JS GoldFinance

If you have gold, selling it may not be the optimum way to meet your financial needs. A smarter option is to apply for JS GoldFinance, keeping your gold as collateral for a short- or long-term loan. If you’re a gold owner, you can apply for JS GoldFinance and get up to PKR 25 million against your gold. You can use the money to invest in business or fulfill personal needs, with the surety that your gold is safe with JS Bank.
We guarantee that the gold is safeguarded, kept in pristine condition, and returned undamaged once the facility has been availed and paid off.
With JS GoldFinance, you receive:

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Low
Markup

Financing up to
Rs. 25 million

Easy Documentation

Quick loan disbursal

Secure & Safe

Small and medium enterprises along with individuals all over Pakistan have benefitted from JS GoldFinance, which provides a quick liquidation of their assets without having to permanently part with them.

Calculate Gold Finance Loan

Types of Facilities Available

For our customers’ convenience, JS GoldFinance is offered as a Running finance facility as well as Term finance for a tenure of 1-3 years.

Running Finance

Interest is applicable only on the availed loan amount (up to x percent of gold value) the facility is offered for 3 years (without annual renewal) and may be renewed upon customer request after 3 years.

Term Finance
Facility 1 – Based on Equal Monthly Installment:
In case of Term Loan A,

The disbursement is in the form of a single draw into the customer’s financing account and the repayments are made in form of equal monthly installments (EMI) including both principal and interest portions.

Facility 2 – Based on Quarterly Mark-up Payment only, with principal payment at maturity:
In case of Term Loan B (Bullet Payments ),

The disbursement is in form of a single draw into the customer’s financing account. The facility can be renewed at the client’s request. Quarterly markup payments are made. Principal is paid at maturity.

Term Loan Plus:

Facility for existing JS GoldFinance Term Loan clients.

Term Loan Plus facility is offered to existing JS GoldFinance term loan as a medium to enhance the current financing availed.
Facility 1 customers with a minimum of a 6-month satisfactory relationship in Facility 1 of JS GoldFinance.
Value of the gold will be assessed based on the current market price of gold.

Pricing

JS GoldFinance pricing with a financing limit of PKR 299,999 or below:

Running Finance : Mark-up rate of 3M KIBOR + 12 % (exclusive of prompt payment bonus of 2%).
Term Loan A : Mark-up rate of 1-Year KIBOR + 12 % (exclusive of prompt payment bonus of 2%).
Term Loan – Facility B : Mark-up rate of 1-Year KIBOR + 11 % (exclusive of prompt payment bonus of 2%).

JS GoldFinance pricing with a financing limit PKR 300,000 – PKR 25 Million

Running Finance : Mark-up rate of 3M KIBOR + 9 % (exclusive of prompt payment bonus of 2%).
Term Loan A : Mark-up rate of 1-Year KIBOR + 9 % (exclusive of prompt payment bonus of 2%).
Term Loan – Facility B : Mark-up rate of 1-Year KIBOR + 8 % (exclusive of prompt payment bonus of 2%).

Click here to access GoldFinance – Term Finance Auction List.

Click here to access GoldFinance – Running Finance Auction List.