Gold Loan Kaise Milta hai SBI Bank Or Any Bank Interest rate, Loan Amount, Repayment, Charges.
Gold Loan Kaise Milta hai SBI Bank Or Any Bank Interest rate, Loan Amount, Repayment, Charges
gold loan kaise milta hai sbi bank, ICICI Bank, IDBI Bank, HDFC Bank, PNB Bank, Bandhan bank, Axis bank, aor from any banks, Gold Loan Interest rate, gold Loan Repayment time, Maximum gold loan amount, how to get gold loan agaainst gold, benefits of Gold Loan, Extra Charges of gold loan
Some common Extra charges in Gold Loan
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Interest Rate 10% to 17% depending on purpose & profile and discretion of bank
Loan Processing Charges Upto 2% of Loan amount + applicable GST
Documentation Charges Nil
Stamping Charges Applicable as per the respective State's Stamp Act
Credit Administration Charges NIL
Credit Appraisal Charges Minimum Rs. 350, Maximum Rs. 1000, Based on number of ornaments, Weight & Bank Loan, first appraisal Minimum Rs. 350, Maximum Rs. 1000, Based on number of ornaments, Weight & Bank Loan, second appraisal if required as per bank Norms No appraisal charge for auto renewal
Commitment Charges Rs. 1250/- per quarter or 0.5% per quarter of the limit un-utilized (applicable only to Overdraft facility where average quarterly limit utilization is below 50%)
Overdue Interest 3% of Overdue Amount, compounded monthly
Collection Charges At the discretion of bank subject to maximum 30% of overdue amount
Dishonour Charges Per Instance Rs. 750.0/-
Swap Charges( Replacement of PDCs) Up to Rs. 500/- per Swap per Instance
Prepayment Interest / Foreclosure Charges 2.25% of fore closure amount if closed 1 month ahead of the tenure.
However charges may be waived of partially or fully at the discretion of Bank.
Duplicate Issue of NOC NA
Solvency Certificate NA
No Due Certificate NIL to Rs. 50 as per discretion of bank
Charges for furnishing a copy of the credit information report (CIBIL) to the applicant. Rs. 50/- plus service tax
Charges applicable in case customer requests for copies of records pertaining to his transactions ( SOA / Amortization Schedule) First instance without any charge. Post that, Rs. 250/- per request.
In this video, we have explained:
gold loan kaise milta hai
How to take gold loan?
How gold loan is better compared to a personal loan, credit debt?
Why gold loan is a good option for personal requirements?
In which situations you should take a gold loan and when you should avoid it?
What are eligibility requirements for taking gold loan?
What documents are required for taking gold loan?
What are the benefits of gold loan?
What are the interest rates for gold loan?
What are the purposes you can take gold loan for?
How a gold loan can help you to improve your CIBIL score or credit score?
What are the risks associated with gold loan?
How gold loan interest rate are different in banks from NBFCs?
What is the maximum amount of loan you can take with gold loan?
How banks calculate the loan amount in gold loans?
What are the loan repayment options available for gold loans?
What are prepayment charges for gold loans?
What are the safety measurements taken by banks and NBFCs to ensure the safety of gold in gold loans?
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