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Faridabad

Low Interest Gold Loans in India

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Low Interest Loans

Get a New Gold Loan
flash Instant 30 minuntes
Shift your Existing Gold Loan
save Save ₹37,131*

Gold secured by
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We offer the highest per gram rate on our gold loans.

We offer the highest per gram rate on our gold loans.

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Gold secured by
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lender banks

Gold Loan in Faridabad

Faridabad is one of the largest cities in the NCR region in Northern India. It was named after Shaik Farid, the Mughal emperor who served as the treasurer of emperor Jahangir. He discovered the city and today, Faridabad is known as the crown jewel of Haryana. It is well connected with Gurgaon, Ghaziabad, Delhi and Noida. The eastern side of Faridabad is lined by the river Yamuna, which then flows into mainland UP. It is an industrial hub and is also a big supplier of agriculture to the region. Faridabad is the third fastest growing city in India and is well known for its Henna production, motorcycles, paper factories, refrigerators, steel tubes, tractors, garments and much more. Since it's home to so many businesses, locals here have a huge interest in gold investments. If you’re looking for a gold loan in Faridabad, you will find enough options. Not only are gold loans in Faridabad famous but also tourist destinations such as Anandpur Dam, Nahar Singh Palace, Mughal Bridge, Rose garden, Surajkund, Golf course, and the famous Gymkhana club. It boasts of an excellent vehicular and traffic management system and also has great eateries, street food and restaurants.
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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.

What is an online gold loan?

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.

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Frequently Asked Questions

Is a guarantor or introducer required for availing a gold loan? Do I need to open an account with a bank?

No. Most companies do not require a guarantor or introducer to avail of a gold loan in cityname. However, you will require a bank account in order to get the loan amount deposited and make gold loan repayments. A guarantor is required only in some cases when a borrower obtains an unsecured loan. For most gold loans in cityname, including Rupeek, there is no requirement of a guarantor. A bank account is mandatory, though, as it is to this account that the lender disburses the loan amount and the borrower has to make the gold loan repayment.

How do I repay the gold loan?

Repaying a gold loan is just as easy as applying for one. However, repayment schemes do differ from one lender to another. Certain lenders allow you to make your repayment at the end of your loan tenure, whereas some others require you to pay it in part as EMI. This payment can be made via cash, cheques, DDs, or Cards. Repayments with Rupeek are made as easy as ABC! This can be done either on the payment portal or the app. All you'll have to do is log in using the OTP sent to your registered mobile number, navigate to the payment page, and complete your repayment.

Repaying a gold loan is just as easy as applying for one. However, repayment schemes do differ from one lender to another. Certain lenders allow you to make your repayment at the end of your loan tenure, whereas some others require you to pay it in part as EMI. This payment can be made via cash, cheques, DDs, or Cards. Repayments with Rupeek are made as easy as ABC! This can be done either on the payment portal or the app. All you'll have to do is log in using the OTP sent to your registered mobile number, navigate to the payment page, and complete your repayment.

Can I close the gold loan earlier than intended?

\Yes, it is possible for the lender to close the gold loan in cityname before the end of the term. There are only rare cases when the option of prepayment wouldn’t be available to the borrower and that is if the lender has a lock-in period or if there are some prepayment penalties. Some lenders charge for the prepayment of the loan, called prepayment penalties. This charge can be up to 200 rupees, if you are looking to close your loan account 3 months or 1 month before the lock-in period set upon the lender’s discretion. The penalty charged by the lenders also depend upon your loan amount. Rupeek, on the other hand, does not levy any penalty charges for the preclosure of the loan account.

Can I take a gold loan for my education?

Yes, you can take a gold loan in cityname for your educational purpose. In fact, one of the main reasons why gold loans in ciytname are taken is for educational purposes. A secured loan is one of the easiest and most flexible loans to take. The low-interest rates, the high loan to value ratio, and the flexible repayment schemes available with an online gold loan in cityname makes it one of the best sources of funds. The loan term for a gold loan in cityname can range from 6 months to 12 months. For these reasons, if you are pursuing higher education in India or abroad, a gold loan is one of the best options before you.

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