Important :- Axis Gold loan service abhi bank end se hold par hai. SMA ko kuchh time ka wait karna hoga
Question 1 :- What is Axis Gold Loan Ans :- Spice Money axis gold loan ek service jiske through SMA apni gold loan laine ke liye request raise karega aur request raise karne ke baad SMA ke paas 2 Working days me bank se call ayega aur SMA ko apna gold lekr bank me jana hoga aur loan ke aage ka process bank ek trough hi kiya jayega |
Question 2 :- Who is eligible for axis gold loan Ans :- it is available for adhikari’s now
Question 3 :- Request raise karne ke baad SMA ke paas kab tak bank se call ayega ? Ans :- Sabhi details fill karne ke baad SMA ke paas ek Lead ID generate hokr aa jayegi uske baad bank se SMA ke paas 2 Working days me call aa jayega.
Question 4 :- axis gold loan me SMA ko kitna tak amount ka loan mil sakta hai Ans :- Minimum loan Rs. 25,000/- Maximum loan Rs. 25 lacs
Question 5 :- Product details Features Ans :-
1. Over the Counter Product
2. Simple & Minimum documentation
3. Safe, secured & hassle free loan processing
4. Disbursement within 60 minutes in your bank account
Question 6 :- Eligibility Ans :-
1. Applicant Age: 18 years or above
2. Individuals – Salaried/non-salaried/housewives, farmers etc. and sole proprietors
3. Gold jewellery/Ornaments & Gold coins minted by banks of 18 Karat and above
4. Not acceptable gold – Gold coins issued by retailers/NBFCs/Gold bars/ Foreign institutes and Gold idols
5. Non-targeted customers include – Jewellers, Pawn brokers, Politicians, Companies, Trust, HUF, Money lenders, Minors and NRIs
Question 7 :- Documentation Ans :-
1. 2 Photographs
2. Aadhaar Card
3. PAN Card
4. Any other document, if required
Question 8 :- Tenure Ans :- 6 months to 36 months
Question 9 :- Rate of interest on Loan Ans :- 10% – 19% p.a.
Question 10 :- Processing Fee Ans :- 0.5%
Question 11 :- Cibil record Ans :- Not mandatory
Question 12 :- Foreclosure fee Ans :- 2%, If account closed within 6 months of opening
Question 13 :- Renewal facility Ans :- Available
Question 14 :- Renewal fee Ans :- 0.5%
Question 15 :- Valuation fee Ans :- Minimum Rs. 500 to Max Rs. 1,500/-
Question 16 :- LTV (Loan to Value ratio) Ans :- Up to 75%
Question 17 :- Different schemes available Ans :-
1. Interest and principal repayment after 1 Year (12 months)
2. Both interest and principal to be paid per month (Regular EMI product) 3. Interest to be paid monthly and principal at the end of the tenure (Max 12 months) 4. Interest to be paid upfront and Principal at the end of the tenure (Max 12 months)
