ಗೋಲ್ಡ್ ಲೋನ್ ಹೇಗೆ ಕೆಲಸ ಮಾಡುತ್ತದೆ?
What is gold loan: A gold loan is a type of secured loan, where individuals borrow money by pledging their gold as collateral. The lender determines the loan amount based on the gold's value. It provides quick access to funds without extensive documentation, offering lower interest rates due to the collateral.
Read Also: How to get a quick loan against gold jewellery
A gold loan is a simple and efficient way to meet immediate financial needs by leveraging the value of your gold jewellery or ornaments. The process of obtaining a gold loan is straightforward, with key factors like the gold loan interest rate, and the use of a gold loan calculator playing vital roles.
ನಿಮ್ಮ ಚಿನ್ನದ ಆಭರಣಗಳ ಮೇಲೆ ಲೋನ್ ಪಡೆಯುವುದು ಯಾವುದೇ ಯೋಜಿತವಲ್ಲದ ವೆಚ್ಚವನ್ನು ಪೂರೈಸಲು ಸುಲಭವಾದ ಮಾರ್ಗಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ. ಬಜಾಜ್ ಫಿನ್‌ಸರ್ವ್‌ನಿಂದ ಗೋಲ್ಡ್ ಲೋನ್ ಪಡೆಯಲು, ನೀವು ಆನ್ಲೈನಿನಲ್ಲಿ ಅಪ್ಲೈ ಮಾಡಬಹುದು, ನಾವು ನಿಮಗೆ ಕರೆ ಮಾಡುತ್ತೇವೆ ಮತ್ತು ಮುಂದಿನ ಹಂತಗಳಲ್ಲಿ ನಿಮಗೆ ಮಾರ್ಗದರ್ಶನ ನೀಡುತ್ತೇವೆ ಅಥವಾ ನಿಮ್ಮ ನಗರದಲ್ಲಿನ ಹತ್ತಿರದ ಗೋಲ್ಡ್ ಲೋನ್ ಬ್ರಾಂಚ್‌ಗೆ ಭೇಟಿ ನೀಡಬಹುದು. ಆನ್ಲೈನ್ ಗೋಲ್ಡ್ ಲೋನಿಗೆ ಅಪ್ಲೈ ಮಾಡಲು, ನೀವು ಈ ಕೆಳಗೆ ನಮೂದಿಸಿದ ಹಂತಗಳನ್ನು ಅನುಸರಿಸಬೇಕು:
- ನಮ್ಮ ಆನ್ಲೈನ್ ಅಪ್ಲಿಕೇಶನ್ ಫಾರ್ಮ್ ತೆರೆಯಲು 'ಅಪ್ಲೈ' ಮೇಲೆ ಕ್ಲಿಕ್ ಮಾಡಿ
- Enter your 10-digit mobile number and click on ‘GET OTP’
- Submit the OTP to verify your identity
- Select your state and city to find the branch nearest to you
- Enter your full name and date of birth as per your PAN
- Set up your appointment at our branch
Once done, you will receive a call from our representative to confirm your appointment and guide you on the next steps.
ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿ ದರ ಮತ್ತು ಶುಲ್ಕಗಳು ಯಾವುವು?
ನಾವು ವಾರ್ಷಿಕವಾಗಿ ಕೇವಲ 9.50% ರಿಂದ ಆರಂಭವಾಗುವ ಅತಿ ಕಡಿಮೆ ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿ ದರಗಳಲ್ಲಿ ಲೋನ್ ಒದಗಿಸುತ್ತೇವೆ. ಗೋಲ್ಡ್ ಲೋನ್ ಮೇಲಿನ ಶುಲ್ಕಗಳ ಸಂಪೂರ್ಣ ಪಟ್ಟಿಯನ್ನು ನೋಡಲು, ದಯವಿಟ್ಟು ಗೋಲ್ಡ್ ಲೋನ್ ಫೀಸ್ ಮತ್ತು ಶುಲ್ಕಗಳ ಪುಟಕ್ಕೆ ಭೇಟಿ ನೀಡಿ.
ಗೋಲ್ಡ್ ಲೋನಿಗೆ ಬೇಕಾದ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳು ಯಾವುವು?
ಗೋಲ್ಡ್ ಲೋನ್ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳ ಪಟ್ಟಿಯು ಕೇವಲ ಗುರುತಿನ ಪುರಾವೆ ಮತ್ತು ವಿಳಾಸದ ಪುರಾವೆಗೆ ಸೀಮಿತವಾಗಿದೆ.
ಗೋಲ್ಡ್ ಲೋನಿಗೆ ಅಪ್ಲೈ ಮಾಡಲು ಯಾರು ಅರ್ಹರಾಗಿರುತ್ತಾರೆ?
Gold loan eligibility criteria are easy to meet. You simply need to be an Indian citizen aged between 21 and 70 years. Make sure that your gold jewellery is of 18-22 karat before you complete your gold loan application.
What are the benefits of gold loan?
- Low interest rate: It is important to remember that high-interest rates can lead to a higher repayment amount in the long run. With Bajaj Finance you can get a loan against your 18-22 karat gold jewellery with interest rates starting at just 9.50% p.a.
- High loan amount: Know the current market value of your gold to avoid borrowing more than necessary. Consider the per gram rate of gold, as it determines the amount you can borrow against your gold jewellery.
- Multiple repayment options: Look for lenders offering multiple repayment schedules to suit your financial capabilities. You can choose to pay your loan interest monthly, bi-monthly, quarterly, half-yearly or annually.
- Security measures: We offer free insurance of gold to cover your pledged gold jewellery against theft and misplacement. With our comprehensive security measures to safeguard your pledged gold, your gold jewellery is kept safe in secure vaults with constant surveillance.
- No part-prepayment or foreclosure charges- We do not charge any additional amount for part-prepayment or foreclosure of your gold loan. However, in case you close the loan within 7 days of booking, minimum 7 days interest is charged.
Read Also: How can a gold loan help you start a small business
ಆಗಾಗ ಕೇಳುವ ಪ್ರಶ್ನೆಗಳು
Gold Loan is a versatile financial tool with no end-use restrictions. Whether it is gold loan for emergency, gold loan for farming, or any unforeseen expenses, gold loans can effectively address both planned and unplanned financial needs.
Bajaj Finance offers a gold loan tenure of up to 12-months, giving you the flexibility to prepay or foreclose the loan according to your preferences. You have the option to repay the loan interest on a monthly, bi-monthly, quarterly, half-yearly, or annually.