Travel – a fascinating process, but very expensive. Therefore, banks are developing a special credit to pay for trips that can travel around the world, not thinking about the financial side. Financial conditions for such programs are no different from ordinary consumer lending. Differs only in time for consideration of an application client for the provision of credit, over which the traditional test creditworthiness of the borrower – here this term is much smaller. The borrower may not apply directly to the bank, any travel agency partner bank will take an application and apply for a credit. Naturally, the tour have to buy in this agency and it is for the prices to be offered. To receive credit for the trip must issue a travel company account for non-cash payment vouchers showing payment details of the tourist company, and then apply to any bank branch, fill out a loan and grant this account. Loan fees paid one-time payment, the commission for loan application, which non-refundable in case of refusal to grant credit.
As part of the holiday credit borrower can get not only credit for the holidays, but the discount travel agencies, as well as to accumulate the necessary funds to replenished by bank deposit. Credit for the purchase of travel packages available for up to 1 year. The loan amount can range from 30,000 to 150,000 rubles (or the equivalent in rubles and euros), and if the cost vacation package is less than the amount that the bank is ready to give as a loan, a borrower can use the difference as an additional credit limit for your credit card. The loan rate "on travel" 20% per annum in rubles and 14% per annum in foreign currency. If the rate is lower, eg 12% per annum, the borrower pays the additional debt service – 1% per month on the loan amount. Repayment holiday loan can be done in a period of six months to a year. As security for the loan guarantee is enough per person.
Repayable in equal monthly installments, and possibly early repayment. To obtain a loan must apply, which the bank will consider in a single day. When a loan customer joins one of the tariff plans of the bank on it (the client) will. Well, dear reader, summer is coming, the sea calls, study credit offers from banks and routes of travel companies, prepare documents, arrange the loan and go for new experiences! Why live if you do not live at 100%? Relax!