關於高雄公營當舖 的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E9%AB%98%E9%9B%84%E5%85%AC%E7%87%9F%E7%95%B6%E8%88%96/feed/" rel="self" type="application/rss+xml" /> <link></link> <description></description> <lastBuildDate>Fri, 20 Sep 2024 09:57:05 +0000</lastBuildDate> <language>zh-TW</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>//wordpress.org/?v=6.7.2</generator> <image> <url>//danaherbertts.shop/wp-content/uploads/2021/01/icon-150x150.png</url> <title>關於高雄公營當舖 的大小事，大揚代書幫你一網打?/title> <link></link> <width>32</width> <height>32</height> </image> <item> <title>公營當舖和民營當舖有什麼差別？利息又是多少?/title> <link>//danaherbertts.shop/public-pawnshop/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Mon, 29 May 2023 07:07:27 +0000</pubDate> <category><![CDATA[代書業務]]></category> <category><![CDATA[公營當舖利息]]></category> <category><![CDATA[公營當舖拍賣]]></category> <category><![CDATA[公營當舖流當品]]></category> <category><![CDATA[公營當舖營業時間]]></category> <category><![CDATA[臺北市動產質借處]]></category> <category><![CDATA[高雄公營當舖]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=39374</guid> <description><![CDATA[<p>公營當舖和民營當舖有什麼差別？利息又是多少?你聽過「公營當舖」嗎？不僅存在歷史悠久，還是安全借款的另一種好?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/public-pawnshop/">公營當舖和民營當舖有什麼差別？利息又是多少?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></description> <content:encoded><![CDATA[ <div data-elementor-type="wp-post" data-elementor-id="39374" class="elementor elementor-39374" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-73f47dcb elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="73f47dcb" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-36ee70e4" data-id="36ee70e4" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-37021f13 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="37021f13" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1bb91d92" data-id="1bb91d92" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2cb45f5a elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="2cb45f5a" data-element_type="widget" data-widget_type="breadcrumbs.default"> <div class="elementor-widget-container"> <p id="breadcrumbs"><span><span><a href="//danaherbertts.shop/">首頁</a></span> » <span class="breadcrumb_last" aria-current="page">高雄公營當舖</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-67309b66 elementor-widget elementor-widget-heading" data-id="67309b66" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">公營當舖和民營當舖有什麼差別？利息又是多少?/h1> </div> </div> <div class="elementor-element elementor-element-20303db6 elementor-widget elementor-widget-image" data-id="20303db6" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2023/05/public-pawnshop.webp" class="attachment-large size-large wp-image-54148" alt="公營當舖和民營當舖有什麼差別？利息又是多少？－大揚代書" /> </div> </div> <div class="elementor-element elementor-element-f2ad126 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="f2ad126" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-12c54928 elementor-widget elementor-widget-text-editor" data-id="12c54928" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>你聽過「公營當舖」嗎？不僅存在歷史悠久，還是安全借款的另一種好選擇，然而公營當舖和市面上常看到的民營當舖有什麼不同呢？公營當舖收什麼當品？利息又是多少？本文將與你分享公營當舖的相關知識！</p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6f70f2b8 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6f70f2b8" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-675c3f4d" data-id="675c3f4d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-28134d36 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="28134d36" data-element_type="widget" data-settings="{"headings_by_tags":["h2","h3","h4"],"exclude_headings_by_selector":[],"marker_view":"numbers","hierarchical_view":"yes","min_height":{"unit":"px","size":"","sizes":[]},"min_height_tablet":{"unit":"px","size":"","sizes":[]},"min_height_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header" aria-controls="elementor-toc__body"> <h2 class="elementor-toc__header-title"> 內容目錄 </h2> </div> <div class="elementor-toc__body" aria-expanded="true"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-62ac0361" data-id="62ac0361" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-49a99a9 elementor-widget elementor-widget-heading" data-id="49a99a9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">公營當舖是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-17b94737 elementor-widget elementor-widget-text-editor" data-id="17b94737" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>公營當舖?span class="f-point">正式名稱為「動產質借處（所）」，是由政府經營的當舖，屬於政府的產業之一</span>，目前全國的公營當舖只有<a href="//op.gov.taipei/Default.aspx" target="_blank" rel="noopener">臺北市動產質借處</a>?a href="//mps.kcg.gov.tw/Default.aspx" target="_blank" rel="noopener">高雄市政府財政局動產質借所</a>2家。雖然公營當舖受<a href="//law.moj.gov.tw/LawClass/LawAll.aspx?pcode=D0080075"><strong>當舖業法</strong></a>規範，但和一般民營當舖不同的是，公營當舖營業時間和服務項目較制式化，對於借款額度也有其上限?/p> </div> </div> <div class="elementor-element elementor-element-f2095ea elementor-widget elementor-widget-image" data-id="f2095ea" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="639" src="//danaherbertts.shop/wp-content/uploads/2023/05/public_pawnshop.png" class="attachment-large size-large wp-image-39377" alt="公營當舖是什麼－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2023/05/public_pawnshop.png 1001w, //danaherbertts.shop/wp-content/uploads/2023/05/public_pawnshop-300x240.png 300w, //danaherbertts.shop/wp-content/uploads/2023/05/public_pawnshop-768x614.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-538f489 elementor-widget elementor-widget-heading" data-id="538f489" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">公營當舖收什麼？利息是多少？</h2> </div> </div> <div class="elementor-element elementor-element-50f5e93 elementor-widget elementor-widget-html" data-id="50f5e93" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th width="20%" style=" background-color: #f7f2eb; vertical-align: middle; text-align: center">比較項目</th> <th width="40%" style=" background-color: #f7f2eb; vertical-align: middle; text-align: center">臺北市動產質借處</th> <th width="40%" style=" background-color: #f7f2eb; vertical-align: middle; text-align: center">高雄市政府財政局動產質借所</th> </tr> <tr> <th style="vertical-align: middle; text-align: center">金屬?/th> <td style="vertical-align: middle; text-align: left">黃金、白金、K金、銀製品</td> <td style="vertical-align: middle; text-align: left ">黃金、白?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center">鑽石</th> <td style="vertical-align: middle; text-align:left">裸鑽、鑽飾、彩?/td> <td style="vertical-align: middle; text-align:left">裸鑽、鑽石飾?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center">寶石</th> <td style="vertical-align: middle; text-align:left">2克拉以上的紅寶石、藍寶石</td> <td style="vertical-align: middle; text-align:left">不收</td> </tr> <tr> <th style="vertical-align: middle; text-align: center">手錶</th> <td style="vertical-align: middle; text-align:left">勞力士機械錶、非勞力士品牌的高級機械?/td> <td style="vertical-align: middle; text-align:left">勞力士等十大名錶</td> </tr> <tr> <th style="vertical-align: middle; text-align: center">3C產品</th> <td style="vertical-align: middle; text-align:left"> 數位相機、數位攝影機、個人電腦?/td> <td style="vertical-align: middle; text-align:left">Apple筆記型電腦、Apple智慧型手機、高階電競電腦為?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center">汽機?/th> <td style="vertical-align: middle; text-align:left">僅收機車</td> <td style="vertical-align: middle; text-align:left">不收</td> </tr> <tr> <th style="vertical-align: middle; text-align: center">利率<br> （以月計息） </th> <td style="vertical-align: middle; text-align:left"> ?<strong>一般民?/strong>?.68%<br> ?<strong>設籍台北市市?/strong>?.62%<br> ?<strong>設籍台北市中低收入戶／身心障礙者／原住?/strong>?.36%<br> ?<strong>?個月內向北市府社會局申請急難或災害救助獲准之家庭</strong>?.36% </td> <td style="vertical-align: middle; text-align:left"> ?<strong>一般民?/strong>?.9%<br> ?<strong>設籍高雄市低收入戶，質借金?.5萬元?/strong>?.6%<br> ?<strong>設籍高雄市低收入戶，質借金額超?.5萬元</strong>?.9%</td> </tr> </tbody> </table> </div> </div> <div class="elementor-element elementor-element-a2e875c elementor-widget elementor-widget-text-editor" data-id="a2e875c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 基本上只?span class="f-point">年滿18歲且具完全行為能力、持有價物品（所有權明確）之國民</span>，就能向臺北、高雄公營當舖借款? </div> </div> <div class="elementor-element elementor-element-42d4072 example elementor-widget elementor-widget-text-editor" data-id="42d4072" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span style="color: #8c6c5b;"><strong>※貼心提醒：若持當人未滿18歲，但經法定代理人（父母雙方）同意，且法定代理人攜帶身分證件陪同到場，就能辦理質借。若法定代理人無法同時到場，則可一人到場，另一人填寫授權書後，連同證件交由持當人辦理?/strong></span> </div> </div> <div class="elementor-element elementor-element-1ed20787 elementor-widget elementor-widget-heading" data-id="1ed20787" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">公營當舖和民營當舖的差異</h2> </div> </div> <div class="elementor-element elementor-element-fdf1390 elementor-widget elementor-widget-html" data-id="fdf1390" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th colspan="2" width="20%" style="background-color:#f7f2eb; vertical-align:middle;text-align: center">比較項目</th> <th width="40%" style="background-color:#f7f2eb; vertical-align: middle; text-align: center">公營當舖</th> <th width="40%" style="background-color:#f7f2eb; vertical-align: middle; text-align: center">民營當舖</th> </tr> <tr> <th colspan="2" style="vertical-align: middle; text-align:center">營業時間</th> <td style="vertical-align: middle; text-align: left"> ?<strong>臺北</strong>：周一到周?:00?6:30<br> ?<strong>高雄</strong>：周一到周?:00?7:00<br> ※周末、國定例假日皆休?/td> <td style="vertical-align: middle; text-align:left">依各當舖規定</td> </tr> <tr> <th colspan="2" style="vertical-align: middle; text-align:center">借款利率（以月計息）</th> <td style="vertical-align: middle; text-align:left">?<strong>臺北</strong>?.36?.68%<br> ?<strong>高雄</strong>?.6?.9%</td> <td style="vertical-align: middle; text-align:left">最?.5%</td> </tr> <tr> <th colspan="2" style="vertical-align: middle;text-align: center">借款額度</th> <td style="vertical-align: middle; text-align:left">每單不得超過50萬元，每人總額度不得超過300萬元</td> <td style="vertical-align: middle; text-align:left">依典當物品價值、借款人條件而定，無額度上限</td> </tr> <tr> <th colspan="2" style="vertical-align: middle;text-align: center">質借物?/th> <td style="vertical-align: middle; text-align:left">黃金、白金、鑽石、手錶?C產品</td> <td style="vertical-align: middle; text-align:left">黃金、白金、K金、鑽石、珠寶、手錶、名牌精品?C產品、汽車、機車、房屋、土?/td> </tr> <tr> <th style="vertical-align: middle; text-align:center">特殊條件</th> <th style="vertical-align: middle; text-align:center">機車</th> <td style="vertical-align: middle; text-align:left">購買期間4年（含）、行駛里程數2萬公里（含）以內，且無動產擔保設定、禁止異動註記及欠稅紀錄者之輕、重型燃油機車及電動機車（Gogoro?/td> <td style="vertical-align: middle; text-align:left">無車種、車齡、廠牌限?/td> </tr> <tr> <th colspan="2" style="vertical-align: middle; text-align: center">還款期限</th> <td style="vertical-align: middle; text-align:left"> ?<strong>黃金、白金、鑽石、手?/strong>?個月<br> ?<strong>機車、K金、銀製品?C產品</strong>?個月 </td> <td style="vertical-align: middle; text-align:left">3個月</td> </tr> <tr> <th colspan="2" style="vertical-align: middle; text-align: center">倉棧?/th> <td style="vertical-align: middle; text-align:left">?/td> <td style="vertical-align: middle; text-align:left">最高收當金?%</td> </tr> </tbody> </table> </div> </div> <div class="elementor-element elementor-element-472f20ef elementor-widget elementor-widget-text-editor" data-id="472f20ef" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>公營當舖利息較低、沒有其他費用，但借款額度很有限、服務據點少、營業時間固定，適合想低利借貸的人；民間當舖雖然利息稍高、另收倉棧費，但借款額度高、可收當品較多元、服務據點多、營業時間長，適合急需用錢的人?/p> </div> </div> <div class="elementor-element elementor-element-4f081aa elementor-widget elementor-widget-text-editor" data-id="4f081aa" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/pawn-gold/" target="_blank" rel="noopener"><strong>典當黃金可借多少？該選當舖或銀樓？</strong></a></b> </div> </div> <div class="elementor-element elementor-element-47eec13 example elementor-widget elementor-widget-text-editor" data-id="47eec13" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span style="color: #8c6c5b;"><strong>※貼心提醒：「倉棧費」指的是在借款過程中，當舖依當舖業法第20條規定，合法收取質借物品的保管費用?/strong></span> </div> </div> <div class="elementor-element elementor-element-670dd521 elementor-widget elementor-widget-heading" data-id="670dd521" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">公營當舖常見問題</h2> </div> </div> <div class="elementor-element elementor-element-115550e1 elementor-widget elementor-widget-accordion" data-id="115550e1" data-element_type="widget" data-widget_type="accordion.default"> <div class="elementor-widget-container"> <div class="elementor-accordion"> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2901" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-2901" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：公營當舖拍賣的流當品可以購買嗎?/a> </div> <div id="elementor-tab-content-2901" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-2901">借款人若逾期未還款，質借物品就會成為流當品?span class="f-point">年滿民法法定年齡者都可以購買公營當舖流當?/span>?/div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2902" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-2902" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：哪些物品不得向公營當舖質借？</a> </div> <div id="elementor-tab-content-2902" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-2902"><p>根據<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=D0080075&flno=16" target="_blank" rel="noopener"><strong>當舖業法?6</strong><strong>條第1</strong><strong>?/strong></a>規定，下列物品不得質借：</p><ul><li>違禁?/li><li>有價證券及各種存款憑?/li><li>機關印信及其他政府機關管理之財物</li><li>軍警制服及其他附屬物?/li><li>政府核發之證照及私人身分證明文件</li><li>其他經政府明令禁止及管制買賣之物?/li></ul></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2903" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-2903" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：公營當舖機車借款需要留車嗎?/a> </div> <div id="elementor-tab-content-2903" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-2903">需要，<span class="f-point">如果向公營當舖辦理機車借款，需要將機車留在當舖</span>。若有資金需求，但仍想正常使用機車，建議向民營當舖或民間貸款公司申請機車借款?/div> </div> <script 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<p>在臺北市、高雄市的民眾若無法順利向銀行申貸者，可以考慮找當地的公營當舖幫你解決資金問題，不僅利率低廉，也不需支付其他費用。若身處其他縣市不想或無法前往辦理、非公營當舖可收當品、急需資金者，也可以找民營當舖或民間代書協助處理?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-388939bf elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="388939bf" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3e9132a6" data-id="3e9132a6" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2eea2a3 elementor-widget elementor-widget-heading" data-id="2eea2a3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title 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