SBI Home & Gold Loan Customer Care: SBI Home & Gold loan is another useful venture from SBI bank that can make clients happy. Though the terms and conditions are self-explanatory but the provision like SBI Home Loan Gold Loan Helpline Contact Number helps in sorting out any of the query with ease.
Who Can Look for Fetching Home Loan & Gold Loan From SBI? Customer interested or fall into difficulty due to any of the personal or professional reasons can avail this extraordinary loan facility of up to Rs 20 lacs. The only requirement is to submit gold material like ornaments, gold coins and anything else made of gold. In fact, once can also give their gold coins purchased from SBI bank only. With the minimal document work and lesser interest rate, one can fully enjoy the loan benefits.
Eligibility: Person who is more than 21 years in age can apply for the gold loan from this trustworthy bank. However, ensure that there will be regular income flow like pension, etc. Loan amount for rural and semi-urban areas would be Rs 10,000 and for unban and metros will be Rs 20,000. Maximum amount one can attain is Rs 20 lacs with margin of 25%. SBI has set repayment of period for 30 months.
Other Crucial Info: Tenure of the loan will decide the EMI one needs to pay. Including this, repayment of the interest and principal initiated from the month that starts with the disbursement. Interest rate is decided for 2.50% and the above rate kept as 12.50% p.a. (according to the present status). Security of the gold is possessed in safer hand so nothing to worry at any point.
Significant Documents Before Applying for Loan:
(a). One needs to have DP Note and along with this D P Note Take Delivery Letter.
(b). Another document that one should have is application for gold loans
(c). Two photographs of the borrower
(d). Gold Ornaments Take Delivery Letter
(e). Illiterate borrowers need to have Witness Letter
(e). Arrangement Letter
1- The person giving BIS Hallmarked Ornaments and minted Gold Coins by SBI Banks then bank follows given below:
(a). Loan Amount of 0.51% which implies (Min: Rs 256 ; Max: Rs511)
2. When the jewelry is non hallmarked then following criteria is followed:
(a). Up to Rs 25000: Rs256 per application;
(b). And for above Rs 25000: 0.51% of the Loan amount or Rs511 whichever is higher.
SBI Home & Gold Loan Customer Care Number:
Tough things have crystal clear picture now but in case you want to enquire more, call at the SBI Home Loan & Gold Loan Customer Care Toll Free Number.
SBI Bank Home Loan & Gold Loan Toll Free No: -1600-22-8866
Customer Care Number: – (022) 6445525 , 26445524
Housing & Personal Loan Helpline Number: – 26445543, 26445542
E-mail Address: [email protected]