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

Gold Loan in sagarpur

Known for its glam in retail shopping that panders to the variety of travellers stopping along the way, Sagarpur is a locality of residents. Spanning all the way from Delhi Cantonment it is a hotbed of piltical events and also hogs the limelight in context of political salience. It wields a wild variety of real estates that ranges from a cheap shot to expensive ones. In order to grab such lucrative, it is ideal for loan seekers to lock their preferred properties. Given its location on Pankha Road in the South Wester part of Delhi, it is the crux of verdant and commercial residential zones that include the lieeks of Nangal Raya, Janakpurui, Braham Puri Sagarpuri and Dabri. The fact that it sits comffortably in the center of such rich precincts, it also acts as a confleunce of commercialisation, thereby giving rise to the financial needs of an individual which can be taken care of of by gold loan in Sagarpur.
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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

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.

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Frequently asked questions

What happens if the loan amount is not repaid on the due date?

In case a borrower is unable to complete gold loan repayments because of unforeseen circumstances, the borrower will face extra charges with jumping interest rates. The loan manager will also be in touch with you to discuss the issue. If the gold loan in cityname remains unpaid beyond a stipulated date, the gold will be auctioned off. But it is only in rare circumstances that such problems arise. It is to prevent such incidents in the future that the lender provides the borrower with a list of repayment options. This enables the borrower to pick a scheme that can help them manage their EMIs as well as their other personal expenses promptly. 

How long will it take for me to get my gold loan?

Aside from the range of flexibility available, another important feature of a gold loan is the speed at which these loans are approved and disbursed. Once the loan request has been placed, a Rupeek executive will arrive at a location of your preference to verify your KYC documents and value your gold. Once the executive has determined your eligible loan amount, the amount will be credited to your account within 10 minutes! The entire process from the point of submission of the loan application to loan disbursal takes approximately just about an hour! 

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