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

Gold Loan in north guwahati

North guwahati is a town located in the northern part of guwahati and a major commercial center. Located along the banks of the brahmaputra river, it is renowned for its ancient sites and picturesque picnic spots. In earlier days, when it was under the control of the pala dynasty, north guwahati was the capital of the ancient kingdom of kamarupa. The region is still littered today with mosques, moats, fortifications, bridges and other buildings providing a snapshot into its rich history. Along with these, many industries and factories are housed in the city. Company organizations in north guwahati frequently depend on gold loans to fulfill their cash requirements for business. Here lies the Indian institute of technology guwahati (iitg), one of the country's leading educational institutions. Some of the town's prominent ancient temples are doul govinda temple, dirgheshwari temple, and aswaklanta temple.

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

If you are looking to source immediate funds at short notice, online gold loans are your go-to avenue! The eligibility criteria are relaxed, it requires only minimal documentation, you are eligible for a higher loan amount (though the upper cap is contingent on the value of your gold), you can choose from a range of flexible repayment options, the benefits are endless! The documentation requirement can be split into two parts:

1) Identity Proof- Documents that serve as identity proof include but are not limited to:

* Voter's ID

*PAN Card

*Aadhaar Card

*Passport

*Driving License

2) Address Proof- Documents that serve as identity proof include but are not limited to: 

*Aadhar Card

*Passport

*Driving License

When it comes to gold loans, most lenders allow the borrower the latitude to avail a loan using just the king of all documents- The Aadhaar Card. Since it contains almost all the necessary information including Name, DOB, Name of parents/spouse, Address, Biometric information, and Iris Pattern Scan it acts as an all-rounder when it comes to documentation!

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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 Guwahati. 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 Guwahati.

Why should I take a gold loan with my jewellery?

If you have any short-term goals that need to be financed, you can use the gold jewelry that is lying dormant in your home lockers to encash them, but at the same time reclaiming them as they were. As gold loans are good in a rising market, a lender offering good LTV will get you the most out of your gold jewelry. If the expected appreciation in value is greater than the cost of the loan, it is better to take a loan bearing in mind to keep it short-term and being able to repay the principal. Ideally, you should go for a gold loan in Guwahati if you are looking for emergency funds.
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