Gold Loan Interest Rates 2020151 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.
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