Safe for women and first-timers
pawn
shop
since 1981
What is a pawn shop？
pawn
purchase
At a pawn shop, you can borrow money using the item as collateral (pawning),You can sell (buy) unwanted items.
"Pawnkeeping" is a convenient system unique to pawn shops that allows you to borrow money without letting go of your valuable items!
It does not take time and troublesome examination to borrow money.
If you can return the principal and interest by the deadline, we will return the goods you have entrusted to us.
If you can't pay it back, the item you entrusted to us will be sold as a "forfeiture"...
Anyone can use the pawn shop as long as they have items!
Business content
I'm in trouble because I don't have enough money right now...
Even though it's before payday, sudden expenses continue...
You need a pension or a bridging money before payday, etc.
At times like this, please
Please contact the pawn shop [Kinokuniya] in Itsukaichi, Saiki-ku, Hiroshima!
pawnbroker
What is quality deposit?
This is a system in which customers' goods are held as collateral and cash loans are provided.
If you can pay it back by the due date, we will return the collateral.
purchase
What is purchase?
It is a system that allows you to buy your items in cash.
We also buy broken jewelry and watches.
If you have any unwanted items, please feel free to contact us.
Items handled
precious metal
◆ Gold/Platinum
◆ Jewelry/Used Jewelry
◆ Diamond
◆ Brand jewelry…etc
Brand products
◆ Bags
◆ Wallets
◆ Wristwatches...etc
Others
◆ Electric appliances
◆ Golf equipment
◆ Camera
◆ Electric tools, etc
Please feel free to contact us if you do not understand
In addition to the above products,
there are other products that we also handle.
System and flow of use
We will finance your items!
Kinokuniya offers two types of systems: pawning (depositing items and borrowing money) and purchasing (selling items for money).
It's difficult to come to the store, shall we take care of the quality? Shall we buy it? For those who are worried about it, we also accept assessments on LINE that can be easily used by phone or smartphone.
Please feel free to use [Kinokuniya] in a way that best suits you, as it is a system in which you will be asked to come to our store if the assessed amount is acceptable to you.
～Flow of use at the time of visit～
STEP.1
Please bring the item you wish to pawn.
We will look at the item and assess how much you can borrow.
[Caution] Please note that we may not be able to handle some products or depending on the condition of the product.
STEP.2
We will tell you how much you can borrow.
If you are satisfied with the amount, we will explain the system such as the deposit period and interest rate, and the contract will be concluded. There is no need to sign a contract if you are not satisfied. Also, even in that case, there is no assessment fee or commission, so please feel free to visit us.
STEP.3
If you are visiting us for the first time, please bring your ID (driver's license, insurance card, passport, student ID, etc.).
STEP.４
We will give you cash and a pawn ticket on the spot.
A pawn ticket is required when returning an item or extending the period.
Please keep it in a safe place.
STEP.5
We will carefully store your items until the expiration date.
(Security measures are perfect!)
～Notes～
Storage periodThe term of the “pawn” loan is 3 months. If you can pay the loan amount and interest within this period, we will return the item.
※Extension of storage period
If your loan is about to expire, you can extend the loan period by paying interest only.
(The interest calculation method and interest rate are set within the scope of the Pawn Shop Business Law.)(No loan request)
～If you cannot repay～
If you are unable to repay within the time limit or if you fail to pay the interest, the ownership of the goods you have entrusted to us will be transferred to our store.
Customers are no longer obligated to repay the principal and accrued interest, and there are no repayment claims.
There is no demand for money such as interest or principal, and we do not contact you that payment is behind.
In that sense, it is a “safe financial system without collection”. However, the items will be disposed of without contact, so please manage yourself.
A pawn shop founded in 1981 in Itsukaichi, Saeki-ku, Hiroshima!
Please make good use of the trust and achievements of [Kinokuniya] for over 40 years.
Assessment at the store and assessment on LINE are free.
First-timers and foreign nationals
This is a shop where even women can visit with peace of mind!
CALL HERE
0120-651074
[ business hours ]
9:00～19:00
※Sundays and holidays 10:00-18:00
[ Shop closed]
7th, 17th, 27th plus
We are closed on the 1st of every month.
Store Guide
company name
Kinokuniya
phone number
0120-651074 082-923-1074
address
〒731-5135
Kairouen, Saeki Ward, Hiroshima City, Hiroshima Prefecture2-chome 9-4
access
Sanyo Main Line Itsukaichi7 minute walk from the station
Bus / Itsukaichi Port bus stop / 3 minutes on foot
Hiroden/Saeki Kuyakusho-mae tram stop, 3 minutes on foot
parking
can be
business hours
9:00～19:00
※Sundays and holidays 10:00-18:00
Closed
7th, 17th, 27th plus
We are closed on the 1st of every month.
Repayment deadline, pawn fee (loan interest), etc
Safety, kindness, and politeness are our mottos!
The pawn shop operates in accordance with the Pawn Shop Business Act and its enforcement regulations.
Therefore, it is not subject to the application of the Money Lending Business Regulations.
●Repayment deadline
The maximum repayment (investment) period is 3 months from the date of deposit.
(example)
Date of receipt → Date of receipt
January 1 → April 1
Kinokuniya's pawning period is 3 months (calendar month calculation) from the date of pawning.
It is possible to receive the item
※1 at any time until the deadline.
It is possible to extend the period by paying a pawn fee.
※1 Receipt means paying the principal + pawn fee and returning the item (pawn) that has been entrusted.
for example…
When a watch worth 100,000 yen is pledged and repaid after 3 months
Principal 100,000 yen + pawn fee 26,000 yen (monthly interest rate 6.5% x 4 months) = 126,000 yen
●About material
This is an example of Kinokuniya's interest calculation method.
1,000 yen to 50,000 yen 8%
51,000 yen - 350,000 yen 5% + 1,500 yen
From 400,000 yen ~ 5%.
Monthly interest rate up to 8% (Annual interest rate up to 96.0%)
The pawn fee is the interest paid by the pawn shop as stipulated by the Pawn Shop Business Act.
This includes not only interest on the loaned money (principal), but also management and storage fees.
Kinokuniya's materials are calculated on a calendar month basis.
Calendar month calculation is a monthly fee calculation method in which the monthly interest is calculated and the monthly fee is added at the end of each month.
【How to calculate the material fee】
※Pawn shops are calculated on a calendar month basis. It is not a daily calculation.
Example: If the date of receipt is January 5th (deadline of quality is April 5th)
1 month from January 5th to January 31st
2 months from February 1st to February 28th
3 months from March 1st to March 31st
4 months from April 1st to April 5th
※The pawn fee is calculated as follows based on the deferred payment calendar month calculation method and the interest rate specified on the pawn tag for each transaction.
Principal x interest rate x number of months
※Details will be explained at the store.
・The deadline can be extended by paying the pawn fee.
（Material example）
Material fee to be paid → Deadline to be extended
1 month pawn → 1 month extension
2 months pawn → 2 months extension
If you do not plan to receive the pawn by the due date, you can extend the due date by paying only the pawn fee by the due date.
This is called an interest rate hike, and as long as the customer can continue to raise interest rates (interest payments), the expiration date will be extended.