About Gold Loan

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. The borrower should go for the best deal with the best offer available.

Eligibility Criteria

Loan Amount

Minimum 18k

Maximum depends upon the weight of the gold

Age

Minimum: 18years

Maximum (at loan maturity): 70 years

Citizenship

Indian

Gold requirements

Minimum 10 gram of gold

Employment status

salaried

self-employed 

 

Documents Required for Gold Loan

  1. Proof of Identity: Aadhar Card/Passport Copy/ Voters ID card/ Driving License.
  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:

The banks generally demand the above-given documents. However few banks demand some additional documents, which are mentioned below:

  1. Land Proof: In case of Agriculture Loan of more than Rs. 1 lac. The proof is not required for allied agriculture purposes.
  2. A Demand Promissory Note.
  3. Certificate by the Jewel Appraiser (Bank will arrange).
  4. Income Proof: Salary Certificate and Form No.16.

Following most suitable offer for Gold Loan Dhoraji:

  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 

Following are the Features of Gold Loan Dhoraji:

  1. You can avail Loan up to Rs.1 Crore& up to 80% 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.

 Following are Best Rate offered Gold Loan Dhoraji:

Interest Rates

Starting @ 1% per month

Collateral Required

Gold Jewellery / Gold Bars

Loan Tenure

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

Max Funding

Up to 80% of Gold Value

Pre Closure Charges

0 % to 2 % of the outstanding loan amount

 

Advantages of Taking a Gold Loan Dhoraji

Following are Best Advantages of Gold Loan Dhoraji:

  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. 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.

 Required Documents for Gold Loan Dhoraji

Required the following important Documents for the Gold Loan Dhoraji:

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

About  Dhoraji

Dhoraji is a town in Gujarat. Dhoraji had a population of 80,807. Darbargadh in Dhoraji is located at the highest point in the town. It is approached by Darbari Bari; a beautiful gate adorned with jharokha. Call 9592046860 or visit www.dialabank.com.