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Jodhpur
lohawat
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in lohawat

Lohawat, also known as Lohawat Jatahwas, is a small village in Phalodi Tehsil, located at 108 kilometers away from Jodhpur. The village is closely connected to other parts of the city by rail and road. The village has reasonable medical and educational facilities. However, residents borrow money through gold loans in Lohawat to obtain better education and health care out of their town, and sometimes even help them in their professional activities. The people who live here are simple people, and they like the slow lifestyle of small towns. Agriculture and handicrafts are popular in Lohawat.
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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.

Eligibility criteria for an online gold loan

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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Frequently asked questions

Is there a possibility of damage to the ornaments at the time of appraising?

In a country like India, people tend to have a sentimental attachment to their gold. This is because gold gets handed down from generation to generation in the form of ancestral property. For this reason, it is hard to let go of a piece of jewelry, fearing some damage. The borrower might be worried that their property might be stolen/ misplaced or mishandled. At Rupeek, we fully understand how valuable your gold ornaments can be to you. We make sure that your ornaments are dealt with caution and care. The evaluation of your gold will happen right before your eyes, bearing you as a witness to the treatment that the ornaments get. From the moment that your gold gets transferred into the hands of Rupeek, they are 100% insured. 

What are the different gold schemes available at Rupeek?

Rupeek is one of the best online gold loan platforms that makes sure that it provides its borrowers with flexible repayment options so that they do not have to land themselves in trouble over repayment of the loan. Rupeek offers its borrowers with a range of schemes from which the borrower is free to pick that is best suited for them. Rupeek takes into consideration the convenience of the borrower to evade any problems in the future. Three different schemes under each amount are available when opting for a gold loan under Rupeek. It is listed in the table below.

Amount

Interest rate

Less than 2 lakh

The interest rate is at 1.29% at the lowest and 1.69% at the highest.

Between 2 lakh and 5 lakh

The interest rate can range between 0.99% and 1.59%

Between 5 lakh and 20 lakh

The interest rate can be as low as 0.89% and as high as 1.39%

Above 20 lakh

The interest rate falls between 0.89% and 1.39%.

Under each loan amount, Rupeek offers you a range of choices to pick from. They are classified into three:

  1. High-value loan (which has the lowest interest rate)
  2. Max value loan
  3. No tension max value loan (which has the highest interest rate)

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