గోల్డ్ లోన్ కాలిక్యులేటర్

గోల్డ్ లోన్ క్యాలిక్యులేటర్ ఉపయోగించడానికి దశలవారీ గైడ్ క్రింద ఇవ్వబడింది:

• దశ 1: గోల్డ్ లోన్ క్యాలిక్యులేటర్ వెబ్‌సైట్‌ను సందర్శించండి
  
• Step 2: Enter the required values, i.e. gold loan interest rate, loan tenure, weight of gold articles, and repayment option
  
• దశ 3: ఇఎంఐ మొత్తం మరియు ఇతర రుణం వివరాలను తక్షణమే పొందండి

The gold loan eligibility criteria are straightforward. Any Indian citizen between the ages of 21 years to 70 years in possession of 18-22-karat gold jewellery can apply for this loan. Borrowers are not required to maintain a high credit score or an impressive credit history. However, lenders may focus on repayment capacity and documentation before approving the loan.

A gold loan calculator is an online tool that allows prospective borrowers to get a better understanding of their liabilities. Online calculators have different fields, where individuals need to enter information such as net weight of the gold articles, loan amount, interest rate, tenure, and payment method to determine the monthly instalments payable.

Besides EMIs, online gold loan calculators also offer better insight into a particular loan offer through an amortisation schedule. This schedule provides a detailed break-up of the EMIs payable throughout the tenure.

Note: Gold loan calculators are free to use.

గోల్డ్ లోన్ క్యాలిక్యులేటర్ యొక్క ప్రయోజనాలలో ఇవి ఉంటాయి:

• వేగవంతమైన లెక్కింపు: ఇది వేగవంతమైన ఫలితాలను అందిస్తుంది. అవసరమైన విలువలను నమోదు చేసిన తర్వాత, ఇది ఇఎంఐలు మరియు ఇతర రుణం భాగాల గురించి తక్షణమే వివరాలను అందిస్తుంది.
  
• Accurate results: EMIs and total interest payable can be computed manually. However, manual calculations are time-consuming and leave room for errors. With this online gold loan calculator, such issues can be easily avoided. Users get accurate results every time, with any value entered.
  
• Easy to use: It is easy to use and navigate an online gold loan calculator. It has specific fields for entering different loan details including interest rate, the weight of gold jewellery, payment method, and tenure. It then displays the results.
• Financial planning: This calculator also helps with financial planning. Since it provides details about EMIs and interest payments beforehand, users can plan repayments better.

ఇవి కాకుండా, ఈ క్యాలిక్యులేటర్ అందించే కస్టమైజేషన్ సౌకర్యం ఖచ్చితమైన విలువను కనుగొనడానికి సహాయపడుతుంది గోల్డ్ లోన్ ఎటువంటి అవాంతరాలు లేకుండా ఆఫర్.

You must pledge your gold jewellery with a lender, such as a bank or NBFC, in order to apply for a gold loan. Gold loan per gram refers to the amount given as a loan for every gram of gold that is pledged. This amount usually differs from lender to lender.

The gold loan per gram rate changes daily as per market value of one gram gold. This is referred to as LTV or loan-to-value ratio. For example, if the LTV is 70% and the value of the pledged gold is worth Rs. 1 lakh, a borrower will get a loan of Rs. 70,000 Bajaj Finserv offers LTV ratio of 75% on gold loans. Since the gold loan per gram rate today will vary based on market fluctuations, the rate of per gram of gold changes daily. Click here to check today’s gold loan per gram rate at Bajaj Finserv.