Pajak emas ialah pinjaman tunai dengan emas sebagai cagaran — dapat wang segera tanpa jual emas. Ar-Rahnu ialah sistem Islam berdasarkan prinsip rahn tanpa riba; pajak gadai konvensional pula berlesen di bawah Akta Pawnbrokers 1972 dan mengenakan faedah.

Gold pawning is a cash loan with gold as collateral — get money instantly without selling your gold. Ar-Rahnu is an Islamic system based on the rahn principle with no interest; conventional pawning is licensed under the Pawnbrokers Act 1972 and charges interest.

黄金典当是以黄金作抵押的现金贷款——无需出售即可即时获得现金。伊斯兰当押基于rahn原则且无利息；传统典当根据1972年当商法令持牌并收取利息。

Margin pembiayaan biasanya 70–85% daripada nilai semasa emas. Contoh: emas 916 berat 10g pada RM390/g = nilai RM3,572, pinjaman 80% ≈ RM2,858. Nilai bergantung berat, karat & harga emas semasa.

Financing margin is usually 70–85% of the gold’s current value. Example: 916 gold 10g at RM390/g = RM3,572 value, 80% loan ≈ RM2,858. Value depends on weight, karat & current gold price.

融资额度通常为黄金当前价值的70–85%。例如：916黄金10克每克RM390 = 价值RM3,572，80%贷款≈RM2,858。价值取决于重量、成色及当前金价。

Upah simpan ar-rahnu untuk emas 916 berat 50g biasanya RM22–RM40 sebulan. Pajak konvensional sekitar 0.5–2% sebulan. Tempoh pajak biasanya 1–6 bulan & boleh dilanjutkan.

Ar-rahnu safekeeping for 50g of 916 gold is usually RM22–RM40 monthly. Conventional pawning is around 0.5–2% monthly. Tenure is usually 1–6 months & extendable.

50克916黄金的伊斯兰当押保管费通常每月RM22–RM40。传统典当约每月0.5–2%。期限通常1–6个月且可延长。

Jika tamat tempoh, ada grace period untuk tebus. Jika masih tidak mampu, anda boleh lanjutkan tempoh atau pertimbangkan jual surat pajak kepada pembeli berlesen untuk dapat tunai tanpa bayar balik pinjaman.

After expiry there’s a grace period to redeem. If still unable, you can extend the tenure or consider selling the pawn ticket to a licensed buyer to get cash without repaying the loan.

到期后有宽限期赎回。若仍无力，可延长期限或考虑将当票出售给持牌买家，无需偿还贷款即可获得现金。