If you want to go on vacation on a trip, but there is no extra money, you can relax on debt. Many travel agencies, together with banks, offer customers an installment plan or travel loan.
Often, an installment plan of up to six months is presented without interest. The initial payment is usually 10 to 30% of the tour price, but sometimes it is not required.
Loans for up to 18 months are issued at 24-30% per annum. That is, the voucher will cost you 1/4 more than the nominal value.
Requirements for a borrower are mostly standard, they are age from 20 to 66 years, the presence of Russian citizenship and a permanent place of work, a positive credit history. The bank usually considers a borrower, presented by a travel agency, within 15 minutes to 3 days.
You can also choose a credit institution with the lowest rates on your own, take a loan from it and buy the tour you like. To save money, follow the offer of travel agencies.
You can go as a savage. This also has its advantages. Traveling on your own, you have complete freedom of movement and choice of services at the place of stay. And in order not to carry cash with you, you can transfer the loan amount to a plastic card. But it is worth considering a number of points.
- Find out from the bank what percentage is taken for foreign exchange transactions in a particular payment system.
- How many stages will the currency exchange process take if you withdraw money in a specific country. For example, you have a ruble account, and the system works with dollars. In order not to pay a commission for transferring rubles into dollars, and then also into euros.
- If it is impossible to reduce the number of conversions, it is better to open several accounts in different currencies and link them to the card.
And, of course, it is safer to have several cards with you. It happens that cards are blocked by the payment system due to a misunderstanding. And, in the end, sometimes they get lost. It is worth foreseeing all situations.
