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

Gold Loan in loutolim

Loutolim, or Loutulim, is a thriving South Goa community. Carpeted with green paddy fields, the scenic village is filled with a rich cluster of woodland trees that form a lovely canopy. To one foot, the River Zuari divides the village. Once upon a time, Loutolim was a village of the Saraswat Brahmins who had migrated to northern India. Later, Christianity was introduced to the region by Portuguese colonial authorities. Today, both Hindus and Christians live the village. It remains linked by straight, large roads to Margao, Cortalim, and Ponda. For a peaceful life , people have access to different civic facilities that are required. There is also gold loans in Loutolim available, which makes it easier for people to cover their emergency needs. The Ancestral Goa Theme Park, Miranda House, Casa Alvares, Figueiredo House, and the Salvador do Mundo Church are some of the major attractions in Loutolim.

Gold Loans at the privacy of your home

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What is an online gold loan?

Gold loan is the most flexible and popular source of funds in the Indian financial market. A gold loan is a secured loan, which means that to obtain quick funds or emergency loans, the borrower has to pledge their asset (in this case, their gold) with the lender to obtain funds in return. A secured loan is also known as a collateral-based loan since the funds can be availed only against the asset of the borrower. Gold loans owe its popularity to its attractive features such as:

  1. Low rate of interest
  2. High-value loans
  3. Minimal paperwork
  4. Flexible repayment options
  5. Instant loans etc.

Using a gold loan, the borrower can get up to 75% of the market value of the collateral as the loan amount. In some cases, up to 90% can also be disbursed as the loan. Instant gold loans are so true to their name that the funds get transferred to the borrower’s account within one hour from the loan application.

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 to repledge my existing loan?

Each lender has separate terms and conditions for repledging an existing loan. At Rupeek, if you want to continue an existing gold loan in Goa and repledge the jewels, please contact our customer support team, who will guide you through the process. You can get in touch with the support team of Rupeek online as well as offline. To get the support online, you can contact them through the app or visit the web portal of Rupeek. You can seek assistance offline by calling at the customer care desk. A loan manager will promptly be assigned to you, with whose help you can repledge your exisitng loan.

My payment has failed, what do I do?

If you have applied for an online gold loan, in Goa, the lender will put out reminders before the payment is finally due. In case of an auto-debit setup, if an incorrect amount gets debited it will get reverted to your back within 72 hours or according to your bank guidelines. If the payment mode is NEFT, it may take longer to process the refund. For further assistance, the lender's support team is always at reach. We at Rupeek are only a call away and are always happy to help!
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