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

Gold Loan in dechu

Dechu is a village which is situated at 122 kilometers from Jodhpur. Although the village is almost 30 kilometers from the nearest railway station, Dechu is a popular tourist spot in Jodhpur. It is famous for its luxurious desert camping sites, including the Samsara Dechu Dessert Resort. Many tourists visit Dechu to experience desert life and visit historical sites such as Pokaran Fort, Baba Ramdev Temple and Salim Singh Haveli. Another major thing that attracts tourists to Dechu is the desert safari through the sand dunes. Residents can easily obtain gold loans in Dechu which help them in overcoming their crisis.
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Gold Loans at the privacy of your home

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Documents required for an online gold loan

A gold loan is the perfect solution when a borrower is looking for urgent loans or emergency funds. With the help of an instant gold loan online, the borrower can receive the required funds in less than an hour. The borrower is eligible to get up to 75% of the market value of the pledged gold as the loan amount. Unlike many other sources of funds, an online gold loan requires minimum paperwork before giving the loan approval. The required documents are:

  1. Identity proof – any document such as voter ID, PAN Card, Aadhaar Card, Passport, or driving license can act as the identity proof of the borrower.
  2. Address proof – the same documents as mentioned above, except for voter ID and PAN card can act as the address proof of the borrower.

Some lenders also approve the loan against just the Aadhaar Card of the borrower. The Aadhaar card is the most important document for an Indian, which has all the details regarding name, father’s and mother’s name, address, biometric information, iris scan, etc. Therefore, it can function as the identity proof as well as the address proof.

Eligibility criteria for an online gold loan

As far as forms of credit go, online gold loans provide a range of peerless flexibility! Here are some of the basic eligibility criteria that you need to meet if you are looking to avail an online gold loan-

1) Since lenders prefer disbursing loans to borrowers that are domiciled within the same geographic boundaries as theirs, you will have to be of Indian nationality and residing in India to avail a loan.

2) You must be an independent major, that is of the age 18 or above

3) Since, usually, Indian lenders do not approve gold coins or bars, the collateral you are looking to secure your loan with has to be gold in the form of jewelry or ornaments.

4) The jewelry you are looking to pledge must be 18 Karat or above (Karat is the measure of the purity of gold)

It is noteworthy that the loan amount you are eligible to receive is bound to vary from the market gold rate. This is due to the fact that lenders don't go by the current market price and instead arrive at the average gold rate based on the rate from the past 30 days. 

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Frequently asked questions

Can I avail EMI facility on gold loan?

Yes, you can avail EMI facility on gold loan in cityname. Equated Monthly Installment is the amount that you pay every month to your lender for the loan you have received against your gold. EMI includes both the principal amount and the compound interest. Most of the time while applying for a gold loan online you can use the online gold loan calculator and check the EMI applicable for your loan amount. EMIs are one of the best methods of repayment of the loan. The consistency, as well as the fixed amount in an EMI, makes sure that the borrower doesn’t have to dip into their savings during the course of their gold loan in cityname.

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.
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