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Salem
belur
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In accordance with the respective state government’s directive, we’ve resumed operations in all the cities. However, a few services will remain affected while others will continue as usual. To read about the services or moratorium updates, Click here

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

Gold Loan in belur

Belur is a village located in the district of salem in tamil nadu, south Indian state, and its pin code is 636104. It is located in the district of gangavalli, is part of the constituency of the gangavalli assembly and its constituency of lok sabh is a parliamentary constituency of kallakurichi. The city is located five kilometers from gangavalli, approximately 60 kilometers from headquarters in salem and roughly 300 kilometers from chennai. Some nearby belur villages include goodamalai, krishnapuram, kadambur, paithur and kondayampalli. In and around the belur town, there are several schools and colleges, and government health centers. One of belur's most famous temples is the sri thanthondreeswarar temple, or sri thanthondrieswarar temple. gold loan is readily available in belur.
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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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Benefits of an online gold loan

When you require emergency funds or urgent loans, a gold loan is one of the most flexible and hassle-free loans that you can acquire. A few of the benefits that are exclusive to gold loans are listed below:

  1. Low loan interest rates - the interest rates are less because of the security of the collateral.
  2. Minimal documents – the only documents that the borrower is expected to submit are the address proof and identity proof
  3. High-value loan – up to 75% of the market value of the gold can be obtained as the loan and in some cases, up to 90%.
  4. No upper limit – the amount that you can obtain is determined by the value of the pledged gold.
  5. No requirement of income proof – the borrower can be unemployed or have an irregular income and still get a gold loan.
  6. No requirement of credit history – the borrower can have a poor credit score or CIBIL score and still be eligible for the loan.
  7. Flexibility – a secured loan is more flexible than other sources of income. The borrower has a variety of repayment schemes to choose from.
  8. Speed – the whole transaction, from the loan application to the disbursement of the funds takes place within 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

Does gold loan affect CIBIL?

Yes taking a gold loan will affect your CIBIL credit score depending on how you finish repaying your loan amount at the end of the tenure. The score directly reflects how responsibily you handled the loan payments. Taking a gold loan will influence your CIBIL score positively when you have repaid your loan amount and interests consistently. The lender mark the loan as 'closed' in your credit report which means you have repaid the loan amount entirely, thereby boosting your credibility and increasing chances of availing a loan next time. However if you were irregular in your interest payments or failed to repay the entire loan amount the lender will mark it as 'settled' or 'written off' in the credit report which makes you a defaulter and reduces chances of availing any loan further.

Is there a processing fee while applying for an online gold loan?

Gold valuation, loan amount, interest rates all factors that vary from lender to lender. One of the important factors to keep in mind while looking to avail a gold loan is the overhead charges that could increase the cost of your loans such as processing fees. Processing fees for gold loans vary from one lender to another and range between 0.20% and 2% of the loan amount. Loans can have high processing fees and other additional charges. Rupeek is dedicated to offering affordable and convenient loan solutions, which is why our processing fees are one of the lowest in the market.
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