Gold Loan Affordability
From a monthly payment budget to a gold-backed loan size and the collateral it needs — interest-only pawn or amortizing EMI.
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Rate, term, LTV & karat
Enter income or a budget
A monthly income with a budget % — or a direct monthly budget — starts the ladder to a loan size and the gold it needs.
Questions
Is the 10% budget a bank rule?
No — it is an editable rule of thumb you choose. Nothing here says what is safe or comfortable to repay; a lender assesses income, existing debt and credit separately.
What is the difference between interest-only and EMI?
Interest-only pawning charges interest each month and leaves the full principal due at the end — you must repay the whole advance at once. An amortizing EMI loan spreads principal plus interest across every payment, so the loan is cleared by the final payment.
Why 70% of my gold’s value?
Regulated banks and finance companies in Sri Lanka are capped at lending 70% of gold collateral value under the CBSL rule — a lender can offer less. Informal lenders are not bound by that cap, and their terms differ.
Is my income sent anywhere?
Your income stays in this page — it is not added to share links or analytics. The share link carries only your assumptions (budget %, rate, term, karat); ticking the consent box adds the income figure if you choose to share it.
Sources & methodology
Part of the Gold collection
How we calculate
CBSL daily gold rates (method reference)
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- Central Bank of Sri Lanka — Daily Gold Rates (methodology reference)
- CBSL Directions No. 02 of 2026 — gold collateral LTV cap (method reference)
Methodology verified 2026-10-28 against CBSL daily gold rates (method reference) · Attribution: CalcLK
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