"Gold Loan Eligibility Calculator 2025 – Check Your Eligibility Now!"

 

Gold Loan Eligibility 2025



Gold loan ek aasan aur tezi se milne wala loan hai. Agar aapko paise ki zaroorat hai, to aap apna gold girvi rakh kar loan le sakte hain. 2025 me gold ka rate ₹90,000 per 10 gram chal raha hai, jiska fayda aap utha sakte hain.


Gold Loan-eligibility-calculator-2025

Yahan hum aapko batayenge ki kaun gold loan le sakta hai, kitna loan milega, aur interest rate kya hoga. Saath hi, hum banks aur NBFCs ka comparison bhi karenge.

Gold Loan Kya Hota Hai?

Gold loan ek loan hai jisme aap apna gold bank ya NBFC ke paas girvi rakhte hain. Bank aapko gold ke value ka ek part loan ke roop me de deta hai. Jab aap loan chuka dete hain, to aapka gold aapko wapas mil jata hai.

Tax benefit in Gold Loan


Gold Loan Lene Ke Liye Kya Zaroori Hai?

  1. Age: 18 se 70 saal tak koi bhi gold loan le sakta hai.

  2. Gold Purity-18K to 24K tak ka gold valid hota hai. Gold coins (50 grams tak) bhi eligible hain.

  3. Loan Amount -Aapko gold ke current value ka 75% tak loan mil sakta hai.

  4. Documents - Aadhaar Card, PAN Card, passport size photo and ek Bank A/c chahiye hota hai.

  5. CIBIL Score - CIBIL score 600-650 hona chahiye,  lekin ye ek secured loan hone ke karan low CIBIL score pe bhi loan mil jata hai.

Example-

Agar aapke paas 20 grams ka 22-karat gold hai, to uska value hoga:

20 grams x ₹90,000 (per 10 grams) = ₹1,80,000

Loan amount: ₹1,80,000 x 75% = ₹1,35,000

Aap ₹1,35,000 tak ka  loan le sakte hain.





FAQ (Frequently Asked Questions)


Home loan-vs-personal-loan-2025


Que - Low CIBIL Score par loan mil sakta hai?


Ans -  Haan, gold loan secured hota hai, is karan low CIBIL score par bhi mil jata hai.


Qes - Agar loan repay nahi kiya tob kya hoga?


Ans - Bank ya NBFC aapko notice dega. Agar repayment nahi kiya to aapka gold auction kar diya jata hai.


Que - Prepayment kar sakte hain?


Ans - Haan, aap bina kisi charges ke loan prepay kar sakte hain lakin kuch bank me limit hoti hei ye 3 to 4 month ki  ho sakti hai.


Que -  Loan Kitni Jaldi Milta Hai?


Ans -  Gold loan same day ya 2-3 ghante me mil jata hai.


Que -  Interest Rate Negotiate Kar Sakte Hain?


Ans -  Haan, agar aapka gold high value ka hai to aap lower interest rate negotiate kar sakte hain


Conclusion


Gold loan lena easy hai aur agar aapke paas gold hai to yeh ek acha financial solution ho sakta hai. Aapko bas apne repayment capacity ke hisaab se decision lena chahiye.


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