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Pondicherry
lawspet
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in lawspet

Known for its educational value, the town of Lawpset in Pondicherry hosuses several schools that include the likes of Fatima H. S. S, Sri Sankara Vidyalaya H. S. S, Saint Joseph of Cluny H .S .S apart from the college institutions like Tagore Arts College, Teacher Training Institute, Motilala Nehru Govt. Polytechnic College etc. People in here and those that comes from outside arrives to pursue higher eductaion. Gold loan in Lawspet is a great aid for the native and neighbouring population. Apart from educational facilities this area is also dominated by religious structures, hospitals and public bodies.
Today's maximum loan value/gm **
max LTV

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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 hassle-free form of instant credit. It owes its popularity to the array of flexible features it comes with. It comes with extremely relaxed eligibility criteria, high loan amounts at low-interest rates! Sounds like the perfect package doesn't it? Well, it gets better. There is no set upper limit on your loan amount. This completely depends on the value of your gold. Ideally, lenders approve up to 75% of the market value of the collateral. However, at times it can even go up to 90%! It is noteworthy that this market value does not refer to the prevailing market price. The lender arrives at the gold valuation by taking an average of the gold gram rate from the past 30 days. The borrower can avail the loan right from the comforts of his/her home by downloading the app and placing a loan request using just the Aadhar card as document proof! A lender appointed representative will then visit the borrower's house for gold valuation and post which the loan amount will be transferred within 10 minutes. The entire process end-end takes only about an hour!

Documents required for an online gold loan

When a borrower needs urgent cash, an online gold loan acts as a blessing. With an online gold loan, you can get up to 75% of the gold's average value as the loan, instantly. Before approving the loan, the lender might ask you to submit a few documents, which the lender uses to determine your eligibility. The first document that you need to submit is an identity proof, like voter ID, PAN Card, Aadhaar Card, Passport, or driving license. The second document you need to submit is an address proof. Except for the PAN and Voter ID, all other documents mentioned above function as the address proof. Many reputed lenders also offer the facility to apply for a gold loan only with the Aadhaar Card. As the Aadhaar card contains all your personal details, like name, date of birth, father's/mother's name, address, and biometric information and iris scan, it functions as both the identity proof as well as the address proof.

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Frequently asked questions

What is a gold loan?

A gold loan is a loan in which the borrower offers a certain amount of gold against a loan amount (called loan-to-value or LTV) for a certain period of time. This works like a normal secured loan in which the gold acts as collateral or asset. A secured loan is also known as a collateral-based loan. A secured loan is one of the best sources of funds available in the market, thanks to the flexibilty that it offers. Acquiring a gold loan is a very simple and smooth procedure. Usually, it doesn’t take more than an hour for the funds to get disbursed. Its flexibilty allows the borrower to obtain funds even when they have a poor credit history, if they have an irregular income or even if they are unemployed.

Is it risky to take a gold loan?

Not at all! Gold loans in <cityname> are designed to be one of the most easily affordable forms of credit when you need urgent funds. The ease of application and range of flexibility available when it comes to availing a gold loan in <cityname> is what make sit truly stand out. Since most families are bound to have gold jewelry in some form or the other irrespective of the income status, anybody and everybody can avail it. It is noteworthy that the loan amount and interest rate are subject to change depending on the repayment capacity of the borrower. The lender will ensure that the loan repayment fits well within your debt-income ratio. There is little to no scope of a gold loan becoming risky!
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