Mi opción......un saludo

el préstamo se obtiene sobre el valor de los objetos o fondos de inversión dados en garantía. Es decir (pide un préstamo sobre tu propio dinero).

Supone dejar un bien mueble en manos del acreedor o de un tercero como garantía del cumplimiento de una obligación (por ejemplo, se pueden pignorar acciones como garantía para la obtención de un préstamo).

http://www.bde.es/clientebanca/infoweb/glosario/glosap.htm
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POSTBANK
Pledge loans
TT Hellenic Postbank offers low-rate loans by pledging items with the following pledge offices:
Loan up to €5,000
6% rate
Charges of 4%
General Information
• Pledged items may include gold jewelry with or without precious stones, silverware and gold or brand watches, hand-wound and automatic. Interested customers must have legal age.
• The assessment of pledged items is made by a TT Hellenic Postbank expert-assessor.
• Loans on a pledge are made for a period of three (3) months, upon application of the interested person. The corresponding loan interest is paid in advance upon signing of the loan.
• Loans granted up to the amount of €5,000 at a 6% rate p.a. Loans are charged with maintenance costs of 4% p.a. on the amount of assessment, plus VAT 19% on costs.
• Prices for gold and silver on which assessments of pledged items are based have been determined as follows:
a) for 24 carat gold, €10,000/ kg, and
b) for silver, €200/ kg.
Procedure
1. Interested customers must procure the items to be pledged to the assessor and sign the relevant application. The applicant’s ID Card and a tax clearance statement are also required.
2. Upon making of the loan, the borrower shall receive a pledge receipt containing
http://www.ttbank.gr/default.asp?langid=2&pageid=27
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CAJA ESPAÑA
Prestamos pignoratícios
Gracias a estos préstamos usted podrá solicitar financiación únicamente con la garantía pignoraticia de alhajas o fondos de inversión.
• Préstamo pignoraticio con garantía de alhajas
• Préstamo pignoraticio con garantía de fondos de inversión
http://www.cajaespana.es/corporativo/nwparticulares/prestamo...

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http://www.navyfcu.org/ebrochures/1217e.pdf