A Gold Loan allows you to borrow money by pledging your gold jewelry as security. We evaluate your gold, provide the best market value, and keep your items securely stored until repayment.
Faq’s
Faq’s
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Wide range of topics to address common queries.
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01What is a Gold Loan and how does it work?
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02What documents are required for a Gold Loan?
You only need: NIC or Passport Customer Information Form No income proof required.
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03How is the gold value calculated?
We use the daily updated market gold rate and calculate based on purity, weight, and current LTV (Loan-to-Value) limits.
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04What is the maximum LTV percentage?
We offer up to 70% of the market value, depending on gold purity and regulations.
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05How long is the repayment period?
You can repay within 3, 6, or 12 months, with flexible renewal options.
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06Is my gold safe with N R Palliyaguruge?
Absolutely. All gold items are stored in high-security vaults with strict monitoring and insurance coverage.
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07Can I renew my Gold Loan?
Yes, early settlement is allowed. You only pay the outstanding amount and interest up to the settlement date.
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08Do you sell gold jewelry?
Yes, our Jewelry Retail Division offers handcrafted gold, diamond, and gemstone jewelry with certified quality.
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09Can I request custom jewelry designs?
Yes. Our artisans can create bespoke designs for weddings, engagement rings, and special occasions.
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10What gemstones does Neil International export?
We export high-quality stones including: Blue Sapphires Rubies Emeralds Cat’s Eye Moonstones
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11Are your gemstones certified?
Yes, all gemstones come with international certification and ethical sourcing documentation.
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12What courses does IOLPS offer?
We offer: English language training ICT & vocational courses Professional development programs Kids’ educational programs
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13Are IOLPS courses suitable for job seekers?
Yes, our programs are career-focused and designed to improve employability.
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14What services are offered at Surf & Yoga Arugam Bay?
Our retreat includes: Surf lessons Yoga & meditation Boutique accommodations Wellness meals Nature excursions
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15Do you offer beginner surf lessons?
Yes, certified instructors provide beginner to advanced training.
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16What real estate services do you offer?
We provide: Commercial leasing Residential property development Long-term and short-term rentals Land sales support
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17How can I inquire about leasing a property?
You can contact our leasing department via: 📧 info@palliyaguruge.lk 📞 +94 75 019 1191
