All gold valuables can be pledged for a loan. The purity of the gold will determine the loan value. For instance, coins and gold bars have more value as they come with higher purity. In case of gold jewellery studded with precious stones, only the value of the gold component is considered. \r\rSuppose you have 20-karat gold jewellery in which 10 grams is pure gold and 4 grams is made up of silver, gems, etc. Then, at the time of evaluating the jewellery for a gold loan, the value of only 10 grams of pure gold will be considered.