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@swiftloan
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Swift loan provide you a very good offer in Diwali, on hdfc gold loan. If you want a gold loan with cheap interest then hdfc offer you the same thing, all you need to grab the offer.
Visit-
Need an instant loan in Delhi? Apply for a gold loan with swiftloan and get cash in hand within hours. Our easy online application process e
Swift loan provide you a very good offer in Diwali, on hdfc gold loan. If you want a gold loan with cheap interest then hdfc offer you the same thing, all you need to grab the offer.
Visit-
Need an instant loan in Delhi? Apply for a gold loan with swiftloan and get cash in hand within hours. Our easy online application process e
Swift loan provide you a very good offer in Diwali, on hdfc gold loan. If you want a gold loan with cheap interest then hdfc offer you the same thing, all you need to grab the offer.
Visit-
Need an instant loan in Delhi? Apply for a gold loan with swiftloan and get cash in hand within hours. Our easy online application process e
Swift loan provide you a very good offer in Diwali, on hdfc gold loan. If you want a gold loan with cheap interest then hdfc offer you the same thing, all you need to grab the offer.
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Need an instant loan in Delhi? Apply for a gold loan with swiftloan and get cash in hand within hours. Our easy online application process e
Swift Loan Gold Loan is a quick and hassle-free financial solution that allows individuals to leverage the value of their gold assets for immediate cash needs.
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Need an instant loan in Delhi? Apply for a gold loan with swiftloan and get cash in hand within hours. Our easy online application process e
Swiftloan, in partnership with HDFC Bank, offers a seamless and efficient way to access gold loans. Leveraging the trust and reliability of HDFC Bank, Swiftloan provides a convenient platform for individuals and businesses to unlock the value of their gold assets.
Best gold loan at affordable interest rate
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All About HDFC Gold Loan Eligibility and How it Can Help You
HDFC bank gold loan is a form of loan offered by HDFC Bank. It is a type of loan in which people can use their gold jewellery as security to obtain a loan from a bank. The amount of the loan is calculated using the value of the gold given. Before selecting how much money to lend, the bank assesses the purity and value of the gold. These loans provide various repayment choices, allowing borrowers to select a repayment schedule that works for them. When compared to other types of loans, the HDFC gold loan interest rates are generally lower. HDFC Bank strives to process these loans swiftly, and once the gold's worth is determined, the loan amount is instantly disbursed
To apply for the loan, you must bring your gold jewellery to an HDFC Bank gold loan branch or an executive will come to your home for review. The loan amount is determined by the bank depending on the value of the gold. You have to provide the relevant documentation to verify your identity and residence. Once approved, the loan amount is disbursed to you, and you can pick how the funds are delivered to you.
What are the Eligibility Criteria for Applying for an HDFC Gold Loan?
You must be at least 18 years old to apply for a gold loan from HDFC Bank and you are eligible till the age of 65 years.
You must own the gold that you want to give as security. This includes gold jewellery. In the form of gold between 18 to 24 Carats.
Value of gold must be around 25000 in urban areas and 10000 in rural areas.
HDFC bank Gold Loan involves the loan repayment tenure. Generally Gold Loans are offered for minimum and maximum tenures of 6 and 24 months respectively, and you should be able to repay the loan within this tenure.
You will be required to provide necessary identification and address proof documents as per the bank's requirements. It includes documents like PAN card, Aadhaar card, passport, voter ID, driving licence, utility bills, etc.
Another eligibility of HDFC bank gold loan is your occupation. You can be a salaried professional, a self-employed individual, a business owner, an entrepreneur, a student, a senior citizen, a pensioner, or a homemaker to be eligible for the loan.
Benefits of Taking a HDFC Gold Loan
By pledging your gold jewellery or coins, you can obtain a HDFC bank Gold Loan. The gold acts as collateral with the bank until the loan is fully repaid. Before applying for an HDFC Bank Gold Loan, explore some of the benefits.
1.Low interest rates and processing charges: One of the benefits of taking a HDFC gold loan is the lower HDFC bank loan interest rates offered. HDFC Bank provides competitive interest rates on gold loans, Selected customers may be eligible for additional discounts from HDFC Bank. This implies that if you meet specific qualifying requirements or have a good relationship with the bank, you may be eligible. The processing fee charged by HDFC Bank is only 1.50% of the loan amount. This lower processing fee can minimise overall borrowing costs and make the gold loan more cost-effective when compared to alternative loan options with higher processing fees.
2. less Documentation: HDFC Bank gold loan has a straightforward KYC-based paperwork process. You only need to submit the appropriate documents, such as evidence of identification and address like, PAN card, Aadhaar card, passport, voter ID, driving licence, utility bills, etc. It is not necessary to show proof of income or credit scores.
3.Waiver on loan foreclosure charges: While discussing the benefits of Gold Loans, it should be noted that HDFC Bank does not apply any foreclosure charges on loans after three months. As a result, you can pay off your full loan after three months without paying any prepayment penalties.
4.flexible Terms of repayment: Another advantage of Gold Loans is that they provide adjustable payback terms. This loan's lowest and maximum payback terms are 6 months and 24 months, respectively. Furthermore, a maximum Loan to Value ratio of 75% of the computed weight of gold is possible.
5.Loan repayment systems: Gold loans can be repaid in a variety of ways. You can alternatively pay the interest first and then the principal at the conclusion of your term.
You can repay the principal and interest after one year if you choose the bullet repayment option. You can also repay with standard EMis.
What Documents are Required to Apply for an HDFC Gold Loan?
Passport
Driving licence
Voters’ ID Card
Aadhaar Card issued by UIDAI
PAN Card or Form 60
One Passport Size Photograph
Agri Allied Occupation Documentation( in case of bullet repayment for agriculture customers)
Conclusion
HDFC Bank gold loan offers several benefits such as lower interest rates and processing charges, minimal documentation requirements, waiver on loan foreclosure charges, flexible repayment terms, and various repayment options. To apply for an HDFC gold loan, you need to meet the eligibility criteria, which include being at least 18 years old, owning gold jewellery or coins, and having the necessary identification and address proof documents. The loan amount is determined based on the value of the gold, and the loan repayment tenure typically ranges from 6 to 24 months. HDFC Bank ensures a quick and convenient loan processing experience, with the loan amount being disbursed as soon as the gold's value is determined. HDFC Bank gold loan rates provide a secure and accessible borrowing option for individuals in need of immediate funds.
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Need an instant loan in Delhi? Apply for a gold loan with swiftloan and get cash in hand within hours. Our easy online application process e
Need an instant loan in Delhi? Apply for a gold loan with swiftloan and get cash in hand within hours. Our easy online application process e
Gold loans are a great way to get quick access to money when you need it the most. Instant gold loan in Delhi is the perfect option for those who are looking for a fast and reliable way to borrow money without any hassle. With instant gold loan in Delhi, you can get your hands on the cash you need within minutes, even on weekends and holidays. This type of loan is ideal for anyone who needs financial assistance in an emergency or when they don't have access to traditional banking services. Plus, it's a great way to leverage your gold assets for short-term loans since the interest rates are usually lower than other forms of borrowing.
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