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

Gold Loan in Borjhar

Borjhar sits on guwahati city's western outskirts. Lokpriya gopinath bordoloi international airport, also known as guwahati airport, is well known for housing the locality. It is the primary airport serving India's northeastern area, and was formerly known as borjhar airport. The locality remains linked by frequent bus services to other areas of the area, as well as other local transport modes. Borjhar has many educational institutions, including guwahati architecture college, miles bronson residential school, and borjhar kendriya vidyalaya. Parents also opt for gold loans at borjhar to fund their children's education in these institutions.

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 hassle-free form of instant credit. It owes its popularity to the array of flexible features it comes with. It comes with extremely relaxed eligibility criteria, high loan amounts at low-interest rates! Sounds like the perfect package doesn't it? Well, it gets better. There is no set upper limit on your loan amount. This completely depends on the value of your gold. Ideally, lenders approve up to 75% of the market value of the collateral. However, at times it can even go up to 90%! It is noteworthy that this market value does not refer to the prevailing market price. The lender arrives at the gold valuation by taking an average of the gold gram rate from the past 30 days. The borrower can avail the loan right from the comforts of his/her home by downloading the app and placing a loan request using just the Aadhar card as document proof! A lender appointed representative will then visit the borrower's house for gold valuation and post which the loan amount will be transferred within 10 minutes. The entire process end-end takes only about an hour!

Benefits of an online gold loan

The benefits a borrower can reap from an online gold loan are boundless! All you need to do to avail an online gold loan is download the lender's app and place a loan request. One of the best features of a gold loan is that this process can be done online entirely without manual intervention provided that is what the borrower prefers. The borrower also has the flexibility to place a call on the lender's customer care number to avail the same if he/she were to feel like they might need assistance with the process. All this happens right from the comforts of your home. Even when it comes to gold valuation, you do not need to venture out with expensive gold in your pocket! The lender assigns a representative that will visit you at a location and time as stipulated by you. While an online gold loan does require a few basic documents, you can also avail a loan with just your Aadhar card! As a borrower, you are eligible to receive up to 75% of the gold you are pledging. If both parties are in agreement with the loan amount, the loan is disbursed to your account within a matter of 10 minutes. What's more, the entire process takes only an hour end-end!

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Frequently asked questions

What are the things to keep in mind when taking a gold loan?

As far as urgent funds or emergency loans are concerned, as long as you have the collateral, a gold loan is your best bet. This is because gold loans offer the maximum benefits to the borrowers. The security of the asset that has been pledged with the lender enables the lender to offer many benefits to the borrowers. Since a personal loan or a credit card loan is an unsecured loan, as many benefits are not available to those borrowers. A secured loan has a lower interest rate. They also require much more paperwork than a collateral-bases loan. Further, the borrower will also be expected to have a high credit score – over 700 to get a favorable loan. 

Are banks or NBFCs better for availing gold loan

There is an array of options in the market when it comes to availing credit causing the borrower to be confused regarding where their gold loan in Guwahati can be availed. Firstly, there are both banks and Non-Banking Financial Companies or NBFCs providing gold loans in Guwahati. Banks in general take longer processing time of the loan for credit, CIBIL score verification, offer lower Loan-To-Value ratio and have a strict EMI model. Whereas, in case of NBFCs offer higher LTV but along with it higher interest rates as well. Hence depending upon your short-term or long-term finances, weigh in your options and choose the lender that fits your bill.
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