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East Godavari
gangaraju nagar
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in gangaraju nagar

This is the well-developed area that lies just 3km from the beach road under valasapakala panchayat. Much of the residents here are middle-class families, and they're involved in industry and fishing. Super bazaar is established here to have wider ventures to create shops in this city and meet the general needs of the people living in and around this town. Many good educational institutes in this town represent the area children's educational needs. The kakinada beach bridge, the neelakanteswara swamy temple, and the sri dhakshina murty temple are popular places around gangaraju nagar. gold loans in gangaraju nagar allow people to move into new companies and industries. Well-known fertilizer firms such as the nagarjuna fertilizers and chemicals limited (n.f.c.l) are very similar to this township.
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We offer the highest per gram rate on our gold loans.

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Gold Loans at the privacy of your home

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Eligibility criteria for an online gold loan

As a secured loan, the online gold loan offers unparalleled convenience, like easy eligibility, minimal documentation, high loan amount, long tenure, flexible repayment options, low rates of interest, and instant loan approval. Because of its simple eligibility criteria, virtually any Indian citizen can avail a gold loan. To avail a gold loan online, your age must be above 18. The purity of the gold you want to mortgage should be 18 Karat and above. The third and the last eligibility criterion is that the gold should be in the form of jewellery or ornaments. Generally, Indian lenders do not accept gold bars or coins for approving the gold loan. To calculate the loan amount, the lender evaluates the quality, weight, and purity of the gold and multiplies it with the previous thirty days' average price of gold. The figure that comes out as a result of the gold evaluation is the loan amount a borrower becomes eligible for.

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.

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Frequently asked questions

Do online gold companies offer different schemes for different income groups?

No, the schemes are the same with most online gold companies. Any borrower that meets the basic eligibility criteria and minimum age requirement can avail of a gold loan, even if they are currently unemployed. The gold loan schemes vary by loan tenure and amount.and not by income groups. Unlike unsecured sources of funds, loan approval is not given after the evaluation of the borrower’s financial health, in the case of a secured loan. The schemes are the same for all the borrowers irrespective of the income. The schemes are chosen by the borrower, depening on the loan interest rate, loan term, as per their convenience.

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.

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