Gold Loan Deoghar

Gold Loan is the best option available for the loan seekers at very best interest rates. Several financing authorities are available in market dealing with these Loans. He/she should go for the best deal with the best offer available.

What is Gold Loan?

Gold Loan is the only loan in the market which could be available within 5 to 10 minutes with an ease. In India, several lending institutions, private banks, and credit unions are available that provide Loan against Gold at the low-interest rate.

Benefits

  1. Personalized Service -  Our trained Relationship Managers will understand your requirements and your profile and help you find the most suitable Gold Loan offer.
  2. Rate Comparison - We help you understand the details of all costs involved in taking a Gold Loan and help you find the Cheapest Offer.
  3. Research -  Benefit from our detailed research on all the products from the leading Gold Loan players in the market and make the right choice.
  4. Zero Charges - Dialabank offers personalized service to its customers at zero fees. Use our services to find the right Gold Loan deal at no extra cost.
  5. Unbiased and Transparent Search -  Our objective is to simplify your Gold Loan search and we provide information in an unbiased and transparent manner.

Features of Gold Loan Deoghar

  1. You can avail Loan up to Rs.1 Crore & up to 90% of value for any purpose
  2. You get 100% Safety & Security of your Gold Jewellery / Bars
  3. Get your loan processed in 30 minutes
  4. Enjoy Anytime Liquidity
  5. No EMI, Service only Interest and enjoy the Loan facility
  6. Lower Interest Rates
  7. Simple documentation and fast processing.
  8. Overdraft limit varies depending on the market rate of gold.
  9. The interest rate is payable the only amount of the overdraft that you use

Advantages

  1. No income and salary criteria- Gold loans do not require any qualifications for income or salary of the person. So even if you are unemployed and unsalaried you can still avail of a gold loan. This is because you are pledging a valuable asset, gold in return of the money.
  2. Available also in case of bad credit history or low-income level.
  3. Relatively Lower interest rates- The another advantage of taking a gold loan is that they are available on low-interest rates, say 12-16% annually in comparison to the personal loans interest rates of 15-26% per annum.
  4. You need to repay only the interest- You have the option to pay only the interest during the tenure of the entire gold loan and at the end of tenure, you can pay the entire borrowed amount in a single shot.
  5. Total Convenience- The most convenient of all the loans is a gold loan because in this all you have to do is pledge your gold with a bank or a private finance institute and the work is done. You can get a loan up to 90% of its market value immediately.
  6. Less processing time- No tedious and lengthy documentation is required in case of gold loans, hence it can be resorted to in times of urgent needs. Banks take a few hours in the processing of the gold loan whereas some NBFC’s state that they only take a few minutes for the same task.

 Documents Required for Gold Loan

Borrower Identity

Proof of Identity

Residence Proof

Signature Proof

Two passport size colored photographs

Two passport sizes colored photographs.

 

Ration card/ Tel, Electricity Bill/ Rental bill/ Passport.

Passport Copy/Driving License/Banker's verification/

cheque

 

Additional Documents Required

The banks generally demand the above-given documents. However few banks demand some additional

Land Proof

Demand Promissory Note

Income proof

In the case of Agriculture Loan of more than Rs. 1 lac. The proof is not required for allied agriculture purposes.

Certificate by the Jewel Appraiser (Bank will arrange).

Salary Certificate and Form No.16.

 

 

 

 

 

 

Rate of Interest

Gold loan scheme

Loan Tenure

Rate of Interest

True vale loan

12month

12.05% to 15.05%

Best Rate on Gold Loan

Collateral Required

Loan Tenure

Max Funding

Pre Closure Charges

Gold Jewellery / Gold Bars

6 Months / 12 Months (can be renewed up to 3 Years)

Up to 90% of Gold Value

0 % to 2 % of the outstanding loan amount

Benefits
  1. Gold Loan is an easy and simple way to get instant finance. It is a 30 minutes disbursal product.
  2. Gold Loan is the best Loan to overcome you're immediate as well as short-term needs.
  3. The documentation process for this loan is quite simple.
  4. There are no credit checks needed for this financing
  5.  A person suffering from bad credit score even avail for a gold loan. The interest rate offered in Loan against gold is less compared to other Loan.

How to Apply?

Visit our website www.dialabank.com

About Deoghar 

Deoghar is a district in the state of Jharkhand, India The famous  Baidyanath Temple is located here.