Tring! by Pegadaian v8.3.1

Tring! is a new way to enjoy Pegadaian services. Faster transactions, easier gold investment, complete with Sharia-compliant services. All available in one practical, safe, and convenient app.

Pawn
Need funds but don't want to leave the house? Pawn from Home is the solution! We'll come and pick up your assets to help meet your financial needs.

✦Minimum Tenor = 120 Days
✦Maximum Tenor = 36 months (Redeemable at any time)
✦Minimum Capital Lease = 1% per 15 Days
✦Maximum Capital Lease = 1.2% per 15 Days
✦Maximum Annual Lease = 28.8% per year

Example:
Loan Amount: IDR 5,000,000
Total Capital Lease (per 15 days)
1.2% x IDR 5,000,000 = IDR 60,000 (per 15 days)
Total Capital Lease Payment: (Term / 15 Days) x Capital Lease (per 15 days)
(120 / 15 days) x 1.2% = 9.6%
IDR 5,000,000 x 9.6% = Rp480,000

Gold Bar Installments
Invest in gold now. Buy 24K Gold Bars in installments, choose your pick-up location. ✦Denomination = 0.5 - 25 grams
✦Down payment = 15%
✦Minimum term = 3 months
✦Maximum term = 36 months
✦Minimum margin = 0.92% per month
✦Maximum margin = 0.92% per month
✦Maximum margin = 11.04% per year

Simulation Example:
Denomination: 10 Grams
Gold Type: Gallery 24
Term: 12 Months
Loan Amount (Example): IDR 9,000,000
Moderate monthly rental fee (flat):
0.92% x Loan Amount
0.92% x IDR 9,000,000
= IDR 82,000
Monthly principal installment:
Loan Amount / Term
= IDR 9,000,000 / 12
= Rp750,000
Total monthly payment:
Principal installment + capital lease
= Rp750,000 + Rp82,000
= Rp832,000

Gold Savings
With Gold Savings, you can invest early and enjoy the convenience of buying, selling, transferring, and printing gold. Plan your future with the Gold Plan feature or use your gold for urgent needs with Gold Savings Pawn.
Open a Gold Savings Account = IDR 10,000
Minimum Gold Savings Purchase = IDR 10,000
Minimum Buyback = 0.01 gram
Customer Service Fee = IDR 30,000 per year

Gold Savings Account Pawn
Minimum Term: 120 Days
Maximum Term: 36 Months*
*Can be redeemed/extended at any time
Minimum Capital Rental: 0.75% per 15 Days
Maximum Capital Rental: 0.75% per 15 Days
Maximum Capital Rental: 18% per Year
Disbursement Administration Fee: IDR 2,000 to IDR 1,000 per year Rp25,000

Gold Savings Pawn Simulation Example:
Loan Amount: Rp5,000,000
Capital Lease (per 15 days): 0.75% x Rp5,000,000 = Rp37,500 (per 15 days)
Total Capital Lease Payment: (Term/15 Days) x Capital Lease (per 15 days)
(120/15 days) x 0.75% = 6%
Rp5,000,000 x 6% = Rp300,000
Total Settlement Payment:
Loan Amount + Total Capital Lease Payment (according to term)
Rp5,000,000 + Rp300,000 = Rp5,300,000

Due Card and Installment Card Features
No more late payment drama! A maturity reminder card is ready to remind you, plus an installment card makes it easy to monitor your installments.

Gold Price Indicator
Want to know if today's gold price is going up or down? Simply check the gold price indicator anytime.

Security
Login is easier, just use your fingerprint or face ID via biometrics.

Other features:
✦Multi Payment: Pay bills and top up your e-wallet right here.
✦Find the nearest branch/outlet so you don't get lost.
✦Transaction history so you don't forget who you are.
✦Articles and education to increase your confidence in investing.
✦Pegadaian Poin.

What's New?
✦Register and activate your account in one step.
✦Open a free account.
✦Automatic account opening process during registration.
✦Use a unique username.
✦Change your phone number and PIN directly through the app.
✦Conventional and Sharia profiles are combined in one app.

Upgrade your account to premium to access all Pegadaian services on Tring! without hassle. Simply prepare your ID card and take a selfie with your best smile.

Caution! Do not share your OTP or personal information (phone number and email address) with anyone to ensure the security of your transactions.

Enjoy safe and convenient transactions with Tring!

For service, suggestions, or technical troubleshooting, contact:

Tel: 1500569
WA Chat: 081324432443
E-mail: customer.care@pegadaian.co.id