Best Banks for Gold Loan in Jind
Feature
HDFC Bank
SBI
Interest Rate
9.90% onwards
7% onwards
12% onwards
Min Loan Amt
Metro : 25000, Non : 15000
25000
15000
Max Loan Amt
1 Cr
1 Cr
1 Cr
Loan Tenure
3 months to 24 months
9 months to 24 months
Processing Fee
0.25% to 1.50% of the Loan Amt
0.25% to 1.50%
Nil
Pre-closure Charges
2%, Nil foreclosure charges after 3 months
2%, Nil foreclosure charges after 9 months
Nil
Overdraft Facility
Yes
Yes
Yes
Pay Only Interest Facility
Yes
Yes
Yes
Gold Rate Per Gram
3066
3073
3073
Gold Loan Jind Features
Are you looking for financial assistance, a Gold loan might be the right choice for you. It has a low rate of interest as compared to other loan options in the market. It is a simple and hassle-free process, with minimal documentation. It comes under the secured loan as you have to mortgage your Gold for the finances. It is readily available in the market and can be availed at any time.
- There are no hidden charges in gold loans.
- In contrast to services like personal loans, the gold loan has the least gold loan interest rate as banks keep security against the loan.
- If you are eligible and have all the documents, then the gold loan gets quickly approved.
- The applicant’s credit history does not matter as he is mortgaging his gold.
- There is no need for a third person.
- The personal loan is also known as a multipurpose loan. You can use this loan for any purpose. It can be a wedding, vacations, business, medical, or any other personal need.
Gold Loan Jind Interest Rates and Charges
Gold Loan in Jind Documents Required
- 2 passport size photographs.
- Land Proof: In case of Agriculture Loan of more than Rs. 1 lac.
- A Demand Promissory Note.
- Certificate by the Jewel Appraiser (Bank will arrange).
- Income Proof: Salary Certificate and Form No.16
- Proof of Identity: Passport Copy/ Voters ID card/ Driving License/Aadhaar card.
- Address Proof: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
- Signature Proof: Passport Copy/Driving License/Banker’s verification/cheque.
Gold Loan in Jind Eligibility Criteria
- He/she should be a resident of India.
- He/she should of 21 years of age and above.
- He/she should not be more than 60 years of age.
GOLD LOAN @ 0.75%*
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