Gold Loan Calculator
Sone ke gehne girvi rakh kar loan lena jaldi aur sasta hota hai. Ye calculator batata hai ki aapke sone par kitna loan mil sakta hai (LTV ke hisaab se) aur EMI kitni banegi. Sone ka weight, purity aur aaj ka bhaav daaliye.
Gold loan me kitna milta hai
Bank aapke sone ki poori keemat nahi deta — ek hissa deta hai, jise LTV (Loan to Value) kehte hain. Ye anupaat RBI tay karta hai aur samay-samay par badalta hai. Baaki hissa isliye chhoda jaata hai taaki sone ka daam gire to bhi bank surakshit rahe.
Shudh value = weight × (carat÷24) × 24k bhaav
Ek misaal
20 gram 22-carat sona, 24k bhaav ₹7,000/gram, LTV 75%. Shudh value = 20 × (22÷24) × 7000 = ~₹1,28,000. Loan = 1,28,000 × 75% = ~₹96,000. Yaani 20 gram sone par lagbhag ₹96,000 tak loan mil sakta hai.
Gold loan ke fayde aur risk
- Sasta byaj — personal loan se kam (aksar 9-12%), kyunki sona surakshaa me hai.
- Jaldi milta hai — usi din, kuch ghanton me.
- Credit score zyada mayne nahi rakhta — sona girvi hai.
- Risk: EMI na chukane par sona neelaam ho sakta hai — isliye samay par chukana zaroori hai.
Repayment ke tareeke
Gold loan me aksar do vikalp hote hain: normal EMI (har mahine mool+byaj), ya bullet repayment (poora paisa ant me ek saath, beech me sirf byaj). Bullet tab theek hai jab aapko pata ho ki paisa kab aayega (jaise fasal bikne par). Gold aur personal loan me kaunsa sasta, wo yahan dekhein.
Aksar pooche jaane wale sawaal
Sone par kitna loan milta hai?
Sone ki shudh value ka ek hissa (LTV), jo aam taur par 75% ke aas-paas hota hai. RBI ise tay karta hai aur ye badalta rehta hai.
Gold loan ka byaj kitna hota hai?
Aam taur par 9-12%, personal loan se kam, kyunki sona girvi hota hai. Bank aur scheme se alag hota hai.
EMI na di to sona chala jayega?
Baar-baar EMI chhootne aur notice ke baad bank sona neelaam kar sakta hai. Isliye samay par chukana zaroori hai.
Kitne carat sona chalega?
Aam taur par 18-22 carat gehne. Purity jitni zyada, value aur loan utna zyada. Bank khud purity jaanchta hai.