Knowledge Centre
Loans Against Bullion and Krugerrands
Understand loan values, market-price movements, repayment and bullion custody.
Questions in this topic
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How does a loan against Krugerrands work?
A loan against Krugerrands is a secured loan in which your coins are held as security while you repay an agreed amount. The lender values the coins on a stated basis linked to the gold…
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Can I borrow against gold or silver bars?
Gold and silver bars can be used as security for a loan where the credit provider accepts them. The lender checks the refiner, weight, fineness, condition and any assay documentation,…
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How much can I borrow against my bullion?
The amount you can borrow against bullion depends on how the lender values the metal, the proportion of that value it lends, its minimum and maximum loan limits and the outcome of the…
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What happens if the gold price changes during my loan?
Under a typical bullion-backed loan, the amount you owe is set by the credit agreement and does not move with the gold price, but the value of the coins or bars held as security does. If…
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Can Knox make a margin call on a bullion-backed loan?
A margin call is a request from a lender for additional security or a part repayment when the value of the collateral falls below an agreed level. Whether anything like this can happen on…
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Can a business borrow against bullion that it owns?
A business may be able to borrow against bullion it owns, where the credit provider lends to businesses and accepts that bullion. The lender will need evidence that the entity owns the…
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Can I use a bullion loan as short-term bridging finance?
A bullion-backed loan can be used to cover a short gap until money you expect arrives, such as the proceeds of a sale, a payment or a refund, provided the credit provider offers a suitable…
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Can I settle a bullion-backed loan early?
Consumers generally have the right under the National Credit Act to settle a credit agreement early, with or without advance notice. The settlement amount usually includes the unpaid…
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Can I extend or roll over my loan?
Whether an asset-backed loan can be extended or rolled over depends on the credit provider's policy and the agreement. An extension is not automatic: it must be agreed in writing before…
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Is Knox registered to provide asset-backed credit?
Credit providers that lend under the National Credit Act must be registered with the National Credit Regulator. Knox Precious Metals (Pty) Ltd is a registered credit provider, NCR…
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This Knowledge Centre gives general information, not financial, tax, legal or insurance advice. Prices, limits, terms and availability are confirmed by Knox before you proceed, and the agreement you sign takes precedence. Where a current figure has not yet been confirmed on this site, we ask you to contact Knox instead of relying on an estimate.
