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

Gold Loan in thiruvilwamala

Thiruvilwamala is a village that lies in the northern part of Thrissur. The village is situated on the banks of Bharathappuzha river. The village is known for an illustrious temple called Vilwadrinatha Temple which is a shrine that has ben devoted to Lord Rama. The shrine is constituted by deities of Vishnu, Lakshmana, Ganesha, Hanuman, Shiva, Parvathy, Ayappan and Serpent all in a single complex. Other famous temples of this place include Ivor Madom, the Krishna Temple and Kayarampara parakottu kavu Devi temple. Punarjani Guha also quenches the religious thirst of a few spectators. As per Vox Populi, the cave can wash away the sins of the persons. This is also a cultural hub as it brags about countless singers and artists. Gold Loans in Thiruvilwamala has helped a lot of people to attain their goal.
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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 my gold loan be written off?

'Written off' refers to the term which implies that the borrower has not repaid the loan amount borrowed over 180 days ago. In such a case, the lender will have to do away with the outstanding amount that needs to be repaid. It is noteworthy that a 'written off' in your record will reflect poorly on your credit score which will not play out in your favor when you are looking to avail subsequent loans. However, in the case of a gold loan in <cityname>, the lender has the right to auction off your jewelry if you fail to make your repayments three or more consecutive times during the tenure of your loan. Though the value of used gold is lower in the market, the lender settles the losses incurred for granting a loan to that customer with the auctioned money.

Can I avail EMI facility on gold loan?

Yes, you are eligible to leverage an EMI facility on your gold loan. Especially since Rupeek is designed to provide affordable solutions for borrowers from all walks of life, it offers EMI along with monthly reminders if you wish to avail that feature. EMI refers to the payment that you make each month to your lender for the loan you have received against your gold. This EMI component includes both the principal amount coupled along with the compound interest. Most times, while applying for an online gold loan in <cityname> you can simply use the gold loan calculator and check the EMI applicable for your loan amount. 
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