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

Gold Loan in mapusa

Mapusa is a commercial cum residential town situated in north Goa, approximately 15 km from the capital city of Panaji. Mapusa was a major business hub in this area in the past. Today, it serves as Bardez Taluka headquarters. The city is situated on National Highway 17, which connects Mumbai with Kochi. Since the town is situated near to many beaches in North Goa, during the peak season, it serves as a base for many visitors. Thanks to the availability of gold loans in Mapusa, many large and small business projects that cater to tourists are emerging in this area. Mapusa Friday Market is a weekly market that every Friday draws a huge crowd of buyers and sellers.

Gold Loans at the privacy of your home

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Benefits of an online gold loan

The benefits a borrower can reap from an online gold loan are boundless! All you need to do to avail an online gold loan is download the lender's app and place a loan request. One of the best features of a gold loan is that this process can be done online entirely without manual intervention provided that is what the borrower prefers. The borrower also has the flexibility to place a call on the lender's customer care number to avail the same if he/she were to feel like they might need assistance with the process. All this happens right from the comforts of your home. Even when it comes to gold valuation, you do not need to venture out with expensive gold in your pocket! The lender assigns a representative that will visit you at a location and time as stipulated by you. While an online gold loan does require a few basic documents, you can also avail a loan with just your Aadhar card! As a borrower, you are eligible to receive up to 75% of the gold you are pledging. If both parties are in agreement with the loan amount, the loan is disbursed to your account within a matter of 10 minutes. What's more, the entire process takes only an hour end-end!

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.

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Frequently asked questions

What are the gold items I can pledge

All gold items which have the required purity i.e, 18 karat to 22 karat can be pledged. It includes gold ornaments such as chains, necklaces, haraams, mangalsutra, rings, bracelets, bangles, earrings, anklets, hip chains, cufflinks, coins, bars etc. However the purity of the gold item is what will determine the loan value. In that case gold bars and coins have higher levels of purity and might fetch higher loan amount. But some of the lenders in the market don't accept gold bars for a gold loan in Goa

How is the interest rate calculated for gold loans?

Different lenders offer different rates for gold loans. The interest that is calculated by the lender, the loan amount, as well as the loan term, differs from lender to lender. The schemes that the lenders offer are also different from each other. There are several schemes that each lender offers, comprising of different combinations of the loan amount, the loan term, and the loan interest. You can know about the various schemes that the lender offers by visiting their sites. It should be after a careful evaluation of the scheme that the lender offers and of your financial health that you should narrow down to a scheme that is best suited to you.
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