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.