In other times, traveling was a rather elitist attitude and it required a good financial capacity so that the whole trip would be removed before it even happened. Currently, however, this has changed since there is the mode of travel loan. Your dream is to know Europe? Or maybe explore Brazil? Whatever fate you want to know, the travel loan is a viable option for you to fulfill your dreams. To do this, learn how to get this loan, read our post:
Adapting to different consumer needs, many institutions offer travel financing options, ensuring that you can make the dream trip without having to pay everything in sight.
Usually this mode of travel loan works to finance a percentage of the total amount of the travel package and has a term that can reach up to 48 months, for example. The first payment can also be made, usually, 15 to 90 days after hiring this type of loan.
It is important to note that, with exceptions, no additional expenses are included, such as expenses with possible purchases to be made at the desired destination. The lodging, on the other hand, can be included in the package, as well as specific tours.
This type of loan is not available at all financial institutions and therefore it is necessary for you to know where you can hire. Bradesco, for example, offers loan options for leisure travel and also for congressional exchanges and trips.
Santander, on the other hand, does not offer specific travel credit, but it has an exchange service for individuals. Itaú offers both a travel loan and an investment planner for travel, while Caixa offers options for young people, business people and people at the best age.
To get a loan to travel you should start by choosing which financial institution to apply for and then to contact. Some offer online simulations that serve as a proposal, such as Bradesco, and others require the request in person, as is the case with Itaú.
As for the documentation, it is usually necessary to present a proof of hiring or commitment of the travel package in order to guarantee the value that will be required for the investment. Personal documents such as RG and CPF are also required and upon a credit analysis the funding is released so that you can make the trip of your dreams.
Although a travel loan is a good idea to dilute the impact of a more expensive trip, it is critical that you plan properly to ensure that the journey of your dreams does not turn into a monthly nightmare with the installments of the financing. So before packing make sure to leave your financial situation in order for you to be able to effectively absorb the impact of that credit grant.
The loan to travel is a great option for those who want to be able to know new places, but do not have all the cash in sight to make the payment at once. In order to obtain this loan, it is necessary to find a financial institution that offers this modality and, upon presentation of the desired package, submit its credit for analysis and possible approval. From there, just pack and have fun, but do not forget that when you return the payment of that dream will be waiting – then organization is fundamental.