Jewel House Gold loan vs selling gold in an emergency? Selling gives you the full gold value, no interest, no EMI, and no auction risk, while a loan gives only 75-85% back. www.jewelhousechandigarh.in Gold Loan vs Selling Gold: Which Better in Financial Emergency? Gold loan vs selling gold in an emergency? Selling gives you the full gold value, no interest, no EMI, and no auction risk, while a loan gives only 75-85% back.