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

Gold Loan in patparganj

A popular residential locality, Patparganj is located along the borders of Delhi and Ghaziabad in East Delhi. One can easily travel to Noida and Ghaziabad via the Delhi- Meerut Expressway making the locality accessible. Patparganj is well- known as an industrial area. The residential sector houses the Delhi Development Authority Apartment [DDA] Complexes, Cooperative Group Housing Societies [CGHS], and builder floors. A lot of senior official have settled down in this locality. Its proximity to sophisticated residential neighbourhood like Dharma Apartments, Mayur Dhwaj Apartments, and Paradise Apartments has led to this area being the preferrable residential neighbourhood to settle down at. People often avail gold loans in Patparganj to buy gold and use it for investing in residential property.
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We offer the highest per gram rate on our gold loans.

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Gold Loans at the privacy of your home

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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.

Benefits of an online gold loan

An online gold loan offers unparalleled benefits. To avail a gold loan, you need to register yourself as a borrower and mortgage your gold ornaments. The best feature of an online gold loan is that the entire process of the loan application and approval takes place online. Hence, the location of the borrower does not matter. Usually, the lender sends a loan officer to the borrower within half an hour of getting the loan request, who verifies the gold, and gives a quote. On successful verification and subsequent approval, the lender then sends the amount directly to the bank account of the borrower. With an online gold loan, a borrower can get up to 75% of the gold's average market value. As it is a secured loan, the rate of interest is lower than many other types of instant loans. Additionally, a borrower can apply for a gold loan only with the Aadhaar Card.

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Frequently asked questions

Under what cirumstances will my gold loan get rejected?

A secured loan is one of the easiest and hassle-free loans to acquire. It is also one of the most flexible sources of funds that are available to a lender. That is to say that only in extreme cases the loans are likely to be rejected by the lender. The few cases in which the gold loans in cityname will be rejected are as follows:

  1. Insufficient documents. A secured loan only demands very minimal documentation. The only documents that are required for a gold loan in cityname are the address proof and identity proof. If there is something suspicious about these, the lender is likely to reject your loan.
  2. Low credit score. Gold loans in cityname do not consider the credit score of the lender before sanctioning the loan. But if the credit score is too poor to accept, the lender will have no other option but to reject the loan.

3. Gold eligibility. Most lenders only accept gold loans that are in the form of ornaments and whose purity falls between 18 karat and 22 karat

How are gold loans different from other loans like personal or credit card loan?

As far as urgent funds or emergency loans are concerned, as long as you have the collateral, a gold loan is your best bet. This is because gold loans offer the maximum benefits to the borrowers. The security of the asset that has been pledged with the lender enables the lender to offer many benefits to the borrowers. Since a personal loan or a credit card loan is an unsecured loan, as many benefits are not available to those borrowers. A secured loan has a lower interest rate. They also require much more paperwork than a collateral-bases loan. Further, the borrower will also be expected to have a high credit score – over 700 to get a favorable loan. 

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