About Gold Loan
You have too many bills to pay within a given time and your earning is less? If Yes, Then, You have an option to avail Gold Loan. This service offers fast cash without any complex documentation. In this service, the applicant has to put gold ornaments in the bank in return of the loan amount.
Why choose Gold Loan in Habra?
- First of all, Less processing charges.
- Secondly, the applicant does not have to pay any hidden charges.
- Thirdly, Fast Loan disbursal.
- Next, the applicant's credit history does not matter.
- Furthermore, No co-signer needed.
- Moreover, Prepayment facility is quite good.
- Also, the applicant can easily close the loan before the loan tenure.
Interest Rate of Gold Loan Habra
- First of all, The Gold Loan Interest Rate starts at 10.5%-12% p.a.
- Secondly, The financial organizations provide these loans for 1 to 4 years.
- Thirdly, The pre-closure charges are in between 0% to 2% of the value of the loans.
Features of Gold Loan Habra
Following are the Features of Gold Loan Habra
- To begin, the loan amount that an applicant can avail can go up to 1 Crore or 70% of the value of gold.
- Secondly, You get 100% Safety & Security of your Gold Jewellery / Bars.
- Also, Get your loan processed in 30 minutes.
- In addition, Enjoy Anytime Liquidity.
- Importantly, Lower Gold Loan Interest Rates.
- Furthermore, Simple documentation and fast processing.
- Finally, Overdraft limit varies depending on the market rate of gold.
- That is, The interest rate is payable the only amount of the overdraft that you use.
Documents for Gold Loan Habra
- Identity Proof (Aadhar Card/ PAN Card/Passport Copy/ Voters ID card/ Driving License).
- Proof of Address (Aadhar Card/ Pan Card/ Tel, Electricity. Bill/ Rental Agr. / Passport copy/ Trade license /Shop & Est. License/Sales Tax certificate)/ Ration card.
- Signature Verification Proof (Banker's verification/cheque/Passport Copy).
- Two passport size colored photographs.
Advantages of Taking a Gold Loan Habra
Following are Best Advantages of Gold Loan Habra
No income and salary criteria- In this service, the applicant's salary is not an issue for a loan disbursal. So, even if you are unemployed or unsalaried, you can still avail of a gold loan. Because the asset is kept as collateral.
Lower interest rates- Another advantage of this service is that they are available on low-interest rates. Gold Loan Interest Rate starts at 12-16% annually in comparison to the personal loans interest rates of 15-26% per annum.
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 spend the whole borrowed amount in a single shot.
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.
Less processing time- Furthermore, the loan disbursal takes very less time if the applicant fulfills the requirements.
How to Apply?
A person can easily apply online on www.dialabank.com.
You will be assisted by our relationship managers for the entire process. Also, You will be provided with best deals. Finally, there are no charges for this assistance.
The city of Habra is a municipality, telephone exchange and a police station of Barasat Sadar subdivision in North 24 Parganas district in the Indian state of West Bengal. Habra is an administrative subdivision. It is situated on the Jessore Road between Kolkata and the Bangladesh border at Petrapole.
* For any assistance regarding Gold Loan, call us on 600 11 600 or 95920-46860, our trained Relationship Managers will solve all your queries.
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