How to apply for a travel loan? What are the problems with tourism loans?

Materials needed to apply 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 recent water and electricity bills);

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 permit, payroll, passbook or other valid certificates);

6. If applying for a loan by way of pledge guarantee, it shall submit the pledge of the rights required for the guarantee, and if it is pledged by the rights of a third party, it shall also provide the identity certificate of the obligee and the pledge power of attorney;

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.

Problems that borrowers should pay attention to when applying for travel loans.

Apply for a loan according to your own needs and situation. The loan is not applied for casually, and the loan must be repaid. Lenders should not blindly lend money, resulting in excessive economic pressure on themselves.

Keep a good credit record. 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.

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. Auction loan data shows that the interest rate of tourism loans is generally 12%.