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Surat
althan
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Surat
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in althan

The residential locality of Althan is situated in South-western region of Surat, along the Kankra Creek. The place offers various facilities like apartment complexes, villas, public and private hospitals, academic institutions, community parks, shopping centres and eateries. The locality can be easily accessed from other major regions by means of Surat International Airport and Surat Railway Station. The place has a good variety of job opportunities and it's also in proximity to IT parks and industrial zones like Software Technology Parks of India (STPI), GIDC Khatodara and GIDC Pandesara. The people of this region tend to live in a harmonious manner despite their cultural differences. Local groups depend on gold loans in Althan for investing in business ideas.
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We offer the highest per gram rate on our gold loans.

Today’s max loan value/gm () **

Today’s max loan value/gm ()
**

Gold Loans at the privacy of your home

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Eligibility criteria for an online gold loan

Since a gold loan is a secured loan, it offers many benefits that the other sources of funds do not offer. Some of the benefits offered by a gold loan include:

  1. Low rate of interest
  2. Minimal documentation
  3. High loan amount
  4. Flexibility in repayment options
  5. Instant loan approval, etc.

The requirement for eligibility for a gold loan isn’t much. To avail a gold loan, the borrower has to fulfill the below-mentioned criteria:

  1. The borrower shouldn’t be a minor
  2. The mortgage loan should be of 18 karat or above
  3. The gold should be in the form of ornaments or jewelry.

The loan amount is then calculated by the lender by multiplying the quality, purity, and weight of the gold. The lender then multiplies it with the average price of gold for the past thirty days. The resultant amount id the loan amount that the borrower can borrow.

Documents required for an online gold loan

When a borrower needs urgent cash, an online gold loan acts as a blessing. With an online gold loan, you can get up to 75% of the gold's average value as the loan, instantly. Before approving the loan, the lender might ask you to submit a few documents, which the lender uses to determine your eligibility. The first document that you need to submit is an identity proof, like voter ID, PAN Card, Aadhaar Card, Passport, or driving license. The second document you need to submit is an address proof. Except for the PAN and Voter ID, all other documents mentioned above function as the address proof. Many reputed lenders also offer the facility to apply for a gold loan only with the Aadhaar Card. As the Aadhaar card contains all your personal details, like name, date of birth, father's/mother's name, address, and biometric information and iris scan, it functions as both the identity proof as well as the address proof.

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Frequently asked questions

Is it risky to take a gold loan?

Gold loans in <cityname> are the best avenue to source immediate funds, not only in terms of flexibility but also in terms of speed. Under certain circumstances where you need quick money and do not possess the necessary assets that can be pledged as collateral, gold loan can be a useful avenue. However, it is advisable to refrain from taking a gold loan in cityname if you believe you will not be able to repay the demanding interest amount along with the pricipal. Additionally, if the gold prices drop drastically during the tenure of loan you might be required to pledge more gold to make up for the difference in amount. 

What is an LTV?

An LTV abbreviated as Loan-to-Value ratio is a financial term used by the lenders to basically assess the risk before approving a loan to the customer. It determines the relationship between the loan amount to be granted and the value of the asset pledged, in the case of gold loans, the value of the gold ornaments. Lenders can obtain up to 75% of the value of the pledged gold as the loan amount. The gold valuation is done by the lender and the amount that can be obtained can be calculated online, on the web portal of the lender, including Rupeek.
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