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

Gold Loan in Panchavati

Vidya nagar is a town in nashik, about 14 km from the railway station at nashik road. True to its name, numerous educational institutions dot the region in this locality. In this field is situated the h.p.t. arts and the r.y.k. technology college, also known as the hpt college. It is one of the city's reputed colleges that have served since 1924. Smrk college, bhikusa yamasa kshatriya college of commerce (byk college), s.m.r.k.a.k mahila mahavidhyalay, and r. Any of the other well-known institutions situated in and around vidya nagar are h. sapat college of engineering, management studies, and science. Many students use gold loan in vidya nagar to get admitted to and follow their eructation at one of the educational institutions here.
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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

When a borrower needs urgent cash, an online gold loan acts as a blessing. With an online gold loan, you can get up to 75% of the gold's average value as the loan, instantly. Before approving the loan, the lender might ask you to submit a few documents, which the lender uses to determine your eligibility. The first document that you need to submit is an identity proof, like voter ID, PAN Card, Aadhaar Card, Passport, or driving license. The second document you need to submit is an address proof. Except for the PAN and Voter ID, all other documents mentioned above function as the address proof. Many reputed lenders also offer the facility to apply for a gold loan only with the Aadhaar Card. As the Aadhaar card contains all your personal details, like name, date of birth, father's/mother's name, address, and biometric information and iris scan, it functions as both the identity proof as well as the address proof.

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Frequently asked questions

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.

How to repledge my existing loan?

Most lenders adhere to different terms and conditions as per their discretion. Hence, the flexibility to repledge an existing gold loan may or may not be available with all lenders. Rupeek however strives to offers unparalleled features via peerless customer service. Hence, at Rupeek, if you want to continue an existing gold loan in <cityname> and repledge your jewels, you can always contact our customer support team through your profile from the app. Alternately you can also place your request via the customer care number. A loan manager will be assigned to tend to you who will then guide you through the process.
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