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Gurgaon
Sector 26A
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in Sector 26A

Sector 26A falls under the Gurugram Assmebly Constituency and the Gurugram Parliamentary constituency. Being a hub of migrants from the north and northwest parts of India. the residents over here majorly speak Hindi, Punjabi and Rajasthani. Delhi And Sohna are close to Sector 26A. The nearby railway stations are Bijwasan Railway Station and Gurugram Railway Station. Due to an emerging developemental structure, residents mostly apply for the easily available gold loan in Sector 26A.
Today's maximum loan value/gm **
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Gold Loans at the privacy of your home

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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.

What is an online gold loan?

An online gold loan is the most hassle-free form of instant credit. It owes its popularity to the array of flexible features it comes with. It comes with extremely relaxed eligibility criteria, high loan amounts at low-interest rates! Sounds like the perfect package doesn't it? Well, it gets better. There is no set upper limit on your loan amount. This completely depends on the value of your gold. Ideally, lenders approve up to 75% of the market value of the collateral. However, at times it can even go up to 90%! It is noteworthy that this market value does not refer to the prevailing market price. The lender arrives at the gold valuation by taking an average of the gold gram rate from the past 30 days. The borrower can avail the loan right from the comforts of his/her home by downloading the app and placing a loan request using just the Aadhar card as document proof! A lender appointed representative will then visit the borrower's house for gold valuation and post which the loan amount will be transferred within 10 minutes. The entire process end-end takes only about an hour!

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Frequently asked questions

Can I pledge anything other than gold?

No. Most lenders do not accept anything other than a gold pledge as their lending partners accept only gold jewelry. The kind of collateral and the type of it that an online lender accepts also depends on the conditions of its partner banks. Rupeek only deals in gold ornaments and not in the other forms of gold – such as coins or bars because its partner banks only accept ornament. Further, lenders like to specialize in the kind of loan that they offer so that they can provide their customers with the maximum benefits and the best services. 

What payment methods are available for me for online gold loan?

Most lenders provide round-the-clock assistance if borrowers ever need it, to complete their gold loan repayment successfully or to pay their interest through their payment portal on the website or the app. The Rupeek team especially is only a phone call away! But irrespective of the platform you choose to make your payment on, both platforms offer the following modes of repayment:

1) Internet banking 

2) Debit card 

3) UPI 

4) Money transfer using RTGS/IMPS 

5) NEFT

Since all the options require the digital transfer of money, the borrower must have a bank account under his/her name.

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