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

Gold Loan in Chikamberpur

Located in the Ghaziabad district of Uttar Pradesh, Chikamberpur is a small residential area functioning under the jurisdiction of Chikamberpur post office. The place can be easily accessed from other cities via metro services, which is highly convenient for the working crowd. It is also connected to prominent areas of East Delhi such as Shahadara and Seemapuri. The residents of this region benefit from arrangements like private and public hospitals, educational institutions, apartment complexes and community parks. Small businesses prefer gold loans in Chikamberpur for expanding their trade. Moreover, the people of this locality follow religions like Islam and Hinduism. The political parties such as Aam Aadmi Party and Bharatiya Janata Party have an upper hand in the political scenario of this locality.
Today's maximum loan value/gm **
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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!

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

How do I know if the executive is authentic while applying for an online gold loan?

One of the highlights of availing an online gold loan is that it can be done end-end right from the comforts of your home! Once you have placed your loan request, a Rupeek executive will arrive at your doorstep to value your gold. If need be, you can verify the authenticity of the executive in the following ways:

In-app verification - Once the executive reaches your premises, an OTP will be sent to your number which the executive will then enter on his app to verify the match.

ID Card - The executive will display his identification card issued by Rupeek

ID Proof - On demand, the executive will display a government ID proof 

Is part withdrawal of gold Jewellery allowed post part closure of gold loan?

No, it is not possible to withdraw the gold ornaments that you have pledged after part payment. The gold that you have pledged with the lender is what acts as a security. It is the collateral that guarantees the repayment of the gold loan in cityname by the borrower. It is also this collateral that enables the lender to provide the borrower with various benefits, such as flexibility and lower interest rates. Although part payments are an option for the borrower, the gold ornaments can only be withdrawn after the entire loan amount, which is comprised of both the principal amount and the interest amount have been repaid. It is only after the close of the loan account and after the entire debt has been cleared that the lender will release the gold collateral of the borrower.
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