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Gold Loan in sangam vihar

Located in the southern part of New Delhi, Sangam Vihar is a residential glade that is environed by greenery on its fringes, especialy forsts. It has been categorised into 11 seperate blocks, out of which one section has beeen bordered by Sainik Farms, Panchsheel, Saket and Pushp Vihar. It earns its illustrious reputation from its intimacy to esteemed educations instituons like IIT Delhi and NIFT. It caters to budding students who would love to avert any additional hassle to make it to their collecge or B-school. Now to add to its glam, it also serves as a good link to corporate sectors, given its close proximity to them. These are just a few reasons of the entire slew to seek for a gold loan in Sangam Vihar, The rest they say is a minitaure version of the city that never sleeps.

Gold Loans at the privacy of your home

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Eligibility criteria for an online gold loan

As far as forms of credit go, online gold loans provide a range of peerless flexibility! Here are some of the basic eligibility criteria that you need to meet if you are looking to avail an online gold loan-

1) Since lenders prefer disbursing loans to borrowers that are domiciled within the same geographic boundaries as theirs, you will have to be of Indian nationality and residing in India to avail a loan.

2) You must be an independent major, that is of the age 18 or above

3) Since, usually, Indian lenders do not approve gold coins or bars, the collateral you are looking to secure your loan with has to be gold in the form of jewelry or ornaments.

4) The jewelry you are looking to pledge must be 18 Karat or above (Karat is the measure of the purity of gold)

It is noteworthy that the loan amount you are eligible to receive is bound to vary from the market gold rate. This is due to the fact that lenders don't go by the current market price and instead arrive at the average gold rate based on the rate from the past 30 days. 

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 my gold safe with Rupeek?

Rupeek’s procedure has been certified by ISO 9011:2015. They have transacted over 25,000 plus loans with the utmost care and safety. Safety and security are top among the primary concerns of Rupeek. They ensure that the asset entrusted with them by the borrowers are put in the utmost safety. For this, they have partnered with some of the most reputed banks across India, such as Karur Vysya Bank, Federal Bank, and ICICI Bank. The ornaments that the borrowers present as collateral are sealed in bags that are GPS sealed while being transported. Safe transportation is ensured by Brinks, the security partner. They are an internationally trusted security service. Upon arrival at the bank branches, they are stores in bank lockers that are guarded round the clock and are monitored by surveillance. From the moment the asset is transferred into the hands of Rupeek, they are 100% insured with New India Assurance. The personal details of the borrowers are also protected using end-to-end encryption. 

What about the tenure of the loan, lock-in period, and prepayment penalties?

The specifics of a loan vary from one lender to another. The loan tenure, prepayment penalties, lock-in period are all subject to change depending on the lender. For instance, at Rupeek the tenure of a loan is on average 12 months. However, the borrower can exercise a great range of flexibility and even choose to repay the loan within a few days as well. Rupeek strives to provide affordable, convenient, and flexible solutions that suit the requirements of every borrower, there is no lock-in period, nor are there any prepayment penalties! 
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