{"id":9633,"date":"2024-01-17T12:17:28","date_gmt":"2024-01-17T06:47:28","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=9633"},"modified":"2024-06-06T15:38:10","modified_gmt":"2024-06-06T10:08:10","slug":"gold-loan-for-education","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/","title":{"rendered":"Gold Loan for Education: Interest Rate, Eligibility, Documents"},"content":{"rendered":"\n<p><strong>Gold Loan for Education:<\/strong> Pursuing higher education in India or abroad often comes with financial challenges. Thus, aspiring students opt for education loans from financial institutions like banks and NBFCs to overcome the financial aspect. In recent years, gold loans for education have gained significant popularity due to lower interest rates. Education loans against gold from INR 5,000 to INR 2 crores can be easily availed by leveraging 18-22 carat gold jewellery.\u00a0<\/p>\n\n\n\n<p>In this blog, we will cover why to avail of a gold loan for education, interest rates, and other necessary details one should know to finance your education abroad.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>Amount of Gold Loan for Education&nbsp;&nbsp;<\/td><td>INR 5,000 to INR 2 crores<\/td><\/tr><tr><td>Interest Rates<\/td><td>Starting from as low as 8.28 % p.a<\/td><\/tr><tr><td>Loan Tenure<\/td><td>24 months (in case of EMIs)<br>6 months (in case of lump sum repayment)<\/td><\/tr><tr><td>Gold Eligibility<\/td><td>Gold purity- 18-22 carat gold<\/td><\/tr><tr><td>Documents Required<\/td><td>Aadhaar Card, Valid Passport, PAN Card, Valid Driving Licence, Voter ID Card, Bank Statement, Ration Card, Electricity Bill<\/td><\/tr><tr><td>Eligibility Criteria<\/td><td>Minimum 18 years of age<\/td><\/tr><tr><td>Minimum Loan to Value Ratio (LTV Ratio)<\/td><td>Loan amount of a maximum of 75% of the value of gold pledged<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-benefits-of-gold-loan-for-education\" data-level=\"2\">Benefits of Gold Loan for Education<\/a><ul><li><a href=\"#h-high-loan-amounts\" data-level=\"3\">High Loan Amounts<\/a><\/li><li><a href=\"#h-minimum-documentation\" data-level=\"3\">Minimum Documentation<\/a><\/li><li><a href=\"#h-simpler-eligibility-criteria\" data-level=\"3\">Simpler Eligibility Criteria<\/a><\/li><li><a href=\"#h-lower-interest-rates\" data-level=\"3\">Lower Interest Rates<\/a><\/li><li><a href=\"#h-loans-for-any-courses\" data-level=\"3\">Loans for Any Courses<\/a><\/li><li><a href=\"#h-flexible-repayment-options\" data-level=\"3\">Flexible Repayment Options\u00a0<\/a><\/li><li><a href=\"#h-no-pre-closure-charges\" data-level=\"3\">No Pre-closure Charges<\/a><\/li><li><a href=\"#h-no-guarantor-required-no-cibil-check\" data-level=\"3\">No Guarantor Required &amp; No CIBIL Check<\/a><\/li><\/ul><\/li><li><a href=\"#h-eligibility-criteria-for-education-loan-against-gold\" data-level=\"2\">Eligibility Criteria for\u00a0 Education Loan against Gold\u00a0<\/a><\/li><li><a href=\"#h-documents-required-process-for-gold-loan-for-education\" data-level=\"2\">Documents Required &amp; Process for Gold Loan for Education<\/a><\/li><li><a href=\"#h-faqs-on-gold-loan-for-education\" data-level=\"2\">FAQs on Gold Loan for Education<\/a><\/li><\/ul><\/div>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><strong>Before applying for loans, know all about the<\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/minimum-family-income-requirements-for-education-loan\/\"><strong> minimum family income requirements for education loans<\/strong><\/a><strong> in our blog.&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-gold-loan-for-education\"><span id=\"benefits-of-gold-loan-for-education\">Benefits of Gold Loan for Education<\/span><\/h2>\n\n\n\n<p>When it comes to answering what are the advantages of taking an education loan against gold, the list of benefits it offers is lengthy. It is truly one of the most flexible and better alternatives to finance your study abroad dreams as the interest rates are low and there are no pre-closure charges. Let\u2019s have a look at other perks aspiring students can avail of by choosing a gold loan for education.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-loan-amounts\"><span id=\"high-loan-amounts\">High Loan Amounts<\/span><\/h3>\n\n\n\n<p>Since gold is a precious and valuable commodity, its value increases with time. Considering the same, banks are willing to lend a higher amount of education loan against gold as compared to other types of loans. This allows aspiring students to avail of education loans directly relating to the value of gold pledged as collateral allowing them to cover tuition fees and other expenses.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-minimum-documentation\"><span id=\"minimum-documentation\">Minimum Documentation<\/span><\/h3>\n\n\n\n<p>The list of <a href=\"https:\/\/fly.finance\/blog\/education-loan\/documents-required-for-education-loan\/\"><strong>documents required for an education loan<\/strong><\/a> is long. But, to apply for gold loans for education is much more hassle-free as you require minimum documents. Students simply need to prove their identity and address, and can easily apply without providing any acceptance letter from your college.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-simpler-eligibility-criteria\"><span id=\"simpler-eligibility-criteria\">Simpler Eligibility Criteria<\/span><\/h3>\n\n\n\n<p>The eligibility criteria to apply for a gold loan for education are simpler. Any individual who has rightful possession of gold and gold items can apply for the same. Students must be 18 years of age and the gold pledged should be of 18-22 carats.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-lower-interest-rates\"><span id=\"lower-interest-rates\">Lower Interest Rates<\/span><\/h3>\n\n\n\n<p>Education loans against gold should be an option to consider due to lower interest rates. The interest rates are as low as 8.28% p.a, however, it depends on the lender and other factors like the LTV ratio, gold market price, and loan tenure.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-loans-for-any-courses\"><span id=\"loans-for-any-courses\">Loans for Any Courses<\/span><\/h3>\n\n\n\n<p>When applying for a gold loan for education, students can use the loan amount to apply for any desired course, university, and country. However, if you consider other education loan options, banks consider loan sanctions if aspiring students have applied to top-notch renowned universities.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-flexible-repayment-options\"><span id=\"flexible-repayment-options\">Flexible Repayment Options&nbsp;<\/span><\/h3>\n\n\n\n<p>Gold loans for education offer flexible repayment tenure and payment frequency at your convenience. Individuals can choose the standard EMI payment plan as per their requirements and also choose between bullet and interest EMI options.&nbsp;<\/p>\n\n\n\n<p>With bullet repayment, they can pay the total principal amount with interest at the end of the tenure. Payment of interest as per EMI can be done throughout the tenure and the principal amount can be paid at the end of the loan term.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-no-pre-closure-charges\"><span id=\"no-pre-closure-charges\">No Pre-closure Charges<\/span><\/h3>\n\n\n\n<p>In case, individuals plan to repay the loan amount before the tenure, there are no pre-closure charges on gold loans for education. Education loan with other options has pre-closure charges as charged by the banks.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-no-guarantor-required-no-cibil-check\"><span id=\"no-guarantor-required-no-cibil-check\">No Guarantor Required &amp; No CIBIL Check<\/span><\/h3>\n\n\n\n<p>Usually, a guarantor is required to promise the repayment of the education loan amount and have a CIBIL score of 600 and above. However, individuals do not require a high credit score to avail of gold loans for education. Also, no guarantor is required, the assets pledged are sufficient for the lender to provide financing and help students cover their tuition fees, accommodation, and other related- expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria-for-education-loan-against-gold\"><span id=\"eligibility-criteria-for-education-loan-against-gold\">Eligibility Criteria for&nbsp; Education Loan against Gold&nbsp;<\/span><\/h2>\n\n\n\n<p>Anyone rightful owner who can pledge gold as collateral to the banks is eligible to avail of education loans against gold. However, education loans can be challenging to avail if a student does not fulfil the eligibility criteria. So, make sure to fulfil the following eligibility criteria and get the maximum benefits of a gold loan for education.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Minimum 18 years of age<\/li>\n\n\n\n<li>Salaried\/ non-salaried\/ self-employed individuals can apply for gold loans for education<\/li>\n\n\n\n<li>Gold purity should be 18-22 carats<\/li>\n<\/ul>\n\n\n\n<p><strong>Note: <\/strong>The loan of a maximum of 75% of the gold pledged is provided. It means if the value of the gold pledged as collateral is INR 20 lakhs, then the student can get 75% of 20 lakhs as an education loan which equals INR 15 lakhs.&nbsp;<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><strong>Did you know that you can get an <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/income-tax-rebate-on-education-loan\/\"><strong>income tax rebate on education loans<\/strong><\/a><strong>? Check out how to avail, calculate, and claim tax deductions.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required-process-for-gold-loan-for-education\"><span id=\"documents-required-process-for-gold-loan-for-education\">Documents Required &amp; Process for Gold Loan for Education<\/span><\/h2>\n\n\n\n<p>To avail of gold loans for education, minimum documentation is required, unlike <a href=\"https:\/\/fly.finance\/blog\/education-loan\/personal-loan-for-education\/\"><strong>personal loans for education<\/strong><\/a>. Students can easily get education loans against gold without providing an acceptance letter from the college. Yet, keep these documents handy for KYC norms and other legal requirements. Here\u2019s the list of required documents-&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Proof of Identity<\/strong> (Aadhaar Card, Valid Passport, PAN Card, Valid Driving Licence, Voter ID Card, Bank Statement)<\/li>\n\n\n\n<li><strong>Proof of Address<\/strong> (Aadhaar Card, Valid Passport, Ration Card, Electricity Bill, Valid Driving Licence, Voter ID Card, Bank Statement)<\/li>\n<\/ul>\n\n\n\n<p>The process to apply for an education loan against goals is very simple. Choose the bank that you wish to avail an education loan from and follow these steps-&nbsp;<\/p>\n\n\n\n<p><strong>Step #1-<\/strong> Visit the nearest Bank Branch<\/p>\n\n\n\n<p><strong>Step #2-<\/strong> Provide the list of documents as discussed and gold to get an instant approval<\/p>\n\n\n\n<p><strong>Step #3-<\/strong> Let the bank ascertain the gold value and provide an education loan against the gold provided<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-on-gold-loan-for-education\"><span id=\"faqs-on-gold-loan-for-education\">FAQs on Gold Loan for Education<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1705560289791\"><strong class=\"schema-faq-question\">Can gold be used as collateral for education loans?<\/strong> <p class=\"schema-faq-answer\">Yes, an education loan against gold can be considered. In such a case, the gold pledged to the bank acts as collateral for an education loan.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705560309627\"><strong class=\"schema-faq-question\">Which choose a gold loan for education?<\/strong> <p class=\"schema-faq-answer\">Gold loans for education are one of the most flexible and better alternatives to finance your study abroad dreams as the interest rates are low and there are no pre-closure charges. Also, there is no guarantor required and no CIBIL check takes place.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705560319065\"><strong class=\"schema-faq-question\">How much education loan can I get against gold?<\/strong> <p class=\"schema-faq-answer\">A loan of a maximum of 75% of the gold pledged can be provided. It means if the value of the gold pledged as collateral is INR 20 lakhs, then the student can get 75% of 20 lakhs as an education loan which equals INR 15 lakhs.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705560326165\"><strong class=\"schema-faq-question\">What is the interest rate on gold loans for education?<\/strong> <p class=\"schema-faq-answer\">The interest rates are as low as 8.28% p.a, however, it depends on the lender and other factors like the LTV ratio, gold market price, and loan tenure.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705560334115\"><strong class=\"schema-faq-question\">What is the maximum repayment period on a gold loan for education?<\/strong> <p class=\"schema-faq-answer\">The maximum repayment period is 24 months (in the case of EMIs) and 6 months (in case of lump sum repayment).\u00a0<\/p> <\/div> <\/div>\n\n\n\n<p>This was all about gold loans for education. It is an option to consider with the number of advantages it offers and the minimum documentation required which helps in the easy approval of education loans.&nbsp;<\/p>\n\n\n\n<p>To know more about <a href=\"https:\/\/fly.finance\/blog\/?s=education+loan\"><strong>education loans<\/strong><\/a>, the loan application process, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>international bank accounts for students<\/strong><\/a>, forex and banking experience for global students or <a href=\"https:\/\/fly.finance\/blog\/money-transfer\/\"><strong>international money transfers<\/strong><\/a>, reach out to our experts at 1800572126 to help ease your study abroad experience.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background\"><tbody><tr><td><strong>Related Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/how-much-cash-you-can-carry-abroad-legally\/\"><strong>How Much Cash You Can Carry Abroad Legally?&nbsp;<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/rbi-ombudsman-scheme\/\"><strong>RBI Ombudsman Scheme<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-defaulter-legal-action\/\"><strong>Education Loan Defaulter Legal Action<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" 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class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Gold Loan for Education: Pursuing higher education in India or abroad often comes with financial challenges. Thus, aspiring students opt for education loans from financial institutions like banks and NBFCs to overcome the financial aspect. In recent years, gold loans for education have gained significant popularity due to lower interest rates. Education loans against gold &#8230; <a title=\"Gold Loan for Education: Interest Rate, Eligibility, Documents\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/\" aria-label=\"Read more about Gold Loan for Education: Interest Rate, Eligibility, Documents\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":9637,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-9633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Gold Loan for Education: Interest Rate, Eligibility, Documents<\/title>\n<meta name=\"description\" content=\"Know all about one of the most flexible 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Finance"},"image":{"@id":"https:\/\/fly.finance\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fly.finance\/blog\/#\/schema\/person\/1f13adc00f6f67e7ed5a2fb5e97bfec6","name":"Shubhika Garg","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/df0315e532cdf62ee7275a4a65914c25f90ec1b0b137b1bf0bbca958325909f8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/df0315e532cdf62ee7275a4a65914c25f90ec1b0b137b1bf0bbca958325909f8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/df0315e532cdf62ee7275a4a65914c25f90ec1b0b137b1bf0bbca958325909f8?s=96&d=mm&r=g","caption":"Shubhika Garg"},"description":"Hey there! I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560289791","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560289791","name":"Can gold be used as collateral for education loans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, an education loan against gold can be considered. In such a case, the gold pledged to the bank acts as collateral for an education loan.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560309627","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560309627","name":"Which choose a gold loan for education?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Gold loans for education are one of the most flexible and better alternatives to finance your study abroad dreams as the interest rates are low and there are no pre-closure charges. Also, there is no guarantor required and no CIBIL check takes place.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560319065","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560319065","name":"How much education loan can I get against gold?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A loan of a maximum of 75% of the gold pledged can be provided. It means if the value of the gold pledged as collateral is INR 20 lakhs, then the student can get 75% of 20 lakhs as an education loan which equals INR 15 lakhs.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560326165","position":4,"url":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560326165","name":"What is the interest rate on gold loans for education?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The interest rates are as low as 8.28% p.a, however, it depends on the lender and other factors like the LTV ratio, gold market price, and loan tenure.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560334115","position":5,"url":"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/#faq-question-1705560334115","name":"What is the maximum repayment period on a gold loan for education?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The maximum repayment period is 24 months (in the case of EMIs) and 6 months (in case of lump sum repayment).\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/9633","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=9633"}],"version-history":[{"count":6,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/9633\/revisions"}],"predecessor-version":[{"id":12904,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/9633\/revisions\/12904"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/9637"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=9633"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=9633"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=9633"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}