sub_locality
Pondicherry
mudaliarpet
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in mudaliarpet

Mudaliarpet is a town in the city suburbs of Pondicherry that accomodates residents with all basic amenities. Given its good source of amenities, it draws a major bul of the population to itself. Gold loans in Mudaliarpet can iron any financial kinks that one may encounter while residing here. people mostly invests in business and infrastucture that can later be developed into hotels, given the fact that it is an important tourist spot. It also connects for tourists coming to this area from the nearby vicinities. Real estate interventions thart include the likes of plots and villas play a significant hand in developing the tourism industry.
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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 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!

Eligibility criteria for an online gold loan

Since a gold loan is a secured loan, it offers many benefits that the other sources of funds do not offer. Some of the benefits offered by a gold loan include:

  1. Low rate of interest
  2. Minimal documentation
  3. High loan amount
  4. Flexibility in repayment options
  5. Instant loan approval, etc.

The requirement for eligibility for a gold loan isn’t much. To avail a gold loan, the borrower has to fulfill the below-mentioned criteria:

  1. The borrower shouldn’t be a minor
  2. The mortgage loan should be of 18 karat or above
  3. The gold should be in the form of ornaments or jewelry.

The loan amount is then calculated by the lender by multiplying the quality, purity, and weight of the gold. The lender then multiplies it with the average price of gold for the past thirty days. The resultant amount id the loan amount that the borrower can borrow.

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Frequently asked questions

Do I need to update the bank in the event of a change in address due to relocation or any other reason?

Yes, it is mandatory for you to inform the lender in the event of you shifting your house or changing your location after the loan has been placed. This is important, since your identity proof is one of the only two mandatory documents you have to submit before you are sanctioned a gold loan in cityname. Besides, since your loan is online, it is an official from the company who will come to your address for further requirements, such as the closing of the loan. The representative from the company may even come to your new address soon after you notify them for security reasons. 

What do I do if the displayed information regarding my gold loan interest is incorrect?

If the information regarding your personal detail or your financial data is displayed incorrectly regarding your gold loan in cityname, you have to take care to take steps to fix the errors promptly. To do this, the borrower should get in touch with the lender immediately and ask for the errors to be rectified immediately. The borrower should be able to produce proofs to back their claim – whether it is regarding your personal details or your financial data. Your KYC documents can act as proof of your personal details and to prove your financial data, you can use the data on the portal. You can see your base scheme interest and post rebate interest amount under the Repay your Loan page, in the case of rebate schemes. The interest calculation for your gold loan in cityname is done automatically, considering your rebate schedule and your repayment history. 

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