara Skim Ar-Rahnu dengan Pajak Gadai Wangi

View the English version of this article

	Ar-Rahnu	Pajak Gadai Wangi
Konsep	Pajak gadai Islam berdasarkan prinsip Syariah.	Pajak gadai konvensional.
Kos Pinjaman	Yuran bulanan dicaj mengikut harga emas yang dipajakgadaikan (nilai marhun).	Faedah 2% sebulan ke atas jumlah pinjaman.
Tempoh Pembayaran	Tempoh pertama selama 6 bulan boleh dilanjutkan untuk 3 bulan dan akhirnya untuk 2 bulan lagi.	Tempoh pinjaman selama 6 bulan boleh dilanjutkan untuk 6 bulan lagi dan seterusnya tanpa had.
Jenis Cagaran	Emas 18K - 24K (750 – 999) sahaja. Bank tidak menerima emas suasa dan jongkong emas (gold bar).	Pajak Gadai Wangi menerima hampir semua jenis emas kuning, emas putih, jam tangan emas, jongkong emas, syiling/dinar emas, berlian serta barang kemas emas yang berongga dan berbatu. Emas terpakai yang rosak, putus, lusuh, serpih atau remuk juga diterima.
Proses	Pelanggan perlu mengisi borang dan memberikan maklumat seperti nama majikan, alamat tempat kerja, pekerjaan, pendapatan kasar dan butir-butir peribadi yang lain kepada bank. Pelanggan juga mesti membuka akaun simpanan dengan bank.	Kebanyakan urusan di Pajak Gadai Wangi hanya mengambil masa beberapa minit. Tiada borang untuk diisi.
Pemeriksaan Kredit dan Status Bankrap	Pelanggan yang berstatus bankrap tidak layak untuk memohon pinjaman skim Ar-Rahnu. Maklumat peminjam dimasukkan ke dalam Central Credit Reference Information System (CCRIS). Maklumat kredit peminjam akan terjejas sekiranya gagal menjelaskan pinjaman.	Tiada pemeriksaan Kredit. Maklumat peminjam tidak dimasukkan ke dalam CCRIS dan maklumat kredit peminjam tidak akan terjejas. Pelanggan yang berstatus bankrap boleh mendapatkan pinjaman wang.
Had Pinjaman	Minimum RM100.	Boleh memberi pinjaman wang kurang daripada RM100.
Waktu Buka	Bank Rakyat and Agro Bank ditutup pada hujung minggu dan cuti umum.	Pajak Gadai Wangi dibuka 6 hari seminggu.

Kelebihan Pajak Gadai Wangi:

1. Pajak Gadai Wangi mengamalkan standard etika perniagaan yang tinggi serta mematuhi peraturan-peraturan di bawah Akta Pemegang Pajak Gadai 1972.
2. Urusniaga yang telus: Butir-butir barang sandaran, jumlah pinjaman, tempoh pinjaman dan syarat-syarat pinjaman dicatatkan dengan lengkap di atas tiket pajakgadai pelanggan.
3. Pajak Gadai Wangi tidak mengenakan caj penalti lewat atau wang pendahuluan.
4. Faedah 2% sebulan dikenakan ke atas jumlah pinjaman dan bukannya nilai emas yang dicagarkan. Dengan itu, pelanggan boleh memilih untuk meminjam amaun yang besar ataupun kecil mengikut keperluan masing-masing.
5. Barang kemas pelanggan disimpan dengan selamat dan nilai gadaian barang sandaran tidak akan merosot.
6. Pajak Gadai Wangi memberi nilai gadaian yang tinggi dan mengenakan kadar faedah yang kompetitif.
7. Pajak Gadai Wangi menghubungi pelanggan apabila tempoh pinjaman mereka hampir tamat supaya pelanggan diingatkan untuk menebus atau melanjutkan pinjaman mereka.
8. Notis dihantar kepada pelanggan tentang upacara lelongan sekiranya tempoh membayar balik mereka telah habis. Upacara lelongan dipantau oleh Kementerian Perumahan dan Kerajaan Tempatan dan dikendalikan oleh pelelong yang berlesen. Wang lebihan akan dipulangkan kepada pelanggan.

Sila baca artikel "Faedah yang Rendah, Pantas dan Mudah: 8 kebaikan Pajak Gadai Wangi."

The difference between Ar-Rahnu Schemes and Pajak Gadai Wangi

Baca versi Bahasa Malaysia

	Ar-Rahnu	Pajak Gadai Wangi
Concept	Islamic pawn based on Shariah principles.	Conventional pawnbroking.
Cost of loan	Monthly safekeeping fees based on the value of the pawned gold (marhun value).	2% interest per month based on the loan amount.
Loan Duration	The first period of 6 months may be extended for three months and finally another 2 months.	6 month loan period may be extended for another 6 months. A loan may be extended indefinitely.
Collateral	18K - 24K (750 – 999) gold only. Gold bars no longer accepted.	Pajak Gadai Wangi accepts gold of various grades of fineness, white gold, gold watches, gold bars, gold coins/dinars, diamonds, hollow gold jewellery and gold jewellery with stones. Gold items which are damaged, broken, torn, or crushed are also accepted.
Process	Customers must fill out forms and provide information such as employer’s name, work address, occupation, gross income and other personal details to the bank. Customers must also open a savings account with the bank.	Most transactions will take only a few minutes. No forms to fill out.
Credit Check and Bankruptcy Status	Customers who are declared bankrupt are not eligible to apply for loans under the Ar-Rahnu scheme. Loan details will be added to the Central Credit Reference Information System (CCRIS). A customer's credit report will be affected if the loan with the bank is not repaid on time.	No credit checks. Customers who are declared bankrupt can get a loan at a pawnshop. No customer details will be added to the CCRIS and a customer's credit history will not be affected.
Minimum Loan Amount	RM100 minimum.	Pajak Gadai Wangi can loan you an amount of less than RM100.
Opening Hours	Bank Rakyat and Agro Bank are closed on weekends and public holidays.	Pajak Gadai Wangi is open 6 days a week.

Why choose Pajak Gadai Wangi?

1. Pajak Gadai Wangi practices a high standard of business ethics and complies with the Pawnbrokers Act 1972.
2. Fair and transparent dealings: details of the pawn item, loan amount, loan duration and conditions of the loan are recorded in detail on each pawn ticket.
3. No late penalty charges or advance deductions.
4. Interest is charged based on the loan amount and not the value of the gold pledged. Therefore, customers can choose to borrow a large or small amount depending on their needs.
5. All valuables are securely stored and will not be tampered with.
6. Pajak Gadai Wangi provides a high loan amount and competitive interest rates.
7. Pajak Gadai Wangi will notify the customer whenever their loan duration is about to end so that customers can redeem or extend their loan duration on time.
8. An auction notice will be sent to the customer when their loan repayment period has expired. The auction will be overseen by the Ministry of Housing and Local Government and operated by a licensed auctioneer. Surplus money will be returned to the customer.

Read why Pajak Gadai Wangi is Your Loan Provider of Choice.