Gold loans are affordable financing options that offer competitive interest rates and other associated charges. You must check applicable charges like gold loan processing fees when deciding on a suitable loan offer to assess affordability.
You can use an online Gold Loan Calculator to determine your maximum loan liability to meet per month. Accordingly, you can select a suitable financing option from the available gold loan offers.
ബാധകമായ ഗോൾഡ് ലോൺ പ്രോസസ്സിംഗ് ഫീസ്
Thanks to improved customer-friendly features, gold loan is now available at low to no processing fees. With Bajaj Finserv, it is convenient to secure 0.12% of the loan amount (inclusive of applicable taxes) for a gold loan.
അഡ്വാൻസിൽ ഈടാക്കുന്ന മറ്റ് നിരക്കുകളിൽ ഇവ ഉൾപ്പെടുന്നു:
- സ്റ്റാമ്പ് ഡ്യൂട്ടി നിരക്കുകൾ
- പിഴ പലിശ (ഷെഡ്യൂൾ ചെയ്ത തിരിച്ചടവിൽ കാലതാമസം ഉണ്ടെങ്കിൽ)
- ഓക്ഷൻ നിരക്കുകൾ (പൂർണ്ണമായ തിരിച്ചടവില്ലാത്ത സാഹചര്യത്തിൽ)
However, all these charges are levied at a nominal rate, adding minimal additional financial burden for the borrower.
ഗോൾഡ് ലോണുകളിൽ ഈടാക്കുന്ന പലിശയെക്കുറിച്ച് അറിയുക
In addition to the processing charges, borrowers are also responsible for paying interest on the gold loan amount. The Gold loan interest rate may vary based on factors such as the loan-to-value ratio, tenure, and prevailing market conditions.
As secured advances, gold loans attract low rates of interest as against several unsecured advances availed for the same purpose. With Bajaj Finance, you can avail of financing with a gold loan minimum interest rate starting at 9.50% per annum.
You have the option to repay interest only initially and postpone principal repayment until the end of the gold loan tenure. It allows the flexibility of managing finances as per your repayment capacity.
With Bajaj Finance, you can obtain a high-value gold loan of up to Rs. 2 crore easily, catering to your financial needs. Your valuable gold jewellery is securely stored in state-of-the-art vaults, safeguarded by round-the-clock surveillance. Additionally, you can rely on the appraisal process for your gold jewellery to be precise and transparent. Bajaj Finance has advanced karat metres, ensuring that you receive the optimal loan amount.
As long as you are an Indian citizen aged between 21 and 70, you can easily apply for a Bajaj Finserv Gold Loan. You only need to submit one of the accepted KYC documents, including your Aadhaar Card, voter ID card, driving licence, or passport.