Consumers often ask, is 50 points more expensive than a 40 point diamond for the same quality? Isn't it 10 points worse? How is 1.5 carats so expensive than 1.0 carats, shouldn't it be 1.5 times? Before answering your questions, you should understand and must understand what a diamond carat premium!

What is the carat premium?

The carat premium of a diamond is naturally related to the weight of the diamond. Everyone knows that diamonds are growing geometrically. One carat is equivalent to 100 points, which is 0.2 grams. In the case of several parameters such as color, clarity, and cut, the diamond will increase in price as the weight increases. Generally speaking, the price of diamonds such as 5, 10 and so on is obviously rising. Even if there is only one point difference, the price of one carat is far higher than 99 points. This is the real "missing, a thousand miles."

钻石

Carat premium

For example, if a 50-point diamond is more than 10,000, then a one-carat diamond of the same quality is not as simple as 20,000. Some guests have spent more than 60,000 to buy a one-carat diamond, so the same quality two-carat diamond will not be more than 120,000 can be bought, there may be 260,000 or more! This is the carat premium of diamonds!

However, the phenomenon of "diamond carat premium" is not only reflected in the above carats? In fact, diamonds have a premium of 20 points, 30 points to below the carat, but there is no premium for the carat. The most important factor in the premium of the carat is related to the quality of the diamond. In general, the carat stairs of high quality diamonds will be obvious.

国际标准圆钻报价表

August 26, 2016 International Standard Round Diamond Quotation Form (0.40-0.49CT)

国际标准圆钻报价表

August 26, 2016 International Standard Round Diamond Quotation Form (0.50-0.69CT)

For example, the difference between the price of 49 points and 50 points (D color VS2 default cut 3EX) is calculated according to the quotation:

The approximate price of 49 points: 30 × 100 × 0.49 × 6.6790 is about 9818 yuan

The approximate price of 50 points: 44 × 100 × 0.50 × 6.6790 is about 14694 yuan

Please refer to the latest diamond offer and RMB exchange rate for specific prices.

Calculating the approximate price of a diamond will generally use the diamond international quotation: "Rapaport Diamond Price List"

Causes

So why is there a carat premium? This stems from the practice of the international financial community, which ultimately comes from the fact that diamonds have the function of a mortgage. In European and American banks, diamond mortgages are only for diamonds with a large certificate of more than one carat. Those below one carat are broken diamonds and do not have this qualification. Therefore, one carat has become a watershed in the price of diamonds. Within this threshold, prices will change dramatically.

How to avoid premium phenomenon

The quality grade of diamonds has a standard and a critical point, and according to this characteristic of the carat premium, we can divide the diamond into two categories: the critical point and the critical point. For example, 30 points, 50 points, and 1 carat are the critical points of diamonds. Diamonds that are usually one or two points lower than the critical point in terms of wearing effect are similar in size to the naked eye, but the price is much cheaper. For example, if you want to buy a diamond about 0.5 carats, then it is more cost-effective to choose a 48-point drill of the same grade.

But if you choose a diamond that is more than one carat and of high quality, we will not recommend it. For example, if you want to buy a 1 carat D-color diamond, we would not recommend you to buy a 0.99 carat because its value will be greatly reduced. In this case, you can raise the budget a bit, or reduce some other parameters such as clarity, fluorescence, etc., so that the diamonds you buy are more cost-effective.

Buying diamonds not only needs to buy, but also the cost-effectiveness to buy. The most important thing is the price/performance ratio. Therefore, it is unusual to know what is the premium of the carat. In the case of constant depreciation of the RMB (the recent exchange rate), the law of the premium of the diamond carat is mastered. Buying diamonds not only avoids inflation but also preserves value!

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