Personal Loan VS Gold Loan : जानिये, बेस्ट ऑप्शन

काफी लोग पर्सनल लोन की तुलना में गोल्ड लोन को बेस्ट मानते हैं।

पर्सनल लोन आपके क्रेडिट स्कोर और इंकम के आधार पर मिलता है इसके लिए आपको कुछ गिरवी नहीं रखना पड़ता है।

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गोल्ड लोन में आप सोना गिरवी रख कर लोन लेते हैं, गोल्ड लोन में आपको ज्यादा डॉक्यूमेंट देने की जरूरत नहीं पड़ती है।

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सोना गिरवी के चलते पर्सनल लोन की तुलना में गोल्ड लोन काफी सस्ता पड़ता है और कम व्याज दर पर मिल जाता है।

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पर्सनल लोन की तुलना में गोल्ड लोन काफी कम समय में अप्रूव हो जाता है। वही पर्सनल लोन के लिए आपको कुछ दिन के लिए इंतजार करना पड़ता है।

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अगर आपका क्रेडिट स्कोर खराब या कम है तो भी आपको गोल्ड लोन मिल सकता है।

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गोल्ड लोन को चुकाने के लिए आपको कई ऑप्शन मिल जाते हैं, आप EMI के रूप में या सिर्फ कुछ समय तक व्याज चुकाने के बाद अंत में पूरा मूलधन चुका सकते हैं।

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गोल्ड लोन आपको 12 से 36 महीने तक के लिए मिल जाता है। बैंक या NBFC गोल्ड लोन अधिकतम 1.5 करोड़ रुपये तक का लोन ऑफर कर रहे हैं।

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गोल्ड के वैल्यू का 70 से 80% तक लोन मिल जाता है, यह आपके सोने के गहने की शुद्धता पर निर्भर करता है।

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