It depends on the product. For 1 oz Generic Gold Bullion Coins like the Kangaroo or Nugget that I've used in the example above you might pay a premium of 2-4% over spot for brand new at most decent Bullion Retailers. They just aren't interested in 2nd hand stuff. They don't buy or sell 2nd hand.
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That's a fairly low premium the best I get is junk silver 10% over spot unless its a private seller
Premiums are always higher for silver in percentage terms.