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Gold Loan Akola

Gold is a precious metal which is used in the form of jewelry, ornaments, and other gold items. The demand for gold had risen these days, which in return had spread the trend of taking a Gold Loan. As the financial value of gold is high in the market, this loan is easily available on the amount of gold a person has, even if the person earns a limited salary.

About Akola

Akola is situated in Vidarbha region in Maharashtra state. It is famous for pulses, oil mills, & is also known for cotton production.

Why one should take a Gold loan in Akola?

  1. Minimal Documentation
  2. Easy repayment schemes
  3. The Loan gets sanctioned in just a few minutes
  4. Less interest rate on the female customer
  5. Minimal Documentation
  6. Easy repayment schemes

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.

Gold Loan Eligibility Criteria

  1. The minimum loan amount for taking a gold loan is Rs. 25,000. The maximum loan amount will depend upon the weight of the gold, profile of the customer, etc.
  2. Minimum age of applicant: 21 years
  3. Maximum age of applicant at loan maturity: 65 years
  4. Gold jewelry should be owned by the applicant or any of the family members.

Features of Gold Loan Akola

  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 of Taking a Gold Loan in Akola

  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

  1. Proof of Identity: Passport Copy/ Voters ID card/ Driving License/ Adhaar card/ PAN card.
  2. Address Proof: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate. 
  3. Signature Proof: Passport Copy/Driving License/Banker's verification/cheque.
  4. 2 passport size photographs

Additional Documents Required

  1. The banks generally demand the above-given documents. However few banks demand some additional documents, which are mentioned below:
  2. Land Proof - In case of Agriculture Loan of more than Rs. 1 lakhs, the proof is not required for allied agriculture purposes.
  3. A Demand Promissory Note
  4. Certificate by the Jewel Appraiser (Bank will arrange).
  5. Income Proof: Salary Certificate and Form No.16.

Interest Rate :

Gold Loan Scheme

True value loan

Long Tenure

12 month

Rate of Interest

12.05% to 15.05%

Best Rate on Gold Loan

Collateral Required - Gold Jewelry / Gold Bars

Max Funding - Up to 90% of the Gold value

Pre-closure charges - 0% to 2% of the outstanding loan

How to Apply?

Visit www.dailabank.com

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