Apply on line for SBI private Gold Loan in India — Personal Banking
19th Июль , 2020
Apply on line for SBI private Gold Loan in India — Personal Banking
Personal Gold Loans
SBI Private Gold Loan
- Features
- Eligibility
- Payment
- Papers Required
- Interest rate
SBI Gold Loan could be availed by pledge of silver ornaments including coins offered by Banking institutions with minimal paper work and interest rate that is low.
Features
- Optimum Loan Amount: Rs 20.00 lacs
- Minimal Loan Amount: Rs 20,000 /-
- Margin
- Gold Loan: 25%
- Liquid Gold Loan: 25%
- Bullet Repayment Gold Loan: 35%
- Protection: Pledge of silver ornaments duly confirmed for quality & amount.
- Processing charges: 0.50percent regarding the Loan amount + relevant GST minimum Rs500/- + applicable GST
- Rate Of Interest:
- For almost any Loan quantity: 0.50% over the MCLR-1yr
- Others: silver appraiser costs will likely to be compensated because of the Applicant.
Eligibility
- Age: 18 years and above
- Career: Any specific (singly or jointly) with Steady income source including: Bank’s Employees, Pensioners. (No evidence of earnings needed)
Payment
- Repayment Mode
- Gold Loan: The payment of Principal and Interest may be commenced through the thirty days following a thirty days of disbursement.
- Fluid Gold Loan: Overdraft Account with deal center and interest that is monthly become offered.
- Bullet Repayment Gold Loan: On or prior to the term regarding the loan/ on closing of account.
- Repayment Period
- Optimum: Gold Loan: 36 months Liquid Gold Loan: 36 months Bullet Repayment Gold Loan: year
Papers Required
To Utilize Loan
- Application for Gold Loan with two copies of photographs.
- Proof Identity with evidence of Address
- Witness Letter in the event of illiterate borrowers.
Time of Disbursement
- DP note and DP Note Take Delivery Page.
- Silver Ornaments Take Delivery Page.
- Arrangement Letter.
INTEREST RATE (w.e.f. 15.05.2020 to 15.07.2020)
| Scheme |
1 MCLR |
Spread over 12 months MCLR |
Successful Interest Rate |
| Gold Loan(all variations) |
7.00 12 months% |
0.50% |
7.50% |
| Realty Gold Loan- A Gold Loan Product solely for SBI Housing Loan Customers (all variations) |
7.00% |
0.00% |
7.00% |
Interest Levels
6.95% p.a.
*T&C Apply.
7.50% p.a.
*T&C Apply.
Loan amount up to Rs. 3 lakhs
8.85% p.a.
Rs. 3 lakhs & as much as Rs. 5 lakhs
Begin From
9.60% p.a.
2.70% p.a.
Upto 1 lakh(w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Upto 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
9.30% p.a.
*T&C Apply.
7.50% p.a.
(On Using through YONO)
7.75% p.a.
Year 3 years to less than 5
installment loans sc Five years to significantly less than a decade
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