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

Gold Loan in maradu

Maradu in Kochi, recognised by cultural observances and annual festivals, is a cultural node with a rich artistic value. Maradu is distinct from festivals, congregations, fireworks, native kavadi dance, etc. The place has Christian cultures coexisting in their own rituals, apart from the Hindu communities who participate in the festivals. In a nature-rich area with rivers on the sides, these neighbourhoods flourish entirely, which further attracts residential growth along the way.With many gated communities on the rise, gold loans in Maradu, amongst others, will be a great choice for people looking for home loans.
Today's maximum loan value/gm **
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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?

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!

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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 cityname

How is gold appraisal done at home for online gold loan?

When you want to get a gold loan, the two most important factors that need to be verified and validated are your KYC documents and your collateral asset, which in this case, is the gold. An official from the lending company will be sent to your house to accomplish both the tasks. For the gold valuation, the representative will weigh your gold. It should be taken care that the pledged gold has to be in the form of ornaments and not in the form of coins or bars. The quality of the gold will be appraised before your eyes, through industry-standard tests. Details regarding the gold – such as its weight and price will be uploaded in the company’s system. Once these details are approved by the approval team online, the official will proceed with the rest of the process.

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