Hitta till butik  |  Press  |  Sidkarta

English

Loans
Borrowing from us is simple and quick, it usually does not take more than a few minutes. You have to be aged 18 and able to produce valid identity documents. Bring the object that you wish to pledge. The amount of the loan is then based on the second-hand value of the goods. The loan will then run for four months. Some examples are given here of objects that can be pledged;

• Gold
  
  
• Jewellery
  
  
• Exclusive watches
  
  
• Silver objects
  
  
• Music instruments
  
• Technical goods
  
  

When pledging exclusive watches, such as e.g. gold Rolex, a certificate of authenticity is required from a retailer. Technical goods should not be more than two years old and the customer must be able to produce a shop invoice.

Pledge note
The pledge note is personal and cannot be transferred. If redemption is arranged through a representative, we are entitled to demand identity documents from both the borrower and the representative. If a pledge note is lost, there is an additional 35 kronor charge. A loan of, for example, 3,000 kronor costs 110 kronor per month. You can deduct this cost in your tax return. When the loan is made or renewed, an administrative charge of 50 kronor is payable in advance.

Renewals
You are free to decide when you wish to repay the loan, but the loan must be renewed within four months if it is to continue. You will then pay a new administrative charge together with the interest that has accrued since the date of the loan up to and including the date of renewal. The loan then runs for a further four months. If you have borrowed a large amount of money and feel that it is difficult to repay the entire amount at once, you can make a part-redemption. This means that you pay off a sum from the loan amount and collect part of the items pledged. Of course it is possible to make instalments without collecting anything, for example if the collateral for the loan comprises a pledge of only one item. Note that the loan must be renewed in conjunction with a part-redemption/instalment, which means that you must pay the interest that has accrued since the date of the loan.

Redemption
When redeeming, you sign the pledge note, pay the interest and then get the item pledged back. If you do not want to redeem your property, we will arrange for it to be sold at public auction. If the item pledged is sold with a gain, the surplus is always payable to the customer. The customer will be notified in writing if there is a surplus. If an item pledged has been sold at a loss, that is, does not cover the expenses for the loan, Sefina will bear the loss; the customer will not be liable to repay the loss.

Please feel free to contact our staff if you have any questions.