Dhakuria is a pretty much populated residential locality that is located in the southern portion of Kolkata. The area has been there from two centuries back. One astonishing thing is that even though there was a rapid wave of modernization that swept this locality during the last decade, but still there are certain buildings that predate 1900. Ballygunge, Jadavpur, Jodhpur Park, and Kasba are the posh localities in the vicinity. SP MMukherjee Road, Raja SC Mullick Road, and Rash Behari Avenue keeps this locality connected with other portions of the city. Sealdah Station is considered to be the main railway hub of Kolkata, and it is connected to this locality through the Dhakuria Railway Station. The closest access point for metro network is the Rabindra Sarovar Metro Station. A major attraction in this region is the Dakshinapan shopping complex for handlooms and handicrafts. The most common category of loans is the gold loan in Dhakuria. A famous medical facility in this region is the Dhakuria AMRI Hospital.
An online gold loan is the most straightforward secured loan you can avail when you require instant cash. The easy eligibility criteria and high loan amount make a gold loan one of the most popular loans in India. Usually, lenders approve up to 75% of the gold's market value; although at times, the upper limit may go up to 90%. The final amount would depend on the previous thirty days' average gold price and the quality and Karat of the gold. To avail an online gold loan, the borrower has to download the lender's app or call the customer helpline. After this, a loan officer would schedule a meeting and visit the borrower's residence or office and value the gold. Generally, the loan amount gets transferred to the borrower's bank account within ten minutes of loan approval. The total time from loan application to loan approval can be anything from half an hour to an hour.
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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