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Bangalore
koramangala
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in koramangala

The locality of the Kormangala is highly sought out and is one of the best regions and this region is one of the most expensive areas in the South-Eastern Bangalore. It is situated near the Electronic city and secures the top position in the country's significant-tech startup locations. The migrants also reside here for the job prospects, internships, good education, etc. In today's time, this region is a combination of all sectors like residential, commercial, educational, industrial, etc. It contains people all over and out of India. It also possess some best and famous restaurants, bars, eateries, etc. which proves to be the paradise for the foodies. It even has a better lifestyle and thus requires more money to survive. People take an instant gold loan in Kormangala for their survival and fulfilling their needs.
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 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.

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

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.

Is it risky to take a gold loan?

A gold loan is arguably the easiest and immediate type of loan out there in the market which makes it extremely lucrative to address your financial needs. In circumstances where you need quick money and you do not possess any other assets to pledge, a gold loan can be a useful avenue. However, it is advisable to refrain from taking a gold loan if you believe you will not be able to repay the demanding interest amount along with the principal. Additionally, if the gold prices drop drastically during the tenure of loan some lenders may ask you to pledge more gold or pay up to meet the difference in amount. 
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