Gold Loan Una
In simple words, Gold Loan is a financial help provided to a customer by the banks and other nonbanking financial companies. In a gold loan, the customers keep their gold ornaments in banks' locker as a security and get loan amount according to the valuation of the gold ornaments. Bank or another lender also put some interest rate on the provided gold loan. The customer has to pay it decently and in the end, they get back their gold ornaments.
About Gold Loan
In a Gold Loan, the customer pledges his/her gold to the bank as a security and promises to return the loan with interest rate on time. The customer gets back his/her gold ornaments back after the closure of the loan.
Forms of Gold Loan
Gold Jewelry (Weight more than 10 Grams)
Gold Coins (Weigh less than 50 Grams)
Features of Gold Loan Una
- First of all gold loan is very easy to apply.
- The documentation process is very less in a Gold Loan.
- The interest rates are much low than the personal loan.
- The applicant can choose the tenure of the loan according to their convenience.
- Furthermore, the bank/ nonbanking financial company provides a fireproof security to the gold ornaments of the customer.
Gold Loan Una Eligibility
- Minimum Age of the Applicant- 18 Years
- Maximum Age of the Applicant- 70 Years
- Minimum Amount you can take by pledging your Gold Ornaments- INR 18000
- The minimum amount of Gold for your Cash disbursal of INR 18000 is 10 gms
- The purity of the pledged Gold should be between 18 karats to 22 karat
- The gold ornaments against which you are asking for a loan should be owned by the borrower or his/her family members.
Documents Required for Gold Loan
Following Are the Documents required for your Gold Loan
- Identity Proof: Aadhar card/PAN Card/ Driving License/Voter ID Card
- Address Proof: Aadhar card/PAN Card/ Driving License/Voter ID Card/ Ration Card
- For Rental: Rent Agreement on the name of the applicant.
- For Own Property: Address proof such as Aadhar Card
- One copy of PAN Card
- Passport sized colored photographs.
Features of Gold Loan Una
- First of all Gold Loan Una is available online at very attractive and affordable rates of interest.
- After that, the process of application is very easy and simple; anybody can apply for a gold loan in 2 minutes on the mobile.
- Besides that, the interest rates are quite low because the gold loan is considered as a secured loan.
- If you apply through www.dialabank.com then your documents will be picked up from your doorstep.
- The overall process is hassle-free and time-saving.
Gold Loan interest rates usually 1% per month. However, these rates change from time to time. Besides that, the quality and weight of the gold ornaments also pay a major role while deciding the gold loan interest rates. In addition to these, the required loan amount is also a factor while deciding the gold loan interest rates.
Gold Loan Schemes
The Gold Loan is available under three schemes at present.
Steps to Apply
Fill the online application form with the required fields.
For more information call on 9592046860.
Dialabank is India’s first helpline. The company provides proper guidance to the customers for getting a gold loan. Besides that the customers get so many perks if they apply through Dialabank.
Una is a district in Himachal Pradesh. There is no more complexity while getting a gold loan in Una. Moreover the gold loan interest rates are quite low in a gold loan as compared to other loans like personal loan.