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

Gold Loan in ratu

Ratu is a ranchi district development block, in jharkhand, Indian state. Ratu fort is a popular sight-seeing tourist stop located in ratu which is the royal family fort of nagvanshi. Located in the urban jharkhand zone, it is one of the 18 ranchi district blocks. The dark part is that block ratu's analphabetism score is 37%. For a living or working class career, many people depend on agriculture. The current climate does not encourage many educationally based work culture. gold loan in ratu lets people seek new options for jobs and schooling, and allows the coming generations to develop themselves and the city to better prospects.
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Eligibility criteria for an online gold loan

As a secured loan, the online gold loan offers unparalleled convenience, like easy eligibility, minimal documentation, high loan amount, long tenure, flexible repayment options, low rates of interest, and instant loan approval. Because of its simple eligibility criteria, virtually any Indian citizen can avail a gold loan. To avail a gold loan online, your age must be above 18. The purity of the gold you want to mortgage should be 18 Karat and above. The third and the last eligibility criterion is that the gold should be in the form of jewellery or ornaments. Generally, Indian lenders do not accept gold bars or coins for approving the gold loan. To calculate the loan amount, the lender evaluates the quality, weight, and purity of the gold and multiplies it with the previous thirty days' average price of gold. The figure that comes out as a result of the gold evaluation is the loan amount a borrower becomes eligible for.

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

Is it risky to take a gold loan?

Not at all! Gold loans in <cityname> are designed to be one of the most easily affordable forms of credit when you need urgent funds. The ease of application and range of flexibility available when it comes to availing a gold loan in <cityname> is what make sit truly stand out. Since most families are bound to have gold jewelry in some form or the other irrespective of the income status, anybody and everybody can avail it. It is noteworthy that the loan amount and interest rate are subject to change depending on the repayment capacity of the borrower. The lender will ensure that the loan repayment fits well within your debt-income ratio. There is little to no scope of a gold loan becoming risky!

How do I repay the gold loan?

There are several repayment options from which borrowers can pick the one most suited to them. The gold loan in cityname can be repaid as a bullet payment at the end of the loan term, together with the interest amount as well as the principal amount. It can also be paid as EMIs and even as a prepayment. The loan amount can be repaid in the form of cash, cheque, DD, or card. Using Rupeek’s loan repayment portal, the loan amount can be repaid in just three simple steps. You can log in with the OTP sent to the registered phone number. The gold loan repayment can then be completed from your profile.
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