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

Gold Loan in tati

Tati is a big village in ranchi district block angara, jharkhand. This village definitely takes more land space but on the lower side there are possibilities for development and growth. While the literacy rate is on the increase every year, it is still fairly low. Schedule tribe and schedule caste make up the rest of the population. Job activities in tati are at a low level on the major scale of employment and even higher on the marginal tasks. The bulk of the job. Agricultural operations, producers and workers are active in and around the village. gold loan in tati helps them to lead a better quality of life and migrate to urban areas for enhanced education and jobs. Tati village is also a gram panchayat, which comes under the legislative district of silli assembly & ranchi.

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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

Can I take more than one loan at a time?

Yes, you can take more than one loan against gold at a time. In the case of a secured loan, it is the collateral that determines how much funds the borrower can obtain in the form of a gold loan in Ranchi. If the borrower has further collateral that can be submitted with the lender in exchange for cash, it is possible to do that. By pledging his asset, the borrower can get upto 75% of the market value of the gold as funds. Since a secured loan is secured with an asset of the borrower that can be sold in case of failure of repayment, the lender will not hesitate before sanctioning the loan. 

Is there a processing fee while applying for an online gold loan?

Gold valuation, loan amount, interest rates all factors that vary from lender to lender. One of the important factors to keep in mind while looking to avail a gold loan is the overhead charges that could increase the cost of your loans such as processing fees. Processing fees for gold loans vary from one lender to another and range between 0.20% and 2% of the loan amount. Loans can have high processing fees and other additional charges. Rupeek is dedicated to offering affordable and convenient loan solutions, which is why our processing fees are one of the lowest in the market.
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