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

Gold Loan in Satara Road

In Maharashtra, there is the busiest route named Satara Road, which connects most of the places consisting of trades and commerce along with the Hadapsar employment hub. The bungalows and the villas surround the road beautifully that is being developed by some of the real estate developers by stretching 140 kilometers of that road. High-quality education is transmitted to the students by the educational institutions of this area. Thus, it can be said that Satara Road contains a high literacy rate. This road consists of many hospitals and the health care centers that serve the best services to people in emergencies. This road also has some factories, agencies, and industries named MMR electrics, General Electric and Honeywell. The money movement is found more in this area so people in this area take an instant gold loan in Satara Road.

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

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

In case of default, when will the gold jewellery be auctioned off?

Your gold collateral will be auctioned off after 30 days from the end of the loan term. If the lender has arrived at a situation where he has to auction off the gold, it will only be carried out after informing the borrower. Any requests that the borrower would like to make in that event will be dealt by the lender on a case to case basis. In order to avoid these unfortunate circumstances after sanctioning the loan, the borrower has to make their EMI payment the first priority on their list. Even before entering into a contract with the lender, the borrower has to carefully evaluate the options available for them and come to a conclusion regarding a loan scheme after careful deliberation. The borrower has to consider the weight of the EMIs as well as the personal expenses on his pocket before opting for a scheme.

How to repledge my existing loan?

It is possible for the borrowers to repledge their gold for another loan once their gold loan in Pune comes to an end. They can apply for a fresh loan with the same collateral. This is possible with most lenders, although each lender offers different conditions before the loan can be repledged. With Rupeek, you can repledge your collateral for a fresh loan very easily. All you have to do is get in touch with the customer support team. You can get in touch with the team either online or offline. You can make a call to the customer desk or contact via the Rupeek app. Rupeek will assign a loan manager to you, who will guide you through the process. 
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