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

Gold Loan in nayapalli

The district of nayapalli, in bhubneshwar, is one of the most populated localities in odisha state. It consists of a multitude of sub-locations, irc village being the most notable of these. To give meaning to the above, irc village comprises a total of 40 restaurants, 30 schools, 25 pharmacies and 23 atm machines. The spine clinic, usthi hospital & research centre, and dent inn family dental treatment are some of the popular spots located in irc village, nayapalli district. Over the past two decades, bhubaneswar has undergone significant rises in its infrastructure and building programs, nayapalli is one of the districts that has benefited from this wave of growth and technical innovation. People who are interested in getting an gold loan in nayapalli need not fear, the district's excellent banking system, with its atms, will ensure you get the facilities you want.
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Gold Loans at the privacy of your home

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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.

Documents required for an online gold loan

A gold loan is the perfect solution when a borrower is looking for urgent loans or emergency funds. With the help of an instant gold loan online, the borrower can receive the required funds in less than an hour. The borrower is eligible to get up to 75% of the market value of the pledged gold as the loan amount. Unlike many other sources of funds, an online gold loan requires minimum paperwork before giving the loan approval. The required documents are:

  1. Identity proof – any document such as voter ID, PAN Card, Aadhaar Card, Passport, or driving license can act as the identity proof of the borrower.
  2. Address proof – the same documents as mentioned above, except for voter ID and PAN card can act as the address proof of the borrower.

Some lenders also approve the loan against just the Aadhaar Card of the borrower. The Aadhaar card is the most important document for an Indian, which has all the details regarding name, father’s and mother’s name, address, biometric information, iris scan, etc. Therefore, it can function as the identity proof as well as the address proof.

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Frequently asked questions

Can I avail EMI facility on gold loan?

Yes, you can avail EMI facility on gold loan in cityname. Equated Monthly Installment is the amount that you pay every month to your lender for the loan you have received against your gold. EMI includes both the principal amount and the compound interest. Most of the time while applying for a gold loan online you can use the online gold loan calculator and check the EMI applicable for your loan amount. EMIs are one of the best methods of repayment of the loan. The consistency, as well as the fixed amount in an EMI, makes sure that the borrower doesn’t have to dip into their savings during the course of their gold loan in cityname.

Is a guarantor or introducer required for availing a gold loan? Do I need to open an account with a bank?

For most companies, including Rupeek, a guarantor is not a requirement to avail of a gold loan in cityname. When it comes to secured loans, there is a minimum requirement that the borrower has to meet. This is because the security of the collateral allows the lender to provide several benefits and flexibility to its borrowers. But a bank account is necessary even in the case of a secured loan. This is because a secured loan requires its borrower to hold a bank account to which the loan amount can be disbursed. It is also through this account that the borrower is expected to repay the loan amount.
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