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

Gold Loan in racecourse

The Race Course is a place in Gujarat on the western side of Vadodara District. It is one of the posh parts of Vadodara 's booming western portion. In the old days, it was the seat of one of the few race courses held by the Maharajas of Vadodara in western India. It also houses Pashabhai Park, which is regarded as one of the city's finest residential areas. The Race Course also provides multiplexes such as Inox and Cinemall with commercial and entertainment opportunities. Westside, Icon, Reliance Patterns, Pantaloons Ltd., with the area 's beauty added to some of the great restaurants. Due to high marketing, gold loans in Race Course is very common.
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Gold Loans at the privacy of your home

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What is an online gold loan?

Gold loan is the most flexible and popular source of funds in the Indian financial market. A gold loan is a secured loan, which means that to obtain quick funds or emergency loans, the borrower has to pledge their asset (in this case, their gold) with the lender to obtain funds in return. A secured loan is also known as a collateral-based loan since the funds can be availed only against the asset of the borrower. Gold loans owe its popularity to its attractive features such as:

  1. Low rate of interest
  2. High-value loans
  3. Minimal paperwork
  4. Flexible repayment options
  5. Instant loans etc.

Using a gold loan, the borrower can get up to 75% of the market value of the collateral as the loan amount. In some cases, up to 90% can also be disbursed as the loan. Instant gold loans are so true to their name that the funds get transferred to the borrower’s account within one hour from the loan application.

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

Does gold loan affect CIBIL?

Yes taking a gold loan will affect your CIBIL credit score depending on how you finish repaying your loan amount at the end of the tenure. The score directly reflects how responsibily you handled the loan payments. Taking a gold loan will influence your CIBIL score positively when you have repaid your loan amount and interests consistently. The lender mark the loan as 'closed' in your credit report which means you have repaid the loan amount entirely, thereby boosting your credibility and increasing chances of availing a loan next time. However if you were irregular in your interest payments or failed to repay the entire loan amount the lender will mark it as 'settled' or 'written off' in the credit report which makes you a defaulter and reduces chances of availing any loan further.

What are the gold items I can pledge

All gold items which have the required purity i.e, 18 karat to 22 karat can be pledged. It includes gold ornaments such as chains, necklaces, haraams, mangalsutra, rings, bracelets, bangles, earrings, anklets, hip chains, cufflinks, coins, bars etc. However the purity of the gold item is what will determine the loan value. In that case gold bars and coins have higher levels of purity and might fetch higher loan amount. But some of the lenders in the market don't accept gold bars for a gold loan in cityname
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