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Goa
porvorim

Low Interest Gold Loans in India

Get a New Gold Loan
flashInstant 30 minuntes
Shift your Existing Gold Loan
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Low Interest Loans

Get a New Gold Loan
flash Instant 30 minuntes
Shift your Existing Gold Loan
save Save ₹37,131*

Gold secured by
Trusted Bank Partners

lender banks
max LTV

We offer the highest per gram rate on our gold loans.

We offer the highest per gram rate on our gold loans.

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Gold secured by
Trusted Bank Partners

lender banks

Gold Loan

Goa's de facto executive and legislative capital is Porvorim, aka Parvari. Both the Goa Secretariat and the Goa Legislative Assembly work from the same Porvorim complex. It is an upscale suburban center lying on the Mandovi River's northern shore. The region enjoys smooth connectivity as Porvorim is located on National Highway 66 linking Mumbai to Goa. Housing towers, educational schools , hospitals, and industrial establishments pepper Porvorim. The most common form of loan used by residents is gold loans in Porvorim. Porvorim also houses one of the biggest shopping malls in Goa, Mall De Goa.
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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.

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

Are there any charges levied for late payment of interest?

Yes, lenders usually charge a penalty fee on failure of repayment of the gold loan in cityname. This charge will be added to the next monthly payment. On failure of repayment of the next payment as well, the lender will be forced to hand over the matter to the respective loan managers. They are likely to be harsh with the borrowers to make sure that the repayments are done on time. In order to avoid any such circumstances in the future, the borrower has to take care not to miss out on payments or delay the payments. The EMI payment has to be a priority of the borrower.

How is the interest rate calculated for gold loans?

Different lenders offer different rates for gold loans. The interest that is calculated by the lender, the loan amount, as well as the loan term, differs from lender to lender. The schemes that the lenders offer are also different from each other. There are several schemes that each lender offers, comprising of different combinations of the loan amount, the loan term, and the loan interest. You can know about the various schemes that the lender offers by visiting their sites. It should be after a careful evaluation of the scheme that the lender offers and of your financial health that you should narrow down to a scheme that is best suited to you.

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