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 markets which are dealing with Loans.The borrower should go for the best deal with the best offer available.
Features of Gold Loan Irinjalakuda
Following are the Features of Gold Loan Irinjalakuda:
- You can avail Loan up to Rs.1 Crore & up to 90% of value for any purpose
- You get 100% Safety & Security of your Gold Jewellery / Bars
- Get your loan processed in 30 minutes
- Enjoy Anytime Liquidity
- No EMI, Service only Interest and enjoy the Loan facility
- Lower Interest Rates
- Simple documentation and fast processing.
- Overdraft limit varies depending on the market rate of gold.
- The interest rate is payable the only amount of the overdraft that you use.
Advantages of Taking a Gold Loan Irinjalakuda
Following are Best Advantages of Gold Loan Irinjalakuda:
- 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.
- Available also in case of bad credit history or low-income level.
- 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.
- 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.
- 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: 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.
Find the Best Rate on Gold Loan Irinjalakuda
Following are Best Rate offered Gold Loan Irinjalakuda:
- Interest Rate: Minimum 10.5% p.a.
- Loan Tenure: From 1 to 4 years.
- Pre-closure Charges: 0% to 2% of the outstanding Loan Amount.
Find the Most Suitable Offer for Gold Loan Irinjalakuda
Following most suitable offer for Gold Loan Irinjalakuda:
- Personalized Service: Our trained Relationship Managers will understand your requirements and your profile and help you find the most suitable Gold Loan offer.
- Rate Comparison: We help you understand the details of all costs involved in taking a Gold Loan and help you find the Cheapest Offer.
- Research: Benefit from our detailed research on all the products from the leading Gold Loan players in the market and make the right choice.
- 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.
- Unbiased and Transparent Search: Our objective is to simplify your Gold Loan search and we provide information in an unbiased and transparent manner.
Maximum (at loan maturity): 70 year
Minimum 10 gram of gold
Maximum: No Limit
Required Documents for Gold Loan Irinjalakuda
Required the following important Documents for the Gold Loan Irinjalakuda:
- Identity Proof: Passport Copy/ Voters ID card/ Driving License
- Proof of Address: Ration card/ Tel, Electricity. Bill/ Rental Agr. / Passport copy/ Trade license /Shop & Est. License/Sales Tax certificate
- Signature Verification Proof: Passport Copy/Driving License/Banker's verification/cheque
- 2 passport size photographs.
Additional Documents Required
The banks generally demand the above-given documents. However few banks demand some additional documents which are as follows
- Land Proof: In the case of Agriculture Loan of more than Rs. 1 lac. The proof is not required for allied agriculture purposes.
- Income proof: Salary Certificate and Form No.16.
The City of Irinjalakuda is a municipal city situated of Indian Kerala State in the Thrissur district. It is famous for the Koodalmanikyam Temple that has Bharata as the main deity and also called as Varadanangalude Nadu.
How to Apply
Apply online on www.dialabank.com
Check the eligibility
Call the helpline number 600-11-600 or 95920-46860
Visit the bank
Submit all the documents
Get the loan
We assure you that we will provide you with the lowest interest rate on your gold as compared to others call us 95920-46860 for more details.