What is a travel loan?

Can I apply for a travel loan during the Spring Festival? What are the conditions?

There will be a seven-day holiday this Spring Festival. Many people not only choose to spend the Spring Festival at home, but also some people choose to spend the Spring Festival while traveling. On the one hand, I want to take advantage of the seven-day holiday to go out for a walk. On the other hand, I can feel different ways to celebrate the Spring Festival with my family and friends. However, the expensive travel expenses make some people stop and can only beat around the bush. In this kind of problem, you can travel.

Solve. Today, we will apply for a popular science tour.

Required materials and precautions.

What is a travel loan? A travel loan is a travel expense loan issued by a lender to an applicant. Travel expenses refer to the total amount of travel expenses such as transportation expenses, accommodation expenses, tickets, services and related expenses involved in tourism projects handled by specialized tourism units and designated by lenders. During the Spring Festival, various tourism products of major travel societies attract tourists and travel.

There will also be corresponding discounts.

I. Materials to be prepared for applying for a travel loan

1. Fill in the application approval form;

2. Your valid identity document;

3 proof of residential address (including household registration book and water, electricity and gas bill);

4. The Travel Agreement signed by the borrower and the travel agency and the first travel payment receipt certificate issued by the travel agency.

5. Work income certificate and basic information of family members (work certificate, payroll, passbook or other valid certificates);

6. To apply for a loan by way of pledge guarantee, the right pledge required for the guarantee shall be submitted; if the right of a third party is pledged, the identity certificate and pledge authorization letter of the obligee shall be provided;

7. To apply for a loan by means of a third-party guarantee, a written document that the guarantor agrees to provide the guarantee and a credit certificate of the guarantor shall be submitted;

8. Other information required by the lending institution.

Two, the borrower should pay attention to the problems when applying for travel loans.

1. Apply for a loan according to your own needs and conditions.

As we all know, loans are not applied casually, and they need to be repaid. Borrowers should choose appropriate loan products according to their own needs and actual conditions to avoid excessive economic pressure.

2. Maintain good credit.

When borrowers apply for travel loans, banks or financial institutions will check and evaluate personal credit records. If you have a bad credit record, you will not be able to apply for a travel loan. Therefore, a good credit record is a prerequisite.

3. Loan according to your repayment ability

When borrowing money, the borrower should calculate his repayment ability according to his income, so as to know how much he can borrow. Don't pursue a large loan beyond your ability in case you can't repay it on time.

What is a travel loan?

Hello, our personal consumption loan is a loan issued by our bank to natural persons, which is based on the settled property with complete documents and is used for personal or family legitimate consumption purposes such as car purchase, decoration, education, bulk consumption shopping, tourism and so on. , and no discovery money was issued. If it is a travel loan, you need to show the travel contract with the travel agency, and the funds will be credited to the travel agency account. When applying, you need to provide personal information and proof of specific use of funds to the personal loan department. At present, this business has not been carried out in some cities. You can tell our online customers the name of your city, and we will help you check whether this business is started locally (customer service online; Logincmu=0). Thank you for your attention and support!

What is a travel loan?

Travel loan is a personal travel loan. As the name implies, it is a loan issued by the lender to the applicant for travel expenses.

Is the travel loan a consumer loan? Application process and product introduction!

With the continuous improvement of people's economic level, more and more people begin to travel abroad and visit relatives, but tourism has always been a high-consumption project. What if you have limited funds and want to go somewhere special? There is a new personal travel loan in the financial industry, so is this a consumer loan?

First, the introduction of tourism loans.

Many banks have developed tourism loan projects, which belong to consumer loans. Specifically, it refers to the special loan for tourism issued by the institution to the borrower, which generally includes the total travel expenses consisting of transportation expenses, accommodation expenses, tickets, services and related expenses.

Generally speaking, the minimum amount of this kind of travel loan is 2000 yuan, and the maximum amount varies according to different banks. The maximum amount of loans for individual tourism consumption is 50,000 yuan, and the maximum amount of loans for individuals and their family members is 654.38+10,000 yuan.

Second, the tourism loan process

Take Ping An Bank as an example.

1. The borrower's application is reviewed by the branch manager of the savings office, reviewed by the head of the retail business department of the branch, and finally approved by the branch president (director).

2. The bank will give the approval result within 3 working days after receiving the complete loan application.

3. Sign a loan contract that meets the requirements.

4. If the right is pledged, the lender shall also sign a guarantee contract with the guarantor and go through the underwriting procedures.

Third, tourism loan products.

New loans of Ping An Bank:

Loan amount: 300,000 to 500,000.

Monthly loan interest rate: 1.2%- 1.8%.

With or without mortgage: without mortgage or guarantee.

Loan term: 12 months, 24 months, 36 months and 48 months.

Repayment method: equal principal and interest or average capital.