SBI Realty Gold Loan

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SBI Realty Gold Loan

Features:

  • Maximum Loan Amount : Rs 50.00 lacs
  • Minimum Loan Amount : Rs 50,000 /-
  • Margin
    • SBI Realty EMI Gold Loan: 25%
    • SBI Realty Liquid Gold Loan (Overdraft): 25%
    • SBI Realty Bullet Repayment Gold Loan: 35%
  • Security : Pledge of gold ornaments duly verified for quality & quantity.
  • Processing Fees : 
    • Realty Gold Loan ( all variants) : 0.50% of loan amount subject to minimum Rs. 500 + applicable GST.
  • Others : Gold appraiser charges will be paid by the Applicant.

Eligibility

  • Age : 18 years and above
  • Pre-condition: Housing Loan Borrowers of SBI (both existing and new)

Repayment

  • Repayment Period - Maximum upto :
    • SBI Realty EMI Gold Loan : 36 months
    • SBI Realty Liquid Gold Loan : 36 months
    • SBI Realty Bullet Repayment Gold Loan : 12 months
  • Repayment Mode
    • SBI Realty EMI Gold Loan : The repayment of Principal and Interest will be commenced from the month following the month of disbursement.
    • SBI Realty Liquid Gold Loan: Overdraft Account with transaction facility and monthly interest is to be served.
    • SBI Realty Bullet Repayment Gold Loan : On or before the term of the loan/ on closure of account.

Note: Drawing power may fluctuate according to current market price of gold, within sanctioned limit. 


RATE OF INTERESTMean Rate of Interest: 9.11%

Scheme 1 year MCLR Spread over 1 year MCLR Effective Interest Rate
Realty Gold Loan(all variants) 8.50% 0.50% 9.00%

Last Updated On : Saturday, 01-04-2023

Interest Rates

Starts From 8.65%*

SBI Gold Loan

*T & C Apply

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