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It's a hot time when many citizens go on vacation to spend their time either on vacation at famous resorts or to travel on a cruise on a ship. Summer has always been associated with water, so people choose vacation spots near seas and rivers. But sometimes there is a lack of accumulated money for such a desire. And many people ask the question: Is it possible to find it? banks for lending and take out a vacation loan? Answer: Yes.
Design features are taken for vacation or travel.
In order to get credit money for vacation, you can conclude one of the agreements:
- a targeted loan, when the money can be spent only on travel or recreation (for example, to purchase a ticket from a travel agency). The disadvantage will be that the money is not issued for personal needs (for example, for the purchase of souvenirs).
- take out a loan for urgent needs. When securing such a loan, you can get the money in cash and spend it as you see fit.
Let's consider the first option in more detail. You can take out this loan at the office of a banking organization or at a travel agency. Checking the client and making a decision on issuing a loan usually takes place in the shortest possible time (one day), but it can take up to 3 days.
Requirements to the borrower, put forward by the financial company:
– having a passport with permanent registration in the region where the bank is located. The loan can be issued with a temporary registration, but it must be at least 6 months.
- attainment of age, usually credit institutions work with clients older than 23 years, considering the age from which a person fully realizes all responsibility for the obligations he has assumed, regarding the payment of the loan. The maximum bar reaches 70 years.
- a certificate confirming the solvency of a citizen for a specific period of time. Usually, this is a 2-NDFL certificate, but it can also be a certificate in an arbitrary form, issued by the employer.
- copies of the employment book, experience at the current place of work must be at least 3-6 months.
– second identity document (foreign passport, driver's license and other types of documents).
- SNILS, INN. One of these documents is needed to compile complete financial information about the future client.
- sometimes, the bank requires to provide documents of ownership of real estate or a car and land. This is done in cases where there are doubts about the borrower's solvency.
A vacation loan is short-term and is usually made for a period of several months to one year. The maximum amount is up to 100 hryvnias. The average interest rate on the loan varies between 000-16%. In some cases, banks do not pay the entire cost of vacation or travel, but ask the client to pay part of the ticket, usually it does not exceed 28%. Upon payment of the initial payment, the client can receive a discount from the travel company when purchasing a ticket and various gifts.
