スペインの質屋では、2011年には2010年より6'1%少ない348'226件の質入れが契約され、金額では1'2%減少の2億1690万0000ユーロの貸し付けが行われた
El crédito concedido cae incluso en los montes de piedad
Los organismos de empeños de las cajas de ahorros prestaron 216,9 millones el año pasado
Hay menos clientes pero las operaciones suben de cantidad, gracias al mayor precio del oro
El perfil: más mujeres que hombres y sobre todo de entre 35 y 50 años
En el 96% de los empeños se pide luego recuperar la joya o renovar el préstamo
Cristina Delgado Madrid 24 OCT 2012 - 18:17 CET
The credit granted falls even in pawnshops
Agencies efforts of the savings banks lent 216.9 million last year
There are fewer customers but the rise of quantity operations, thanks to higher gold price
The profile: more women than men and especially between 35 and 50 years
In 96% of the efforts is requested then recover the jewel or renew the loan
Cristina Delgado Madrid 24 OCT 2012 - 18:17 CET
Not only banks made fewer loans in 2011. Even pawnshops has fallen lending. These institutions of enormous hearth, belonging to the savings banks and operate in a manner similar to pawn shops, at year-end 2011 had granted 348,226 loans amounting to 216.9 million euros. Loans that have as collateral a gem that is deposited in their offices. Means a decrease from the year 2010 from 6.1% in the number of operations in place and 1.2% in volume in euros. As explained in the report containing its annual "this is the second year that reduces the number and force operations in the first year of decline in the balance."
moreThe decline of pawnshops
The pawnshops are not pawnshops, according insist stress from the Spanish Confederation of Savings Banks (CECA), responsible for its annual study. They also give money in exchange for Grandma's jewelry, but they are defined as "institutions pursuing social inclusion through the provision of small loans." They belong to the savings banks (although many banks have become, the boxes still keep them in his bosom pawnshops, like social work), work for over 300 years and currently operate 17 in Spain.
On average, the loans are 690 euros. The difference with the pawn shops, as the report notes, is that people striving jewelry, but then recovered. "The fact that 96% of the securities to be retrieved by the client, or renewed, realizes the way in which the activity of Montes stands apart from the business of buying and selling jewelry or pawn shops . This practice clearly shows the radical difference between an activity designed to promote access to credit and other intended solely for profit, "he says.
The rise of gold boosts the amount
The price of gold has gone through the roof in recent years. In the heat of increased contributions, grows significantly, the volume in euros granted in the new operations of pawnshops. "Over the years it is granting more euros for each transaction, and this is due mainly to the increase in assessed values, especially gold, which is reinforced as a safe haven," they say. Thus, according to their figures, the number of transactions that include loans of between 1,500 and 3,000 euros have increased 160%. In contrast, less than 150 operations have fallen 29% and between 150 and 300 euros, 42%.
The guarantees are not recovered or restarted, ie past the jewelry loan period not claimed, "are taken to auction, after notifying the owner of the garment. Outcome of the auction, once settled the loan and the interest, the surplus is given to the owner of the jewel, "said the annual study. During 2011 a total number of 153 auctions, "in which a premium was obtained through 134%," he says.
The profile: more women than men
At year end 2011, the total number of customers with an existing loan (one or more) exceeded 182,000, almost 35,000 of these were new customers. Over the previous year means a decrease in both total customers (down 2%) and new customers (11% less).
In 2009 was when it reached the maximum number of customers, with 226,056 customers. As for the profile, it increases the difference between men and women "is a growing trend that had been describing in previous years, the number of women being significantly higher than men. In 2011, 68% of clients with loans outstanding were women, "says the report.
For old customers from 35 to 50 years and 50 to 65 years were last year with more weight categories (35% and 29% respectively), followed by the younger, 18 to 35 years, accounting for 21% of the total. The minority portion corresponds to those over 65, with 15%.
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