Be sure to take good care of the gold bars so as not to be rejected by the bank in the end. At present, many people have encountered this situation and the losses are very serious.
Faced with increasing inflation, many people try to invest their savings. Some people invest in fund management, stocks, trusts, national debt, etc. These all have certain risks, leading to blood loss.
So many people thought of a way to protect capital and interest, that is, to deposit money in the bank regularly or directly buy gold bars issued by the bank.
In 20 14, Uncle Zhang saved 50,000 yuan and bought four nines of gold in the bank official website.
I just want to put it in my hand and hold it for a long time until the price rises to a certain level before selling it, so as to earn a little difference.
In recent years, the price of gold has also been rising all the way. Collecting and investing in gold can be said to be a steady profit.
In 2020, Uncle Zhang's son needed to buy a house because of his marriage. In desperation, he took his gold collection to the bank he bought before and prepared to exchange some money.
After contacting the mobile phone and the repurchase time, the next day, Uncle Zhang came to the bank with his own gold bars and was tested by bank professionals.
Responding to Uncle Zhang's words almost made her blood pressure soar.
Bank employees:
Hello, uncle, after our test, your gold bars do not meet our acquisition standards, so we will not recycle them.
Knowing that the gold was not recycled, Uncle Zhang quarreled with the bank and bought it from you. At that time, he assured me that it could be recycled. How did he finally tell me that it couldn't be recycled?
Originally, the bank's recycling standard was that the gold content of gold bars reached more than 99.99%, and each gold bar had a corresponding number of grams to see if there was any shortage.
If these two points are not satisfied, they will naturally not be recycled. At that time, after Uncle Zhang bought gold bars and went home, the gold bars fell several times because of moving, and there were many scratches on them. After so many years of friction, the grams and gold content of gold bars failed to meet the standard.
No way, Uncle Zhang Can only got the gold shop to buy back, and the price given by the gold shop was quite different from that given by the bank. I thought I could make money, but I didn't expect to lose a little in the end.
Why did the 2 million gold bars bought from the bank rise to 3 million but were finally rejected?
As an account manager of a bank, I definitely know something about this. I also hope that friends who often buy gold bars to preserve their value must know the following points. Otherwise it will be rejected.
1. Invoice or receipt for purchasing gold bars.
Many people invest in the bank's gold bars to preserve their value. When buying us gold bars, the bank will give us an invoice, which records in detail how many grams of gold bars are per gram, how high the purity is, and the purchase record.
These invoices or receipts must be kept well, because if you want to get them back from the bank in the future, you must show the invoice certificate. You bought these gold bars yourself.
If there is no invoice, then these gold bars will be rejected. There is a simple reason. Without the invoice, it is impossible to prove whether you bought these gold bars or obtained them by other means.
Once some gold bars of unknown origin are collected, it is the banks that are finally in trouble.
2. The purity of the deposit.
In addition to keeping a good invoice, the most important thing to buy gold bars is the fineness of gold bars.
Give a very simple example.
For example, I bought a gold bar of au99.99 in the bank, and I will take it to the bank to buy it back again.
Then, the color of the gold bars must be the same as that of the issued au99.99 gold bars.
If it is a little less, then the bank will refuse it.
3. Don't damage the surface of gold bars and keep the weight intact.
It is also very important that every gold bar in the bank has weight and logo information on it.
Let me give you another simple example.
I bought a gold bar from the bank, weighing 80 grams, so if I recycle it, it must be 80 grams.
Even if one gram is missing, then this gold bar is a damaged gold bar. In this case, banks generally refuse to accept it.
The above three points are the reasons why banks refuse to accept gold bars. Everyone must pay attention.
What if, in reality, banks refuse gold bars?
After all, gold bars are bought for promotion, and the bank refuses to put them in your hands, which is not safe. How do you change them into cash?
In this case, don't worry, there are three ways to exchange money in real life.
1, get the physical gold shop.
If the weight of gold bars is good or the invoice is not damaged, you can take them to the gold shop for exchange.
But the price given by the gold shop is much lower than that of the bank. For example, if you buy 2 million gold, you will lose at least hundreds of thousands.
The reason why the gold shop is so cheap is that the boss wants to earn more.
It is for this reason that many people are reluctant to take it to a gold shop to exchange it.
2. Making jewelry
If pieces of gold bars don't feel safe at home, you can take them directly to the gold shop according to your own conditions, and your own gold bars can be directly processed to make some handles, such as bracelets, earrings, necklaces and rings. So that they will not be wasted, but will be preserved in another way.
But when making jewelry in a gold shop, you must be on the spot to avoid tampering, such as stealing gold bars and reducing weight.
Summary:
This article tells us a truth. If you want to buy gold bars from the bank as a value-added investment method, you must ask the bank what standards it has for gold bar repurchase before buying. When you store gold bars, you must keep them according to the standard, so as to avoid unnecessary trouble in the end.