Gold Loan Interest Rates 2020288 views
- Go through the Interest Rate and Amount of Gold Loan of the HDFC Gold Loan in Gurgaon.
- See the HDFC Gold Loan Branches in Gurgaon to take a Gold Loan.
- Check the Documents Needed and the Eligibility Criteria for applying for the HDFC Gold Loan in Gurgaon.
Many companies have their headquarters located at Gurgaon and therefore it is a corporate hub of the NCR. Gurgaon has a high standard of living and some people face difficulty while surviving in Gurgaon. So if it is difficult for you to afford luxury in Gurgaon then you must take a personal loan. But it is not easy to get a personal loan because it has strict eligibility criteria and documentation process. Now the only option left is to take a Gold Loan. You must use the gold ornaments or gold coins to borrow the Gold Loan. The HDFC Gold Loan in Gurgaon has helped many individuals during emergencies by giving loans giants the gold. So you must see the details of the Gold Loan from the HDFC Bank.
Table of Contents
Features of HDFC Bank Gold Loan in Gurgaon
|Minimum Loan Amount||₹25000|
|Maximum Loan Amount||Depends on the Maximum Value of the Gold|
|The slab of the Rate of Interest||10.05%-17.95%|
|Minimum Loan Period||3 Months|
|Maximum Loan Period||24 Months|
|Processing Fees for the Loan||1.5% of the Net Loan Amount + Applicable Taxes|
|Valuation of Gold Charges||- ₹250 for the Loan of up to ₹1.5 Lacs|
- ₹500 for the Loan of above ₹1.5 Lacs
|Foreclosure Charges||- 2% of the Outstanding Loan Amount + Applicable Taxes (if closed before 3 months)|
- No Charges if the loan is closed after 3 months
|Processing Fees on Renewal||₹350 + Applicable Taxes|
|Late Payment Fees||2% per annum over and above the applicable interest rate|
Eligibility Criteria in Gurgaon
- Individual must have a minimum age of 18 years in order to take the HDFC Gold Loan.
- Salaried, Self-Employed, Businessmen, Professionals, Pensioners, Students, and Home Makers are eligible to take the Gold Loan.
- 18 Carats gold minimum is needed to apply for a gold loan.
- You must have a regular income so that you will be able to repay the HDFC Gold Loan in the Future.
Current Rate of Interest in Gurgaon of the HDFC Gold Loan
The Rate of Interest on the HDFC Gold Loan in Gurgaon is 10.05% to 17.95% per annum. You have the option to negotiate with the rate of interest with the HDFC bank while you are taking the HDFC Gold Loan.
Documents Required in Gurgaon to Apply for the HDFC Gold Loan
- Passport Size Photo of the Individual.
- A copy of a Valid Passport
- Driving License
- Voter’s ID Card
- PAN Card
- Form 60
- Aadhar Card
- If you want a bullet repayment method then you will have to submit agri-filled occupation documents.
How HDFC Gold Loan Works?
Most of the individuals think that the bank gives the loan equivalent to the value of the gold mortgaged. But actually the bank will never give you the loan equal to the value of the gold. The loan amount will always be less than the gold value. The bank keeps a margin between the loan amount and gold value because the Gold Price sometimes decreases due to the market fluctuations.
The Amount of the Gold Loan is Decided on the Following Basis:-
- Repayment period you have chosen for the gold loan.
- Number of Ornaments you are keeping as security to take the gold loan.
- You are allowed to mortgage a maximum of 10 ornaments only.
- Weight of the gold mortgaged to take the loan whether coins or jewellery with the bank.
- 18, 19, 20, 21, 22, and 24, carats gold are only accepted by the bank.
HDFC Gold Loan Branches in Gurgaon
If you are willing to take the HDFC Gold Loan in Gurgaon then you must apply online or visit the nearest HDFC branch in Gurgaon.
- Vatika Atrium, Block – A Sector – 53 Near Vipul Belmonte Bankhouse Gurgaon-122002 Haryana India
- A – 12 DLF Shopping Mall DLF Qutab Enclave, Phase – 1 Dlf Gurgaon-122002 Haryana
- Vatika Building M G Road Adjacent To Life Style Mall First India Place Gurgaon-122002 Haryana
- VPO Kadarpur sector 63a gurgaon122101 Kadarpur Gurgaon-122101 Haryana India
- SCO – 7, Sector – 31 – 32 A Huda Main Market Near Om Sweets Sector – 31 Gurgaon-122001 Haryana India
- SCO – 15 Sector 14 Gurgaon-122001 Haryana India
- SCO – 34, Dsc Sector -23 A, Gurgaon Behind Hp Petroleum Sector 22 Gurgaon-122017 Haryana India
- B – 1, Enkay Towers Vanijya Kunj Udyog Vihar Phase V Udyog Vihar Gurgaon-122016 Haryana India
- NEAR ORRIS FLATS SEC-85 Gurgaon-122004 Haryana India
- Building No 10, Upper Ground Floor Tower A DLF Cyber City Near Shankar Chowk Gurgaon-122002 Haryana India
- Khandsa Road, Opposite Sector – 10 A Near Dav Public School Gurgaon-122001 Haryana India
- Vatika Business Park Sector – 49 Sohna Road Opposite Vipul Trade Centre Gurgaon-122018 Haryana India
- Shop No – Sg 5 – 6 Dlf Galleria Dlf Phase Iv Charakpur Near Hamilton Court Gurgaon-122002 Haryana India
- GF 01, Tower A Global Business Park M. G. Road Opposite Dronacharya Metro Station Gurgaon-122002 Haryana India
- SCF 79 Sector 14 Near Om Sweets Gurgaon-122001 Haryana India
- SCO – 9, Sector – 15 Part Ii Gurgaon Huda Market Gurgaon-122001 Haryana India
- Bestech Mall, Central Square Upper Ground Floor Opposite Hongkong Bazaar Gurgaon-122002 Haryana India
- SCF-36 HUDA Market Sector 4 Gurgaon-122001 Haryana India
- S – 37, S – 42, Huda Market Gurgaon-122001 Haryana India
- Shop No. 11 Dlf City Court Near Sikandarpur Market Gurgaon-122002 Haryana India
- SCO 321, Sec – 29 Gurgaon-122002 Haryana India
- Shop No. 4 – 8, D – Block, Commercial Shopping Centre Near Nirvana Country Gurgaon-122002 Haryana India
- Vaishali Arcade Commercial Complex, H Blockopp Celebrity Homes Palam Vihar Gurgaon-122017 Haryana India
- 102 – 1St Floor, Green-Wood Plaza Sector -45, Gurgaon Near Unitech Cyber Park Gurgaon-122003 Haryana India
- Shop No. 17&18, The Peach Tree C-Block, Sushant Lok1 Near Gold Souk Gurgaon-122002 Haryana India
- Building No. 9B Ground Floor Cybercity Near Sony Ericsson Building Gurgaon-122001 Haryana India
- 101, 101A First Floor, Qutub Plaza Dlf Phase-1, Gurgaon Above Brista Gurgaon-122002 Haryana India
- Building 386, Ward No. 7, Opp. Anaz Mandi Wazirpur Road, Gurgaon-122506 Haryana India
- Tauru Pautadi Road Bilaspur Chowk – Gurgaon-122413 Haryana India
- 3/ 72 Heli Mandi Tehsil Pataudi – Gurgaon-123504 Haryana India
- Village – Fazalwas Near Pachgaon: Gurgaon -122413 Haryana India
- Vatika India Next Sec 82A Gurgaon-122004 Haryana India
- HDFC Bank Limited, R-1, JMD Megapolis, Sohna Road, Gurgaon, Haryana-122018
- Main Pataudi Road,-Gurgaon road, vill-hayatpur, dist-Gurgaon -122001 Haryana India
- Shop No. 10, Unitech Business Zone Nirvana Country, Sec 50 Gurgaon-122018 Haryana India
- Sector 49-50 Gurgaon-122004 Haryana India
- SHOP NO S1 AND S2, GROUND FLOOR, SS PLAZA, SECTOR-47 Gurgaon-122003 Haryana India
- HDFC Bank Limited, Opp TERI Gram, Near Shiv Mandir, Main Gurgaon – Faridabad Expressway, Village Balola (Baliyawas) Gurgaon-122 003 Haryana India
- SHOP NO 75 Huda Market SECTOR 40 Gurgaon-122002 Haryana India
- Unit No – 24, DT Mega Mall, Golf Course Road, DLF Phase – 1, Gurgaon – 122002, Haryana India
- Shop No. 1B, Ground Floor, Vipul Square Centre, Sushant Lok-1 Gurgaon-122002 Haryana
- Shop no.14-15 &49 Ansal Corporate Plaza Palam vihar Gurgaon-122017
- Unit No 4 Suncity Trade Tower Sector-21 Old Delhi Gurgaon Road -122001 Haryana India
- Village & PO, Binola, Gurgaon-122413 Haryana India
- Village Dharampur p.o Daultabaad Gurgaon 122006 Haryana India
- 114-117, DLF -II, Central Arcade Gurgaon-122002