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Kolkata
beleghata
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in beleghata

Beleghata is located in the Uttar Constituency of Kolkata Municipal Corporation. It’s a densely populated place with a massive number of people living here. Given the cheap rates of real estate, many middle-class families settled in to satisfy their needs of living in a major city with really low expenses. But recently the picture is changing, as the real estate projects have started to grow, it’s becoming more expensive to live in the area. Its healthcare system is marvellous. The ID Hospital is the main centre of Covid treatment in the state. Small businesses like grocery stores and other small stores do profitable business here. As it is a place with predominantly middle-class residents, financial stability is a little less. People often consider gold loans in Beleghata as a means of an emergency fund.
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We offer the highest per gram rate on our gold loans.

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Gold Loans at the privacy of your home

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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.

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.

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Frequently asked questions

How do I close my loan on gold and release my jewels?

Applying and availing for a loan is as easy as can be. Most of this process occurs online, except for the gold valuation which occurs at your doorstep. However, when it comes to repaying your loan most lenders provide an option called 'Close loan' online. In this particular repayment scheme, the loan closure summary will be displayed on the app in your profile along with the complete details of accrued interest, rebate amount (if applicable), and the final payable amount for your online gold loan. Once the loan account is closed the loan manager will hand over the collateral gold to you. 

What is a gold loan?

A gold loan is a type of collateral-based loan. A collateral-based loan is one that requires the borrower to submit their collateral (in this case, gold) before the lender. This makes their loan secured. The security of the loan also benefits the borrower in many ways, such as:

  1. Lower interest rates
  2. Flexibility in repayment options
  3. Minimal documentation etc.

A secured loan also makes it possible for the lender to disburse more funds. Up to 75% of the market value of the pledged gold can be disbursed in the form of loans. In some cases, the borrower also obtian 90% of the market value of the loans as collateral.

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