I believe that many friends will find when buying diamond jewelry that one 
carat diamond is more expensive than two 50 cent diamonds of the same quality, and one
carat diamond is also more expensive than two carat diamonds of the same quality. More than several times, even a 150-point diamond will cost twice as much as a 140-point diamond of the same quality.
Why does this happen? The most important thing is the "carat premium"!
What is carat premium?
In layman's terms, carat premium means that as the weight of a diamond increases, its price increases in a stepwise manner.
The weight of a diamond is closely related to its price. The larger the carat number, the higher the price. However, this price growth is not progressive, but a geometric progression growth.
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Due to people's preference for whole carats, a 1-carat diamond is much more expensive than a 0.99-carat diamond.
For diamonds, generally the price rises significantly when the weight is an integer such as 5 or 10. The increase in carat premium is mainly related to the quality of the diamond. The higher the quality, the greater the carat premium .
Sometimes even if the difference is only 1 point, the price difference is huge.
html The phenomenon of 1 carat premium does not only appear when diamonds are "full carat". In fact, there will be a premium for diamonds when diamonds are 20 minutes, 30 minutes, 40 minutes... 1 carat or less, but the premium will be large when there is no "whole carat".
Sometimes even if the difference is only 1 point, the price difference is huge. For example, the price of a 1-carat diamond is much higher than that of a diamond with 99 points. It can be said that "a slight difference is a thousand miles away."
Generally speaking, the carat level of high-quality diamonds will be obvious. Taking D color LC diamonds as an example, diamonds with a score of 50 to 69 have a premium rate of 51% over diamonds with a score of 46 to 49, and diamonds with a score of 1 carat or above are more expensive than diamonds with a score of 90 or more. The price of diamonds rose by 79%. This shows that the premium of diamonds has a very important relationship with their weight.
Therefore, when buying diamonds, if you buy diamonds whose weight is an integer such as 5 or 10, the price will increase significantly. Why does
generate a carat premium?
htmlThe 1-carat premium actually originated from the practice in the international financial community. In the final analysis, it is because diamonds have the function of mortgage loans.
In European and American banks, diamond mortgage loans are only for diamonds above 1 carat with large certificates, and diamonds below 1 carat do not have this qualification. Therefore, 1 carat has become the watershed in diamond prices. Within and outside this threshold, prices will change dramatically.
How to avoid carat premium?
If you are buying diamond jewelry for wearing, then we can consider avoiding the impact of the carat premium and purchasing diamonds that are not whole fractions.
For example, there is no difference between a 48-point diamond and a 50-point diamond to the naked eye, but the price is much more cost-effective than a 50-point diamond. Obviously, buying a 48-point diamond is more cost-effective.
For example, 30 points, 50 points, and 1 carat are all critical points for diamonds. In terms of wearing effect, diamonds that are usually one or two points below the critical point are similar in size to them to the naked eye, but the price is much cheaper.
Once you learn to choose the right size diamond, you can save yourself a lot of money!
However, if it is used as an investment collection, it is still recommended to buy diamonds with whole fractions, such as 1 carat, 2 carats, etc. Such diamonds have more advantages in value preservation and appreciation.
The difference between a diamond of the same 1 carat and 99 points may be only one point, but the room for appreciation and preservation of value of 1 html and 1 carat is definitely higher than that of 99 points.
