Gold Loan Dharamkot

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    Gold Loan Dharamkot

    gold loan dharamkotIf you are one of those who in urgent need of cash but do not have any resources to acquire it, then you can consider availing a Gold Loan. It is a scheme that offers monetary support to people and helps them in overcoming the financial crisis. The loan is secured in nature and demands an asset as collateral.

    Why one should choose Gold Loan Dharamkot?

    There are some benefits to getting a gold loan. Some of them are listed below:

    1. Easy repayment schemes
    2. No hidden charges
    3. The Loan gets sanctioned in just a few minutes.
    4. The money is offered to the customer after a quick evaluation of gold.
    5. It is free from the hassle of long paperwork.

    Eligibility Criteria Gold Loan Dharamkot

    Loan Amount

    Minimum 18k

    Maximum depends upon the weight of the gold

    Age

    Minimum: 18 years

    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 Dharamkot

    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 colored 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.

    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

    Features of Gold Loan Dharamkot

    Following are the Features of Gold Loan:

    1. You can avail Loan up to Rs.1 Crore or more & up to 70% of value for any purpose
    2. You get 100% Safety & Security of your Gold Jewellery
    3. Get your Loan processed in less than 30 minutes
    4. Enjoy Anytime Liquidity.
    5.  Lower Interest Rates
    6. Simple documentation and fast processing.
    7. The overdraft limit varies depending on the market rate of gold.
    8. The gold loan interest rate is payable the only amount of the overdraft that you use.

    About Dharamkot:

    Dharamkot is a small hill station in district Kangra of Himachal Pradesh. The place has a beautiful view of Kangra Valley and the Dhauladhar ranges. To get a gold loan in Dharamkot visit www.dialabank.com or call on 9592046860.

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