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Noida
sector 125 noida
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in sector 125 noida

Sector 125, an area under the Babarpur assembly constituency and North East Delhi parliamentary constituency, runs through the stretch between Noida to Greater Noida Expressway. It is right here that the famous Amity University is established and the nearest metros are Okhla Bird Sanctuary and Botanical Gardens. It is also close to the Tughlaqabaad and Okhla Railway Stations. With such connectivity already enriching the area, it is also around prominent localities like Asian School of Business, Central Library, Source Fuse Technologies and Amity Physiotherapies. Being such a lucrative sight people usually opt for gold loan in Sector 125 as they look at it as a good splurge.
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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

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 are the things to keep in mind when taking a gold loan?

For starters, gold loans come equipped with a variety of benefits as opposed to any other form of credit. The reason lenders can afford to offer so many added benefits to borrowers of gold loans is because of the collateral pledged against the loan. Some of the stark difference between gold loans and other loans are: 

1) Gold loans have much lower interest rates 

2) Gold loans don't require as much documentation as to any other form of credit. Some lenders even approve gold loans with just the Aadhar Card for verification. 

3) Though other forms of credit require you to maintain a stellar credit history, gold loans can still be availed even with a poor credit score.

Is there any maximum and minimum limit for availing gold loan?

If you are looking to avail a high loan amount at low-interest rates, a gold loan would be your best choice. At Rupeek, the minimum and maximum amount that you can avail are as follows:

1) Minimum Loan Amount- The minimum loan amount you can avail is 15,000 Rupees. This implies that the market value of the gold you are pledging needs to be a minimum of 20,000 INR because as per the standard norms set by the industry the borrower is eligible to receive about 75% of the market value of the collateral. In some cases, this can go up to about 90%.

2) Maximum Loan Amount- The maximum loan amount that can be availed is 1.5 crores.

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