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

Gold Loan in mohiuddinpur

Mohiuddinpur is a census town in the district of ambedkarnagar, in the uttar pradesh state of india. Mohiuddinpur is a proud town with an average literacy rate of 63% that is higher than the 59.5% national average. The educational spectrum is diverse and offers numerous career opportunities and learning opportunities. Agricultural status is also immense, comprising of farmers, big workers, farm employees, household enterprises and other marginal jobs. gold loan is a much needed help in mohiuddinpur for those who want to dive into the plentiful opportunities. The district residents rely on small-scale enterprises and farm produce to lift their living standards. It also contributes tremendously to the overall economy of the city of meerut and the province, up as it performs well in both education and industry.
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

Is a CIBIL score required for a gold loan?

No, a CIBIL score is not required when availing of a gold loan. The eligibility criteria for a gold loan does not include a credit score or credit check of any sorts - only the KYC documents required for a gold loan should be submitted. When the loan is obtained by pledging an asset of the lender as collateral, the paperwork associated with the transaction is minimal. The only documents that the borrower has to submit before loan approval are their identity proof and their credit score. In some cases, the lender also makes provisions for the borrower to obtain a loan against just their Aadhaar card. On the other hand, in the case of an unsecured loan, the borrower has to submit their CIBIL score as a mark of their financial health.

How does gold loan work?

To take out a loan against gold, you must pledge your gold ornaments to the lender. This gold is valued first, and then a loan amount against the pledged gold is fixed. A self-evaluation can also be done with a gold loan calculator online. Once the loan is disbursed, the borrower will have to complete the repayments within the loan tenure, after which, the collateral is returned to the borrower. An online gold loan is the easiest to procure among all types of sources of funds. It is the ease with which an online gold loan can be procured that makes it the most popular in the market. There are also various benefits that are exclusive to an online gold loan.
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