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Kochi
aluva
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Kochi
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in aluva

Known as Kerala's industrial hub, Aluva is home to a host of the state's major business headquarters. It is the business town of the greater Kochi region where loans of low interest are a regular necessity. Many businessmen here are looking for gold loans in Aluva. Due to its seamless transport connectivity to the key locations across the state, the business hustle in the region is extremely high. Multimodal transport includes air, rail, metro, bus and ferry transport.This is another cause for the excitement of the people of Aluva for travel. The culture here is indigenous and rich, mainly due to the proximity of the river Periyar. There is a strong connexion with the river in many festive observances in the area.
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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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What is an online gold loan?

An online gold loan is the most straightforward secured loan you can avail when you require instant cash. The easy eligibility criteria and high loan amount make a gold loan one of the most popular loans in India. Usually, lenders approve up to 75% of the gold's market value; although at times, the upper limit may go up to 90%. The final amount would depend on the previous thirty days' average gold price and the quality and Karat of the gold. To avail an online gold loan, the borrower has to download the lender's app or call the customer helpline. After this, a loan officer would schedule a meeting and visit the borrower's residence or office and value the gold. Generally, the loan amount gets transferred to the borrower's bank account within ten minutes of loan approval. The total time from loan application to loan approval can be anything from half an hour to an hour.

Documents required for an online gold loan

If you are looking to source immediate funds at short notice, online gold loans are your go-to avenue! The eligibility criteria are relaxed, it requires only minimal documentation, you are eligible for a higher loan amount (though the upper cap is contingent on the value of your gold), you can choose from a range of flexible repayment options, the benefits are endless! The documentation requirement can be split into two parts:

1) Identity Proof- Documents that serve as identity proof include but are not limited to:

* Voter's ID

*PAN Card

*Aadhaar Card

*Passport

*Driving License

2) Address Proof- Documents that serve as identity proof include but are not limited to: 

*Aadhar Card

*Passport

*Driving License

When it comes to gold loans, most lenders allow the borrower the latitude to avail a loan using just the king of all documents- The Aadhaar Card. Since it contains almost all the necessary information including Name, DOB, Name of parents/spouse, Address, Biometric information, and Iris Pattern Scan it acts as an all-rounder when it comes to documentation!

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Frequently asked questions

What are the different gold schemes available at Rupeek?

Rupeek provides one of the highest gold loan amount per gram in the market. It offers one of the lowest loan interest rates of 0.89%. Additionally, the loan terms are one of the longest you can ever find! Borrowers can avail various online schemes depending on your repayment capabilities. This gives the borrowers the latitude to choose whichever scheme suits them best. These schemes are classified into four categories depending on the loan amount.

1) Loans below 2 lakhs

2) Loans between 2 lakhs - 5 lakhs

3) Loans between 5 lakhs -20 lakhs

4) Loans above 20 lakh

It is noteworthy to identify that the loan amount is inversely proportional to the interest rate increases. The schemes available also vary based on the various loan amounts

1) High-Value Loans

2) Max Value Loans

3) No Tension Max Value Loan. 

The loan interest rate ranges between o.898% - 1.69% This is decided based on the loan amount you are looking to borrow.

What about the tenure of the loan, lock-in period, and prepayment penalties?

The factors associated with a loan - such as the loan interest rate, the loan term, the processing charges and the loan amount vary from lender to lender. Different lender offer different schemes to its borrowers. For instance, the average loan term for gold loan at Rupeek is 12 months. But secured loans offer a lot of flexibility in repayment options to its borrowers. To begin with, there are several schemes from which the borrower can pick the option most convenient to them. The borrower can also opt to prepay the loan before the end of the tenure. There are neither any prepayment penalties, nor any lock-in period.
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