Gold Loan Kaise Milta Hai in Hindi | Best Gold Loan Bank in India

Gold Per Loan Kaise Milta Hai in Hindi, Gold Loan Kaise Le/ Milega?, Best Gold Loan Bank in India, Best Gold loan Offer: Dosto, aapne gold loan ke bare mein avashya suna hi hoga. Aaj hum isi vishay par baat karenge.

Yadi aap koi kaam karna chahte hain aur aapke paas paise nahi hai. To aap kisi bank se gold loan le sakte hain. Bank aapko aapke sone par paise deta hai. Jisse aapko har mahine EMI ke roop mein chukana padta hai.

Bank aapke property gold ko security ke taur par mangta hai. Bank se milne wala loan aapke sone ki kimat ke upar nirbhar karta hai. Jitni jyada aapke sone ki kimat hogi, utna jyada bank aapko loan de sakta hai.

Is post mein hum vistar se charcha karenge, sone par milne wale loan par. Iss post mein hum aapko batayenge ki gold loan lene ke fayde kya kya hai. Aapko gold loan kyon aur kab lena chahiye.

Gold loan ke bare mein puri jankari jaise gold loan kaise milta hai, Gold loan interest rate, Gold loan interest rate in SBI, Best gold loan bank in India, Best gold loan offer ityadi aapko batayenge kyo aapko personal loan lene ke bajay aapko gold loan lena chahiye? To chaliye dosto, shuru karte hain gold loan lene ke vibhinn pehluon ke bare mein.

 

 

Gold Loan Kaise Milta Hai (Gold Loan Kaise Le)?

To chaliye dosto, shuruaat karte hain. Aur jante hain ki gold loan kaise lein. Gold loan lene ka process jyada bada nahin hai. Aur gold loan prapt karna mushkil kaam bhi nahi hai.

Gold loan aap kisi finance company se ya kisi bank se prapt kar sakte hain. Aapko bank ya kisi bhi finance company mein jakar gold loan lene ke liye aavedan form bharna hota hai. Uske baad bank ke agent aapko puri jankari de dete hain.

Magar aapko gold loan lene ke liye pehle se hi jankari honi chahiye. Finance company aur pratyek bank ki byaj dar alag alag hoti hai. Gold loan ke liye aavedan karte samay aapko dhyan rakhna chahiye ki aapki umar 18 varsh se adhik honi chahiye.

Sone par loan lene ke liye aapko apne rojgar ke bare mein koi jankari nahi deni hoti hai.

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Gold Loan Interest Rate

Sone par loan lene ke liye finance company aur bank ki byaj dar alag alag hoti hai. Byaj dar 10 fisdi se 15 fisdi tak ho sakti hai. Udaharan ke taur par ICICI Bank gold loan par 10% se 16.50% salana byaj vasulta hai. Iske sath ek fisdi processing fees bhi leta hai.

SBI gold loan par 11.05% varshik byaj ke sath loan ki rakam ka aadha fisdi processing fees ke taur par vasulta hai. Agar baat kare Manappuram gold loan ki to yahan byaj dar 14 fisdi se shuru hoti hai.

Jaise ki pahle bhi kaha hai ki loan lene se pehle aapko puri jankari le leni chahiye. Byaj daron ke bare mein pehle pata karna chahiye. Varna aapko baad mein har mahine EMI dene mein bahut si dikto ka samna karna pad sakta hai. “Gold Loan Kaise Milta Hai”

Gold Loan लेने के फायदे

Dosto, ab baat karte hain gold loan ke fayde ke bare mein. Personal loan ke bajay aapko gold loan kyo lena chahiye. Gold loan lene ke aapko kafi sare fayde ho sakte hain, jaise:

• Gold loan ki byaj dar personal loan se kam hoti hai. Atah aapko kam byaj dena padta hai. Jo aapke liye faydemand sabit hota hai.
• Personal loan lene ke liye aapka credit card aur cibil score accha hona chahiye. Magar gold loan lene ke liye aapko is tarah ki koi jankari nahi deni padti hai.
• Gold loan lene ke liye aapko kisi prakar ki guarantee ya guaranter ki jarurat nahi hoti hai.
• Aap sone ko girvi rakh kar loan lete hain. Isliye aapko bank ke chakkar nahi katne padte. Aur aapka kafi kam samay mein loan approve ho jata hai.
• Gold loan ki pre payment dene par koi jurmana (penalty) nahi lagti hai.

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गोल्ड लोन लेते वक्त ध्यान बातें रखने योग्य बातें।

Aapko yah jaan lena chahiye ki aapko kul 75% hi loan milta hai. Aapke sone ki kimat aanki jaati hai. Uske baad bank tay karta hai ki aapko kitna loan diya jaye.

Kyunki kuch log fraud karke aur nakli sona dekar loan le lete hain. Isliye bankon ke gunvatta mankon se aapke sone ko bhi gujarna padta hai. Bankon ne sone ki gunavatta jachne ke manak kafi sakht kar rakhe hain.

Gold loan mein samay par EMI bharni bahut jaruri hoti hai. Agar nahi bharta hai to aap ko jurmana (penalty) deni padti hai.

Loan lete waqt jab bank aapse kuch dastavezon par dastakhat karata hai. To usme se ek kagaz par yah bhi likha hota hai ki yadi aap 90 dinon tak koi bhi EMI nahi bharte hain, to bank aapke girvi rakhe sone ko bech sakta hai.

Kai bank aapke sone ke evaluation charge bhi lete hain. Arthat jo kharcha aapke sone ki gunvatta checking par hua hai. Uska kharcha bhi aapko hi dena padta hai.

Aur kuchh bank aapke prepayment par bhi jurmana lagate hain.

Aur processing fees bhi aapse hi li jaati hai, jo loan ki rakam ki adhiktam 0.5 se 2% tak ho sakti hai.

Jis bank ya finance company se aap loan le rahe hain. Sambandhit company ke niyam aur sharton ke bare mein puri tarah se jaanch le. Bina soche samjhe kaam karna aapko bhavishya mein pareshani mein daal sakta hai. “Gold Per Loan Kaise Milta Hai in Hindi, Gold Loan Kaise Le/ Milega?, Best Gold Loan Bank in India, Best Gold loan Offer”

ये हैं जरूरी डॉक्यूमेंट्स। (Gold Loan Kaise Milta Hai?)

• Aapki pahchan ke liye aapki ID card ki copy hona jaruri hai. (Jaise Aadhar card/ driving licence/ PAN card/ passport ya koi anya pehchan patra de sakte hain. Jisme aapki umar aur janam tithi jaisi jankari sahi ho.)
• Nivas sthan ke liye aapko bank ko kuch document dene padte hain. Iske liye aap aadhar card/ bijli ka bill/ telephone bill/ pani ka bill/ ration card mein se koi bhi ek dastavej bank ko de sakte hain.
• Aapko do passport size photo bhi dene padte hain.
• Bank aapke hastakshar bhi mangte hain.

इसे भी पढ़े – Aadhar Card Se Paise Kaise Nikale | आधार कार्ड से पैसे कैसे निकाले?

Gold Loan Interest Rate in SBI

Aaiye, ab jante hain SBI ke bare mein. Agar aap SBI se gold loan lena chahte hain, to aapko kitne pratishat tak ka byaj SBI mein dena padta hai.

• SBI gold loan 50 lakh rupaye tak ki loan rashi par 7.30% prati varsh ki byaj dar se loan deta hai.
• SBI aapse loan rashi ke 0.25% par processing fees leta hai.
• Jabki loan ko chukane ki awadhi adhiktam teen varsh ho sakti hai.

Best Gold Loan Bank in India (Gold Loan Kaise Milta Hai?)

Gold loan surakshit rin (loan) hote hai. Jahan sone ke abhushan, gahne ityadi jaise sone ke saman ko udhar dene wale bank/NBFC dwara samparshvik ke roop mein liya jata hai.

Aap aasani se aur nyuntam dastavejikaran ke sath sone par loan prapt kar sakte hain. To chaliye dosto, aapko Bharat ke kuch sabse acche banko ke bare mein batate hai. Jo aapko gold loan kam byaj daro mein pradan karte hai.

1. मुथूट फाइनेंस लिमिटेड (Muthoot Finance Limited)

Muthoot Finance Limited 12% prati varsh se shuru hone wali kam byaj dar par gold pradan karta hai.

Mukhya Bindu

Byaj Dar- 12% prativarsh se aage
Nyuntam EMI/ Lakh = 3,331 rupaye
Loan rashi- Nyuntam- 15,000 aur adhiktam- Koi seema nahi
Loan ki awadhi- 7 din se 36 mahine tak
Processing Fees- Loan rashi ka 0.25% se 1%.

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2. मन्नपपुरम बैंक (Manappuram Bank)

Manappuram Bank ke jariye aap 1.5 crore tak ki loan le sakte hai..

Mukhya Bindu

Byaj Dar- 29% prati varsh
Loan rashi- nyuntam 10,000 to 1.5 crore
Loan ki awadhi- teen varsh
Processing Fees- Isme aapko processing fees ke alawa atirikt fees loan bhi deni padti hai. Yah fees aapki awadhi par nirbhar karti hai. “Gold Per Loan Kaise Milta Hai in Hindi, Gold Loan Kaise Le/ Milega?, Best Gold Loan Bank in India, Best Gold loan Offer”

3. Bank of Baroda

Bank Of Baroda ke dwara aap 25 lakh tak ka gold loan le sakte hai.

Mukhya Bindu

Byaj dar-8.75% prati varsh
Loan rashi- adhiktam 25 lakh
Loan ki awadhi- 1 varsh
Processing Fees- 0.05%

4. फेडरल बैंक (Federal Bank)

Federal Bank ke dwara aap apne sone par 1.5 crore tak ka loan le sakte hai.

Mukhya Bindu

Byaj Dar- 8.50% prati varsh
Loan rashi- nyuntam- 1000 rupees to 1.5 crore
Loan ki awadhi- Kam se kam 6 mahine aur adhik ho sakti hai.

5. State Bank of India

State Bank Of India ke dwara Bharat mein sabse kam byaj daro par gold loan diya jata hai.

Mukhya Bindu

Byaj Dar-7.50
Nyuntam EMI-
Loan rashi- Nyuntam 20,000 rupaye- 50 lakh
Loan ki awadhi- teen varsh
Processing Fees- 0.25+ GST

Inke alawa bhi kai aur bank hai jo kifayati byaj dar mein gold loan ki seva dete hai. “Gold Per Loan Kaise Milta Hai in Hindi, Gold Loan Kaise Le/ Milega?, Best Gold Loan Bank in India, Best Gold loan Offer”

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Best Gold loan Offer

Bank aur Finance companiya samay samay par apne grahakon ko offer dete rehte hai. Jo ek nishchit samay awadhi ke liye hote hai. Agar aap best loan offer ki talash mein hai to sambandhit bank ya finance ki official website par jaakar check kare.

Kai jhoothe aur bhramak vigyapan ke lalach mein aakar aap thagi ka shikar ho sakte hai. Internet par bahut si aisi gang sakriy hai. Jo grahako se online thagi karti hai.