Gold Loan Daltonganj

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    Gold Loan Daltonganj

    Gold Loan Daltonganj

    The unexpected health issues or funding the fees of your children, one feels the burden of all these bills. It is hard to do insurance of everything so; the Gold Loan is here to help you in these critical moments of your life. At low-interest rates taking the gold loan to become easy.

    Read More – About Gold Loan

    Gold Loan Daltonganj Interest Rates

    10.70% is the minimum annual rate of interest you can expect on this loan. Also, these loans come up with minimal foreclosure charges ranging from 0-3% of the total loan amount. By using this feature, you can skip the pending Emi’s and their respective interest rate amount. The tenure period starts at six months and can be extended up to 5 years.

    Know More – Gold Loan Interest Rate

    Documentation required for taking Gold Loan

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

    Eligibility for availing Gold Loan Daltonganjgold Loan Daltonganj

    1. Applicant’s Age must be above 18 years and below 65 years
    2. Applicant must be an Indian citizen
    3. Minimum gold must be 10 gm to avail gold loan
    4. Gold must be between 18 carats to 22 carat
    5. Gold Loan Daltonganj can be availed only on a jewelry

    Benefits of taking Gold Loan Daltonganj

    1. Gold Loan Daltonganj is Available also in case of bad credit history or low-income level.
    2. Relatively Lower interest rates- The other advantage of taking a gold loan is that they are available on low-interest rates, is 10.70%  annually in comparison to the personal loans interest rates of 15-26% per annum.
    3. You need to repay only the interest- You have the option to pay just the rate of interest monthly during the tenure period of the entire gold loan, and at the end of tenure, you can spend the whole borrowed amount in a single shot.
    4. 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.
    5. Less processing time- No tedious and lengthy documentation is required in the case of Gold Loan Daltonganj. 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.

    Know More – Gold Loan: Factors to Remember

    Why Gold Loan is the best loaning option?

    1. The borrower gets a flexible repayment structure with a gold loan.
    2. This type of Loan requires less documentation. So it makes the process simple and easy.
    3. The processing time takes for approving the loan is lesser than other types of loans. So it is the best option when you need immediate financial help.
    4. The interest rate charged by the lenders is much lower when compared to any other type of loans.
    5. The applicant of the loan is not required to disclose his income or salary. Non-working individuals can also take up a gold loan.

    Know More – Top Reasons why Gold Loan is the best borrowing option

    Why one should choose the Gold Loan in Daltonganj?

    1. No EMI, Service only interest.
    2. Gold Loan Daltonganj requires Minimal Documentation.
    3. The Loan gets sanctioned in just few minutes.
    4. The money is offered to the customer after a quick evaluation of gold.
    5. Gold Loan Daltonganj is free from the hassle of long paperwork.
    6. Low-interest rates on Gold Loan Daltonganj.

    Know More –  Gold Loan Features and Benefits

    Gold Loan Interest Rates

    Bank Interest Rate
    HDFC Bank Gold Loan 9.9% to 14%
    Axis Bank Gold Loan 10.50% to 16%
    ICICI Bank Gold Loan 10.75% to 16%
    SBI Gold Loan 9.5 % to 13%
    Kotak Gold Loan 11% to 14%
    IIFL Gold Loan 9.24% to 24%
    Muthoot Gold Loan 12% to 24%
    Manappauram Gold Loan 12% to 26%
    PNB Gold Loan 10.05% to 16%
    Canara Bank Gold Loan 9.75 % to 13%
    Andhra Bank Gold Loan 10.70% to 16%

    Pre Calculated EMI Table for Gold Loan

    Rate
    5 Yrs
    4 Yrs
    3 Yrs
    10.50%
    2149
    2560
    3250
    11.00%
    2174
    2584
    3273
    11.50%
    2199
    2608
    3297
    12.00%
    2224
    2633
    3321
    12.50%
    2249
    2658
    3345
    13.00%
    2275
    2682
    3369
    13.50%
    2300
    2707
    3393
    14.00%
    2326
    2732
    3417
    14.50%
    2352
    2757
    3442
    15.00%
    2378
    2783
    3466

    Processing Fees / Prepayment Charges on Gold Loan

    Bank
    Processing Fee
    Prepayment Charges
    HDFC Bank Gold Loan
    0.25% to 1.50%
    2%, Nil foreclosure charges after 3 months
    Axis Bank Gold Loan
    0.50% to 1.50%
    Nil
    ICICI Bank Gold Loan
    0.25% to 1.50%
    2%, Nil foreclosure charges after 9 months
    SBI Gold Loan
    500/- to 0.50%
    Nil
    Kotak Gold Loan
    1% to 2%
    2.25% of fore closure amount if closed 1 month ahead of the tenure.
    IIFL Gold Loan
    Nil
    Nil
    Muthoot Gold Loan
    Nil
    Nil
    Manappauram Gold Loan
    Nil
    Nil
    PNB Gold Loan
    0.70% to 1%
    Nil
    Canara Bank Gold Loan
    1%
    Nil
    Andhra Bank Gold Loan
    Nil
    Nil

    About  Daltonganj:

    Daltonganj is a place in Jharkhand, India. It is a very easy and effortless process to take a gold loan when you will apply through Dialabank. In gold loan, there is no need to mortgage any property as it is a secured loan. so, it is very beneficial for an individual to take the gold loan, all you have to do is to visit www.dialabank.com or call on 9592046860.