人各有所求，有些人的胃口小有些则反之。 尤其是当我们谈到借贷和现金流，金额的差距可能从100新元到10万新元；期限从1个月到1年以上不等。你会不会 好奇我们都遇到过什么样的例子呢？让我们来分享两则来自Cayden和Diana的故事（人物名字纯属虚构）。
Cayden的父母一直都有投资贵金属的习惯并会带他一起到GSC。从这里他得知了GSC贷款计划。有一天他急需100新元来购买送给女朋友的礼物，可是距离下一个领零用钱的日子还有10天。作为一个18岁没有副信用卡的学生党，他决定把每年生日父母送他的银币抵押来换取现钱。他的银币其实价值400新元可是他只借贷了所需的100新元而已。当他领到零有钱后， 他立刻来偿还了1. 50新元的利息和100新元的贷款以赎回他的银币。整个过程快捷、方便并且负担得起，他无需伸手向父母要钱或向朋友借钱。
另一边46岁的Diana有着很不一样的背景，她经营着从印度入口多种商品的生意。在等着她的顾客在两星期内汇款时，她先需要一个短期且及时的10万新元贷款来偿还一批货。她浏览了数个方案，考虑到金额和短暂的期限，她决定在GSC贷款计划抵押2公斤的金条。在她收到顾客转来的资金后，她在一个月内偿还了所借贷款和1%的利息。
想知道Cayden和Diana是如何做到的？欢迎您浏览我们的网站和阅读金银中央的抵押贷款计划的相关文章。如有任何问题，欢迎您想我们咨询。或在此留下你的名字与联络号码，我们会在一个工作日内联络你。
免责声明: 这些是我们满意的客户对于抵押计划如何帮助他们实现目标的分享，但这绝不是为次作代言或投资建议，可能不适用于所有情况或您的个人情况。 此处共享的信息具有一般性质，不应被视为任何特定问题的专业和/或法律建议。
Maya
Different people have different needs; some might have a small appetite, while others might be the direct opposite. Especially when it comes to getting loans and cash flow management, the amount can vary from S$100 to S$100,000; tenures can range from one month to 1 year or even longer. Curious about what we have encountered before? Allow us to share how we worked out a solution for our clients, Cayden and Diana (Fictitious names created for privacy).
Cayden’s parents have been investing in precious metals for some time and will bring him along during their visits to GSC. He learnt about the GSC Collateral Loan program from one such visit. On one occasion, he needed S$100 urgently to buy his girlfriend a gift on her birthday but he can only get his pocket money 10 days later. As an 18 years old student without a supplementary credit card, he decided to bring the silver coins he received yearly from his parents as a birthday gift to pledge for instant cash. The Silver coins he owned could actually get S$400 loan but he only took the amount he needed, which is S$100. After he got his pocket money, he came to pay the interest of S$1.50 and the loan amount S$100 for redeeming his silver coins. It’s fast, easy and affordable; all done without the need to trouble others including his parents.
On the other hand, 46 years old Diana has a very different profile. She’s running her own business importing various goods from India. To pay off a batch of imported goods worth S$100,000 before incoming funds from her client is received in 2 weeks, she needs a one-month short term loan and needs to get funds fast. She browsed through the available options, keeping in mind the amount she needed and the short loan tenure; she decided to pledge her 2kg Gold bars with GSC under the Collateral Loan program. After she gets the funds cleared from her client, she pays back the loan amount plus 1% interest within one month.
Want to know how Cayden and Diana did it? Feel free to browse our website and articles on our GSC Collateral Loan program. Don’t be shy, go ahead and contact us if you have further queries and our friendly sales team will be more than happy to assist. Alternatively, you can click here to leave your name and contact number and we will get back to you within one business day.
Disclaimer: These are sharing from our happy clients on how the collateral program assisted them to achieve their goals, but this is by no means an endorsement or investment advice and may not apply to every situation or to your own personal circumstances. Information shared here are of general nature and should not be regarded as a substitute for seeking professional and/or legal advice on any specific issues.
Maya
每一个人都会有想追求的东西。可是我们手上的资金是有限的，或是我们也可能因为不符合申请条件而无法拥有信用卡。在这种情况下我们该如何才能得到我们想要的东西呢？让我们来分享两则来自Amanda和Ben的故事 （人物名字纯属虚构）。
一个月前，Amanda刚从大学毕业和开始工作，她目前还不能申请信用卡。可不巧的是她的手机在这个时候坏了，所以她想买一架新的iPhone 12。在有限的条件内，她想到了金银中央的抵押贷款计划。
在她21岁生日时，她的父母和亲戚送了她一些金首饰，这些年也只是存放在她的抽屉里。虽然她本身并不喜欢穿戴金首饰，但因为这些首饰具有特殊意义和保值率，所以她一直保存至今。
现在为了能够在不寻求父母的帮助下也能负担得起一架iPhone12，她决定把这些金首饰作抵押并加上一些积蓄来购买新手机。之后在接下来的6个月拨出每月工资的一小部分来慢慢偿还贷款和利息以赎回她的首饰。
另一边的Ben已经工作数年且刚刚结婚。为了增加他的财富以及为未来计划（例如生小孩与购买房子）作储蓄，他打算投资时下很热门的加密货币。经过他的细心研究，他认为加密货币有增长潜能而现在还是投资的好时机。为了凑足资金做投资，他把结婚时收到的一些不适合平日穿戴的金首饰作抵押以换取现金。
他选择不卖掉这些金首饰是因为他相信黄金是一项资产，保留黄金并拥有多元化的投资组合有利与他。通过抵押黄金，他得到更多的资金来投资其他资产并同时保留黄金的拥有权，可说是一箭双雕。他以投资加密货币所赚到的利润来偿还利息并定时偿还部分贷款以减少利息的金额。
想知道Amanda和Ben是如何做到的？欢迎您浏览我们的网站和阅读金银中央的抵押贷款计划的相关文章。如有任何问题，欢迎您想我们咨询。
免责声明: 这些是我们满意的客户对于抵押计划如何帮助他们实现目标的分享，但这绝不是为次作代言或投资建议，可能不适用于所有情况或您的个人情况。 此处共享的信息具有一般性质，不应被视为任何特定问题的专业和/或法律建议。
Maya
Nevertheless, we all have things we want to pursue in our lives, yet our cash flow on hand is limited, or we might not fulfil a certain requirement to have a credit card. So how can we achieve what we want in this case? Let’s share how we provided a solution for our clients, Amanda and Ben (Fictitious names created for privacy).
Amanda just graduated and started to work a month ago; she is not eligible to apply for a credit card yet. Unfortunately her phone is faulty and she’s looking to replace it with an iPhone 12. With the above mentioned limitations, GSC Collateral Loan might be a program she can consider for the short term.
She has some gold jewellery that she received from her parents and relatives during her 21st birthday celebration, left idle in her drawer. She doesn’t like to wear them but still view them as meaningful and valuable, hence she still intends to keep it.
And now for her to afford an iPhone 12 without asking help from her parents, she decides to pledge the gold jewellery, top up with some of her savings to purchase the iPhone 12 and then repay the loan and interest to redeem the gold jewellery within the loan tenure, which is 6 months after she starts on her new job.
On the other hand, Ben has been working for a few years and just got married. To increase his wealth and save up for future expenses i.e. having a baby and pay for a new house, he’s looking to invest in the recent bullish asset, cryptocurrencies. He has done his research and believe that it’s still a good time to buy into cryptocurrencies now as it still has potential for more growth. To raise enough funds to invest in crypto, he pledged the gold jewellery they received during their wedding since it’s not suitable for daily wear.
The reason for not selling the jewellery was, he believes keeping Gold as an asset is a good diversification in his portfolio and Gold looks like it has further upside. By pledging his Gold jewellery, he gets to unlock the cash flow from an idle asset to invest in other assets classes and yet retain the ownership of Gold. This way he can kill two birds with one stone. He pays the loan interest from the profit he makes in trading cryptocurrencies and from time to time, he makes some repayment to reduce the loan amount and hence the interest that he needs to pay.
Want to know how Amanda and Ben do it? Feel free to browse our website and articles on sharing about our GSC Collateral Loan program. Don’t be shy to contact us if you have further queries and our friendly sales team will be more than happy to assist.
Disclaimer: These are sharing from our happy clients on how the collateral program assisted them to achieve their goals, but this is by no means an endorsement or investment advice and may not apply to every situation or to your own personal circumstances. Information shared here are of general nature and should not be regarded as a substitute for seeking professional and/or legal advice on any specific issues.
Maya
Many wonder what other benefits the GSC Collateral Loan Program will have other than the usual that is already known, e.g. short term cash flow. Here we have a perfect case study about how you can keep your physical precious metals but yet still unlock liquidity from it for other available opportunities or need.
Amy invested in Silver after she had done her own research and believe that silver price will rise in the long run. She bought 1000 oz worth of 100 oz Silver bars that cost $37,500 last week but she believes that equities now are a good time to get into.
This is where the GSC Collateral Loan program can assist and help Amy to have both in her portfolio. Assuming the Silver spot bid price is at $34/oz and the loan-to-value of silver is at 75%, let’s look at a simple scenario on how this program works.
Amy starts by buying 1 pc of the 100 oz silver bar and put it into the collateral loan program. She will get $34/oz x 100 oz x 75% = $2550 from collateralizing the bar. If she collateralises 10 of her 100 oz Silver bars, she will be able to get $25,500 from them. She can then use the short term liquidity from her bars for other investment opportunities such as the equities she is looking at or even buy into other precious metals such as Gold if she believes that we are in a commodities super cycle. This is akin to what many are more familiar with, mortgaging their homes for liquidity for investment opportunities or to tide through tough times, you can do the same for Precious Metals and jewellery too!
Feel free to contact us if you are interested!
Maya
When we talk about pawning, people might have a bad impression or feel that it is bad luck to step into a pawnshop, i.e. old shop with high counter top and bars at the counter, lack of transparency in price quotation, bad attitude of valuer and the hassle of frequently travelling to pay the interest etc.
Nevertheless with the number of pawnshops that have grown nationwide to serve locals and foreigners who reside in Singapore, many now find that it’s easier to enter a pawnshop as they have a modern look and approach to business. But most of the time, you might still face difficulty to pledge your Silver and Platinum bullion as pawnshops usually only accept gold (jewellery, bars, coins), watches and other valuable items.
Quick info sharing about the situation here in GSC, we have a good mix of all 3 precious metals clients placed in our collateral loan program but in terms of weight, Silver still leads Gold & Platinum. This data distinguishes us from other pawnshops, showing that we can assist our clients in attaining short term liquidity for Gold, Silver & Platinum to meet their needs.
GSC liaises with a licensed pawnbroker to offer the collateral loan service to clients who need instant cash while retaining the ownership of their precious metals. Our friendly and experienced staff will assist in assessing the value of your item. Prices are transparent and published online. If travelling back and forth is painful for you, we have it taken care of. You may bank transfer the interest to the pawnbroker without travelling all the way down. Let us get all the admin, paperwork and liaising done for you so that you can enjoy the hassle-free experience of pledging your precious metals with a reliable firm.
What are you waiting for? Contact us now to find out more about our collateral loan program!
Maya
