Karat Color Markings Gold Deposit

( upon pouring of acid)

24K Golden yellow 999.9 no reaction
23K Golden yellow none no reaction
22K Golden yellow 916, 22C no reaction
21K Reddish 875, 21K no reaction
18K yellowish 750, K18 no reaction
16K Pale yellow ORIG no reaction
14K Reddish or yellowish 585, K14 no reaction
12K Reddish or yellowish none reddish
10K Reddish or yellowish 485 reddish
8K Reddish or yellowish 375 reddish
 Gold Deposit
(after washing on the water)
no reaction
no reaction
no reaction
no reaction
no reaction
spotted
turn to reddish brown
traces of gold deposit
disappear but with white traces
completely disappear(presence of milky substance in the water)
 Jewelry when dip into the acid
(the part that was scratched)
no reaction
no reaction
no reaction
no reaction
no reaction
no reaction
no reaction sometimes slightly reddish
no reaction sometimes slightly reddish
became reddish
became reddish
 Other characteristic

99.9% gold, Soft, gold deposit almost invicible, not shiny, presence of gold powder in test stone when scratched.
characteristics of 24k but no markings of 999.9
presence of gold powder in test stone when scratched
mininal presence of gold powder in test stone when scratched

can't recognize between 18k and 14k. Design like paracale and baht is an example

can't recognize between 14k and 10k.

no fishy smell, redness of jewelry will disappear upon wiping, do not turns to black
 Renewal Redemption
3% no advance 3% no advance
Interest Penalty Total Interest Penalty Total
1st month 3% 0% 3% 1st month 3% 0% 3%
2nd month 6% 2% 8% 2nd month 6% 2% 8%
3rd month 9% 4% 13% 3rd month 9% 4% 13%
4th month 12% 6% 18% 4th month 12% 6% 18%
5th month 15% 8% 23% 5th month 15% 8% 23%

3% advance 3% advance
Interest Penalty Total Interest Penalty Total
1st month 3% 0% 3% 1st month 0%
2nd month 6% 2% 8% 2nd month 3% 2% 5%
3rd month 9% 4% 13% 3rd month 6% 4% 10%
4th month 12% 6% 18% 4th month 9% 6% 15%
5th month 15% 8% 23% 5th month 12% 8% 20%

4% no advance 4% no advance
Interest Penalty Total Interest Penalty Total
1st month 4% 0% 4% 1st month 0%
2nd month 8% 2% 10% 2nd month 4% 2% 6%
3rd month 12% 4% 16% 3rd month 8% 4% 12%
4th month 16% 6% 22% 4th month 12% 6% 18%
5th month 20% 8% 28% 5th month 16% 8% 24%

* add P5.00 service charge * add principal

* add P20.00 insurance(Optional) * add P5.00 service charge on no advance
* no service charge on adv. Interest
* add insurance P20.00 (Optional)