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Chandigarh
mauli jagran
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in mauli jagran

Mauli JAgran is a locality located in North India's beautiful and well-planned city, Chandigarh. Both basic facilities can be located in and around the area, such as schools, colleges, market areas, parks, and temples. This locality's pin code is 160102. For tourists and locals to stay and explore, the locality enjoys the availability of hotels and restaurants in and around it. Mauli JAgran is well connected by road, and is accessible from and to Chandigarh from other parts. The town still celebrates the inclusion of several homes as well as builders' flats. Gold loan in Mauli JAgran, Chandigarh. is conveniently and readily accessible to its inhabitants.
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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 straightforward secured loan you can avail when you require instant cash. The easy eligibility criteria and high loan amount make a gold loan one of the most popular loans in India. Usually, lenders approve up to 75% of the gold's market value; although at times, the upper limit may go up to 90%. The final amount would depend on the previous thirty days' average gold price and the quality and Karat of the gold. To avail an online gold loan, the borrower has to download the lender's app or call the customer helpline. After this, a loan officer would schedule a meeting and visit the borrower's residence or office and value the gold. Generally, the loan amount gets transferred to the borrower's bank account within ten minutes of loan approval. The total time from loan application to loan approval can be anything from half an hour to an hour.

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

Can I transfer my loan from my existing lender?

Rupeek offers its borrowers with an option to transfer their loan from the existing lender to another lender. A borrower may wish to transfer their loan from one lender to another in the middle of the term. It might be the lower interest rate, higher loan amount, better security of their collateral, or the flexible repayment options that another lender provides that they found attractive. If you wish to transfer your loan, rest assured that the process is not complicated. As soon as the borrower requests for the renewal amount, Rupeek will see to it. If it is to Rupeek that you have transferred your amount, you have your collateral as well as your document in safe hands that also provide one of the best services in the industry. 

Can my gold loan be written off?

Written off' is a term used in the CIBIL credit scorecard which means that one has not repaid the loan amount borrowed over 180 days and the lender has to do away with the outstanding amount to be repaid. This can reflect badly on your credit scorecard and prevent further granting of loans. However in the case of gold loan, the lender/financial institution has the right to auction off your gold ornaments if the borrower is unable to repay three consequetive times or more during the loan tenure. Though the value of used gold is lower in the market, the lender settles the losses incurred for granting loan to that customer with the auctioned money.
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