Frequently Asked Questions (FAQ)

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PAJAK GADAI WANGI Kuching

Licensed pawn shop.

Tel: 082 – 348229 Fax: 082 – 331022 Twitter: twitter.com/pajakgadaiwangi

Business Hours: Mon - Sat 8am - 5.30pm;   Sunday and Public Holiday Closed.

FAQ (Frequently Asked Questions):

1.  What services does Pajak Gadai Wangi provide?

• Pajak Gadai Wangi is a licensed pawnshop. 
• We provide cash loans. The interest for our loans is 2% per month.
• Customers store their gold or jewellery with us as security for the duration of the loan and redeem their items when the loan is repaid. 

2.  What does “pawn” mean?

• “Pawn” means depositing your valuables with a pawnbroker as security to obtain a loan.
• Unlike selling your valuables outright, a pawn gives you the option of reclaiming your items.
• Pawning is simple: You bring us gold or jewellery, we loan you cash, you pay us back plus a small fee, you get your goods back.
• If you want the option of keeping your goods, then a pawn is the answer.

3.   How does our loan work?

• Most transactions at Pajak Gadai Wangi require only a few minutes.
• We appraise your gold and jewellery based on market prices of the day. 
• Once an agreement is reached, the customer will receive a pawn ticket and cash instantly. 
• The loan duration is 6 months.
• Customers can redeem their pawned items anytime within 6 months.
• The loan duration can be extended for another 6 months by paying any interest due. 

4.  What can I pawn?

• You can get a cash loan at Pajak Gadai Wangi using gold, platinum, silver, jewellery and diamonds as collateral.
• We accept gold of various grades of fineness, white gold, gold watches, gold bars, gold coins/dinars etc. Gold items which are damaged are also accepted.
• All gold jewellery: rings, bracelets, chains, necklaces, pendants, bangles, earrings, hollow gold jewellery and gold jewellery with stones etc.
• If you are unsure if we will accept your items, please contact us.

5.  How much can I get?

• Our appraisal is based on the value of the items that a customer wishes to pawn.
• We aim to give you the highest loan amount for your valuables.

6.  Who can pawn?

• All customers must be 18 years of age and above and possess a valid identification document such as Mykad or passport.
• You must be the legal owner of the items that you wish to pawn.

 

7.  How is interest calculated?

• Interest is 2% of the loaned amount per month.  E.g. A customer who borrows RM100 pays only RM2 in interest a month.
• Customers only pay interest for the duration of their loan. Eg. A customer who is loaned RM100 and redeems his item within 3 months pays only a total of RM6 in interest (RM2 x 3 months).

8.  What is the duration of the loan?

• The loan duration is for 6 months or earlier.
• Customers can redeem their items anytime within the 6-month loan term.
• Loans are renewable and can be extended for another 6 months.

9.  Do I have to make any monthly payments for my loan?

• Monthly interest payments are not necessary.
• Customers only need to pay any interest due when redeeming their pawned items or at the end of the 6-month loan term.

 

10.  Can I make payments by instalments?

• Customers have the flexibility to make payments in any amount.

11.  How do I know if my loan is about to expire?

• The expiry date of a loan is six months from the pawn date.
• The expiry date of a loan is written on the pawn ticket issued to the customer.
• Pajak Gadai Wangi will contact the customer by phone or mail before the expiry of a loan so that customers are reminded to redeem or renew their loans on time.

 

12.  How can I extend the duration of my loan?

• Please visit us and bring along your Identification Card and pawn ticket.
• You will need to pay any interest due.
• Your loan will be extended for another 6 months.
• We will issue you with a new pawn ticket.

 

13.  How can I replace a lost/ stolen pawn ticket?

• Please visit us to make a lost/ stolen pawn ticket report and bring along your Identification Card.
• You will be issued with a new pawn ticket within minutes.

14.  Can I redeem my items before the 6 month loan duration has expired?

• Customers can redeem their items anytime before the 6-month loan term has expired.
• There is no penalty for redeeming your items before the 6-month loan term has expired.

15.  Will my items be safe?

• We take security and safety very seriously. 
• Pajak Gadai Wangi utilises round the clock video surveillance, alarm systems and vault storage to protect your valuables.
•  Your valuables will not be tampered with. 

16.  Is the buying/ selling of pawn ticket(s) legal?

• The buying and selling of pawn ticket(s) is illegal.
• Illegal money lenders buy pawn tickets in order to charge borrowers a much higher rate of interest, often more than 5%.
• Our customers can renew their pawn tickets easily at Pajak Gadai Wangi by paying any interest due and have their loan duration extended for another 6 months.

Pajak Gadai Wangi Location Map (Peta Lokasi Pajak Gadai Wangi)

Location Map of Pajak Gadai Wangi

Peta Lokasi Pajak Gadai Wangi

旺裕當铺 Pajak Gadai Wangi 位置图

Driving Directions to Pajak Gadai Wangi
Arahan Memandu
GoogleMaps

PAJAK GADAI WANGI Kuching 旺裕當铺

Tel: 082 – 348229 Fax: 082 – 331022 Twitter: twitter.com/pajakgadaiwangi

Business Hours: Mon - Sat 8am - 5.30pm;   Sunday and Public Holiday Closed.

Faedah yang Rendah, Pantas dan Mudah: 8 kebaikan Pajak Gadai Wangi.

Read this article in English

1. Pajak Gadai Berlesen dan Faedah 2% Sahaja

• Akta Pemegang Pajak Gadai 1972 digubal untuk memastikan bahawa hak-hak peminjam dilindungi
• Pajak Gadai Wangi adalah kedai pajak gadai berlesen yang mematuhi Akta Pemegang Pajak Gadai 1972.
• Selaras dengan Akta Pemegang Pajak Gadai 1972, Pajak Gadai Wangi memberikan pinjaman tunai pada kadar faedah yang rendah, iaitu 2% sebulan. Contohnya, pelanggan hanya membayar RM2 sebulan untuk pinjaman RM100.
• Pelanggan TIDAK membayar kadar faedah atau caj tinggi yang tidak berpatutan di Pajak Gadai Wangi.
• Tempoh pinjaman adalah untuk tempoh 6 bulan atau lebih awal dan boleh diperbaharui untuk tempoh 6 bulan.
• Semua barangan pajakan disimpan dengan selamat di dalam bilik kebal dan premis kami di bawah pengawasan CCTV 24 jam sehari.  

2. Kejujuran dan Integriti

• Pajak Gadai Wangi adalah perniagaan kecil yang mengutamakan prinsip kejujuran dan integriti.
• kami berurusniaga dengan cara yang adil dan profesional.
• Menyediakan perkhidmatan yang cemerlang merupakan keutamaan kami. Kami percaya pelanggan yang berpuas hati adalah iklan yang terbaik.
• Pajak Gadai Wangi menghargai privasi pelanggan kami dan semua maklumat pelanggan akan dikendalikan dengan sulit.

3. Wang Tunai Pantas

• Urusniaga di Pajak Gadai Wangi hanya mengambil masa beberapa minit.
• Pelanggan hanya perlu membawa kad pengenalan dan cagaran (emas atau barang kemas emas).
• Emas dan barang kemas emas akan ditaksir oleh kakitangan yang berpengalaman.
• Pelanggan hanya perlu membayar kadar faedah 2% sebulan untuk pinjaman mereka di Pajak Gadai Wangi.   

 4. Penilaian yang Tinggi

• Pajak Gadai Wangi memahami bahawa pelanggan ingin mendapatkan amaun pinjaman tertinggi untuk emas dan barang kemas emas mereka dan kami menawarkan penilaian yang tinggi untuk  barangan pajakan pelanggan.
• Harga pasaran untuk emas agak stabil dan pelanggan boleh mendapatkan jumlah pinjaman yang tinggi untuk emas dan barang kemas emas di Pajak Gadai Wangi.   

5. Tiada Pemeriksaan Kredit atau Penjamin

• Pajak Gadai Wangi TIDAK menjalankan pemeriksaan kredit terhadap pelanggan.
• Pelanggan TIDAK perlu penjamin untuk mendapatkan pinjaman di Pajak Gadai Wangi.
• Pelanggan hanya perlu membawa kad pengenalan mereka dan cagaran (emas atau barang kemas emas).
• Kegagalan menyelesaikan pinjaman tidak akan menjejaskan sejarah kredit pelanggan. 

6. Staf yang Mesra, Premis yang Selesa dan Perkhidmatan Cekap

• Kakitangan Pajak Gadai Wangi sedia membantu pelangaan. Kami berbangga memberikan pelanggan perkhidmatan yang cemerlang.
• Staf yang mempunyai pengalaman bertahun-tahun dalam perniagaan barang kemas akan menawarkan penilaian yang tepat untuk emas dan barang kemas emas.
• Pajak Gadai Wangi menggunakn sistem komputer. Setiap transaksi hanya mengambil masa beberapa minit.
• Premis Pajak Gadai Wangi berhawa dingin, bersih dan selesa.

7. Lokasi yang Mudah dan Waktu Perniagaan yang Fleksibel.

• Pajak  Gadai Wangi dibuka dari pukul 8 pagi hingga 5.30 petang Isnin - Sabtu.
• Terletak di Jalan Pending, bertentangan Chung Hua Middle School No 1 dan mudah diakses.
• Tempat letak kereta yang percuma di sekitar premis Pajak Gadai Wangi.
• Terdapat kedai-kedai kopi, kedai-kedai alat tulis, pejabat dan kedai roti berhampiran kedai pajak gadai kami.

8. Kami Prihatin Terhadap Pelanggan

• Pajak Gadai Wangi menyediakan perkhidmatan yang bernilai kepada masyarakat dengan menyediakan pinjaman wang pada kadar faedah yang munasabah.
• Kami bertindak balas terhadap maklum balas pelanggan dan berusaha untuk menyediakan tahap perkhidmatan yang tinggi setiap masa.
• Kami mudah dihubungi melalui telefon, faks dan e-mel. Ikuti Pajak Gadai Wangi di Facebook dan Twitter!
• Kami mengiklan melalui surat khabar dalam pelbagai bahasa untuk membolehkan semua pelanggan memahami perkhidmatan kami.

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Pajak Gadai Wangi terletak di  No.1, Lot 8229, Jalan Pending, Kuching; berhadapan Sekolah Chung Hua No.1.

Waktu perniagaan kami adalah 8 pagi hingga 5.30 petang  Isnin - Sabtu.

Sila hubungi kami di 082 - 348 229, Fax: 082 - 331 022.

Low Interest, Quick and Easy Pawnshop: 8 Good Reasons Pajak Gadai Wangi is Your Loan Provider of Choice

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1. Licensed Pawnshop and Only 2% Interest

• The Pawnbrokers Act 1972 was enacted to ensure that the rights of the borrower are protected. 
• Pajak Gadai Wangi is a licensed pawn shop which complies with the Pawnbrokers Act 1972. 
• In accordance with the Pawnbrokers Act 1972, Pajak Gadai Wangi provides cash loans at a low interest rate of only 2% per month. Eg. Customers pay only RM2 per month for a RM100 loan.
• Customers do NOT pay unreasonably high interest rates or charges at Pajak Gadai Wangi.
• The loan duration is for a period of 6 months or earlier and renewable for another 6 months
• All pawn items are securely stored in a strong room and our premises is under CCTV surveillance 24 hours a day.      

2. Honesty and Integrity

• Pajak Gadai Wangi is a small business guided by honesty and integrity. 
• We believe in building relationships with our customers and dealing with our customers in a fair and professional manner.
• Providing excellent service is our top priority. A satisfied customer is our best advertisement. 
• Pajak Gadai Wangi values the privacy of our customers and all customer information will be treated with the strictest confidence.     

3. Fast Cash

• Most transactions at Pajak Gadai Wangi take only a few minutes.
• Customers need to bring along their Identification Card and collateral (gold or gold jewellery).
• Gold and gold jewellery is valued on the spot by experienced staff.
• Customers only pay an interest rate of 2% per month for their loans at Pajak Gadai Wangi

 

4. High Valuation

• Pajak Gadai Wangi understands that customers seek the highest loan amount for their gold and gold jewellery and we aim to offer a high valuation on the items customers wish to pawn.
• Gold prices remain fairly stable and customers could obtain a high loan amount for gold and gold jewellery at Pajak Gadai Wangi.

5. No Credit Checks or Guarantor Required

• Pajak Gadai Wangi does NOT conduct credit checks on customers.
• Customers do NOT need a guarantor to obtain a loan at Pajak Gadai Wangi.
• Customers only need to bring their Identification Card and collateral (gold, gold jewellery or diamonds).
• Failing to settle a loan does not affect a customer’s credit history. 

6. Friendly Staff, Comfortable Premises and Efficient Service

• Pajak Gadai Wangi is staffed by friendly and approachable people. We take pride in offering our customers excellent service.
• Experienced personnel with years of experience in the jewellery trade.
• Pajak Gadai Wangi is computerised. Each transaction takes only a few minutes.
• Our premises is air conditioned, clean and comfortable

 
7. Convenient Location and Flexible Opening Hours

• Pajak Gadai Wangi is open from 8am to 5.30pm Monday – Saturday.
• Located along the main road at Jalan Pending, opposite Chung Hua Middle School No. 1 and is easily accessible.
• There are plenty of free car parking spaces around our premises.
• There are coffee shops, stationery stores, offices and a bakery within walking distance of our pawn shop.

8. We Care About Our Customers· 

• Pajak Gadai Wangi provides a valuable service to the community by providing loans at reasonable interest rates.
• We respond to the feedback of our customers and strive to provide the highest level of service at all times.
• We are easily contactable via telephone, fax and email. Follow Pajak Gadai Wangi on Facebook and Twitter!
• We advertise through newspapers in various languages to allow all customers to understand our services.

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Pajak Gadai Wangi is located at No.1, Lot 8229, Jalan Pending, Kuching; opposite Chung Hua Middle School No.1 (一中对面).

We are open from 8am to 5.30pm Monday - Saturday.

Please call us at 082 - 348 229, Fax: 082 - 331 022.

Newspaper Articles: The Borneo Post and Utusan Borneo

An article on Pajak Gadai Wangi entitled "Pawnshops — the alternative, quick loan providers" is featured on page D1 of The Boreno Post today (27 December 2011). The article can be found here.

Rencana berkaitan Pajak Gadai Wangi bertajuk "Pawnshops — the alternative, quick loan providers" disiarkan di akhbar The Borneo Post hari ini (27 Disember 2011). Rencana tersebut boleh dibaca di sini.

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 The Borneo Post, Tuesday, 27 December 2011, Page D1
 Pawnshops — the alternative, quick loan providers

KUCHING: Pawn broking can be traced to ancient China and has been practised in Malaysia for hundreds of years.

Chinese immigrants here introduced pawnshops as institutions for reinvesting capital from their economic activities. To control the pawning industry, the British enacted pawn broking related ordinances and enactments.

In 1957 there were nine separate pawn broking legislations in the states of Peninsular Malaysia, Sabah and Sarawak. In 1972, the Pawnbrokers Act 1972 was passed, repealing the nine separate legislations and regulating pawnbrokers under one uniform act.

Here’s how a pawn shop in Malaysia operates: Let’s say you need a loan but you can’t fulfil the strict requirements of a bank loan, you could take a valuable item you own to a pawn shop and offer it as collateral. The pawnbroker will then lend you however much he deems your item to be worth.

After six months, you repay the money plus interest per month on the loan and have the item returned to you or you could choose to renew the loan for a further period of not less than 3 months. In compliance with the Pawnbrokers Act 1972, the pawnbroker shall charge no more than two per cent interest per month on the loan.

According to the manager of Pajak Gadai Wangi at Jalan Pending here, pawnshops had always been loan providers willing to make loans other lenders would not. The manager of the pawn shop, who operates one of only two licensed pawnshops here and has over 10 years experience, says that “customers receive the highest loan amount possible based on the items they wish to pawn.”

He added that pawnshops provide small loans, require no credit checks and if the loan can’t be repaid, there are no long-term repercussions.
“Not repaying a bank loan or credit card trashes your credit but not so with pawning.”

To obtain a cash loan customers need only bring along their identification card and collateral, usually gold jewellery. The transaction takes only a few minutes, providing fast cash for those in need.

Many pawnshops in Malaysia deal exclusively with gold, as it is a mainstay for pawnshops. The manager of Pajak Gadai Wangi said this is because gold holds its value well allowing pawnshops to give larger loans when gold is used as collateral.

The Pawnbrokers Act 1972 enforces strict guidelines on pawnbrokers to ensure the safekeeping of gold jewellery and other valuables pawned, so customers need not worry about their belongings once pawned.
According to the manager, Pajak Gadai Wangi stores all its pawned articles are kept in a secure vault that is under surveillance at all times.

The pawn business relies on trust to win customers thus making honesty and integrity important values for every pawnbroker, said the manager of Pajak Gadai Wangi, who added that word of mouth was their best advertisement.
“A happy customer will tell a friend about your business; an unhappy customer will tell 10 friends about your business.”

Pajak Gadai Wangi strives to provide a high level of service to their customers with a comfortable setting, employing a computerised system and most importantly, being a business one can trust.

Pajak Gadai Wangi is located at No. 1, Lot 8229, Jalan Pending (opposite Chung Hua Middle School No 1).

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Utusan Borneo  27 December 2011
Pajak Gadai Wangi Dibuka

KUCHING: Pajak Gadai Wangi yang terletak di No.1, Lot 8229, Jalan Pending kini dibuka.
Kedai berhadapan dengan Sekolah Menengah Chung Hua No.1 itu merupakan pajak gadai berlesen.

Pengurusnya, berkata pajak gadai tersebut merupakan satu daripada hanya dua pajak gadai berlesen di bandar raya ini. 

"Kami cuba sedaya upaya untuk memberikan pelanggan pinjaman wang selebih mungkin mengikut nilai barangan yang dicagarkan," katanya baru baru ini.

Kedai pajak gadai memberikan pinjaman kecil berbanding bank yang menguruskan amaun yang besar.
Pengurus Pajak Gadai Wangi berkata, memajak tidak melibatkan pemeriksaan kredit dan jika sesuatu pinjaman gagal dibayar, rekod kredit pelanggan tidak akan terjejas.

"Untuk mendapatkan pinjaman di pajak gadai berlesen, pelanggan hanya perlu membawa kad pengenalan dan cagaran, biasanya barang kemas emas," katanya. Malah, pajak gadai tidak mengambil tempoh berhari- hari untuk memberi kelulusan, cuma beberapa minit.

Pajak Gadai Wangi, menurut beliau lagi, berusaha memberi khidmat terbaik kepada para pelanggan. "Setiap pelanggan yang berpuas hati akan memberitahu sepuluh orang  tentang perniagaan anda," katanya lagi.

2% Interest per month. Duration: 6 months. Friendly Service.

Pajak Gadai Wangi is a licensed pawn shop.
Pajak Gadai Wangi ialah pajak gadai berlesen.

Pajak Gadai Wangi provides cash loans at a low interest rate of 2% per month. We accept gold, gold jewellery and diamonds as collateral. Loans are for a period of 6 months or earlier and  renewable for another six months.
Pajak Gadai Wangi menawarkan perkhidmatan pinjaman wang pada kadar faedah 2% sebulan. Kami menerima emas, barang kemas emas dan berlian sebagai cagaran. Tempoh pinjaman ialah 6 bulan atau lebih awal dan pinjaman boleh diperbaharui untuk enam bulan lagi.

Our pawnshop is conveniently located beside the main road at Jalan Pending, opposite Chung Hua Middle School No. 1. There is plenty of  FREE parking space and there is a bus stop in front of our pawn shop. Pajak Gadai Wangi is fully computerised. Customers can expect efficient service from our team of well trained staff. We look forward to seeing you at Pajak Gadai Wangi.

Kedai pajak gadai kami terletak di Jalan Pending, bertentangan Sekolah Menengah Chung Hua No.1. Tempat letak kereta PERCUMA disediakan dan bas awam berhenti di hadapan kedai kami. Pajak Gadai Wangi menggunakan sistem komputer. Pelanggan kami akan menerima layanan yang terbaik daripada staf Pajak Gadai Wangi. Kami berharap berjumpa anda di Pajak Gadai Wangi.

Updated: 03 September 2012.

We're Now Open

We're pleased to announce that Pajak Gadai Wangi is now open for business.
Kami dengan berbesar hati mengumumkan Pajak Gadai Wangi kini dibuka.

We're located at  No. 1, Lot 8229, Ground Floor, Jalan Pending, 93450 Kuching, Sarawak. (Opposite Chung Hua Middle School No.1)

Alamat kami adalah No. 1, Lot 8229, Ground Floor, Jalan Pending, 93450 Kuching, Sarawak (bertentangan Sekolah Menegah Chung Hua No.1)

Our business hours are:
Monday - Saturday: 8.00am to 5.30pm
Sunday and Public Holidays: Closed

Waktu perniagaan kami adalah:

Isnin - Sabtu: 8.00 pagi  hingga 5.30 petang

Ahad dan Cuti Umum: Tutup

Our contact numbers are:
Kami boleh dihubungi di:

Tel: 082 - 348229

Fax:  082 - 331022