गोल्ड लोन पुनर्भुगतान की प्रक्रिया क्या है?
आसान उपलब्धता और सरल योग्यता मानदंडों के कारण गोल्ड लोन लोकप्रिय हो गए हैं. अब आप जरूरत पड़ने पर तुरंत फंडिंग प्राप्त करने के लिए अपने उपयोग न किए गए गोल्ड एसेट का उपयोग कर सकते हैं. Bajaj फिनसर्व गोल्ड लोन का पुनर्भुगतान करना भी मुश्किल है, जिसमें कई ब्याज पुनर्भुगतान विकल्प उपलब्ध हैं.
Gain a comprehensive perspective on gold loan through a better understanding of how repayment happens and the available options to go for.
Read Also: How can a gold loan help you start a small business
What is gold loan repayment?
Repaying a gold loan is a simple process. It involves returning the borrowed amount along with the accrued interest to the lending institution. Since gold loans are backed by collateral, you have the flexibility to select a repayment plan that suits your convenience. Once the repayment is complete, you regain possession of your pledged gold jewellery.
Gold loan repayment options
With Bajaj Finserv Gold Loan, you can choose from multiple repayment options. You can choose to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis, depending on your convenience. However, it is important to note that the principal amount and pending interest, if any, will be due for payment at the time of loan maturity.
How to apply for an instant gold loan
Gold loans are highly favoured for their quick fund disbursement, making them an excellent choice during unexpected financial emergencies. By pledging your 18 gold jewellery as collateral, you can easily get a gold loan starting from ₹ 5,000 up to ₹ 2 करोड़. With Bajaj Finance you can get an instant gold loan in as little as 15 minutes* with interest rates starting at just 9.50%* per annum.
Meeting the eligibility requirements for a gold loan is straightforward. As an Indian citizen aged between 21 and 70 years, you can apply by providing your KYC documents, which typically include a voter ID card, Aadhaar Card, passport, driver's licence, NREGA job card or a letter from National Population Registration.
To apply, you have the option of visiting a nearby Bajaj Finance branch or applying online through the Bajaj Finance website. Here are the simple steps to follow:
- Visit the Gold Loan section of the website
- Click on the online application form
- Enter your 10-digit mobile number and click on ‘GET OTP’
- Enter OTP to verify your details
- Select your state and city to locate your nearest branch
- Enter your full name and date of birth as per your PAN
- Set up your appointment at the nearest branch in your city
Apply now and manage your expenses with an instant gold loan from Bajaj Finance.
Read also: How does the gold rate affect your gold loan
सामान्य प्रश्न
हमारे गोल्ड लोन 12 महीने तक की सुविधाजनक पुनर्भुगतान अवधि के साथ आते हैं. यह अवधि समाप्त होने के बाद, आप उसी अधिकतम अवधि की अन्य अवधि के लिए लोन को रिन्यू कर सकते हैं.
आप हर महीने समान किश्तों में अपने गोल्ड लोन का पुनर्भुगतान पूरा कर सकते हैं, जिसे 12 महीने तक की अवधि में पूरे भुगतान को फैलाने के लिए डिज़ाइन किया गया है.
गोल्ड लोन में बुलेट पुनर्भुगतान एक विकल्प है जिसमें आप पूरी लोन अवधि के दौरान ब्याज का भुगतान करते हैं और अंत में मूल राशि का एकमुश्त भुगतान करते हैं. यह विकल्प फ्लेक्सिबिलिटी प्रदान करता है और अगर आप नियमित पुनर्भुगतान को कम करना चाहते हैं और पूरी लोन राशि को एक साथ सेटल करना चाहते हैं, तो यह फायदेमंद है.
