Sberbank travel loan. Credit for rest: features and benefits. Credit registration in travel agency

Today, to afford to accumulate on a journey can not every citizen, especially if you plan to relax with the whole family. Tours across Russia grew in price, but there is nothing about traveling abroad and talk. A good exit from the current situation can be a trip loan taken in Sberbank on preferential terms. Let's find out whether Sberbank offers such a credit product and how profitable to take it.

Among the existing credit proposals of Sberbank, you do not nide the target loan intended for travel. This can be seen by visiting the official website of the credit institution. What then to do? Contact another bank? Do not hurry with conclusions. We look at the inadequate consumer loan, which is being offered today in Sberbank.

• The loan amount can reach three million rubles.
• The minimum rate can be 12.9% per annum.
• The contract can be concluded for up to 60 months.
• The term of consideration of the application is not more than 2 business days.
• The application may be filed without visiting the bank office.

Note! Conditions for the loan for a particular client are established individually based on the level of its income, credit history provided by the package of documents, etc.

As you can see the interest rate is much lower than in most banks, and the maximum loan amount is simply astronomical. In addition, if you are a salary client of this credit organization, you can apply for individual conditions. In another bank, you are hardly offered to you. Conclusion: Despite the fact that in other banks there are targeted credit proposals for travel, the conditions are worse on them than on the non-target loan of Sberbank. Should I run away from the native bank?

Is it possible to pay a tour credit card?

The owners of banknotes PJSC Sberbank are provided with tempting the opportunity to pay a credit card tour. At the same time, significant bonuses are charged on a credit card up to 10% of the amount spent on the tour and the client remains a grace period, which reaches 50 days. In these 50 days, interest is not charged in the amount of the loan, and if the client has time to return money on time, he will not overpay any extra penny.

Suppose the client paid for a tourist trip for 10 days at the very beginning of the preferential period. Two days later, he went on a trip, rested 10 days, and then returned back. Considering that another day he went on the road to the place of recreation and back, from the moment of acquiring a ticket passed only 13 days he had another 37 days to repay the debt. The term is quite compressed, but you can have time.

In fairness, it should be said that Credit Cards PJSC Sberbank do not have the longest preferential period. You can choose a credit card or the so-called "installment card", which has a much longer grace period. We give examples.

1. "Halva" manufactured by Sovcombank. Its credit limit reaches 350,000 rubles, quite enough for a private journey, while Grace period lasts a whole year. If you order a map before a trip, then you will have a whole year ahead in order to pay the loan. If you do not have time to meet in 365 days, then a loan is charged 10% per annum.
2. "Conscience" manufactured by Kiwi Bank. Almost the same conditions on it both by the above map, the difference is only in credit limit. Here it is not 350, but 300 thousand rubles.

Installation cards Halva and conscience do not require service payments, in addition, free services are attached to SMS-alert.

1. "Element 120", which is released by the bank. The credit limit on it is significant and is 500,000 rubles, and the Grace period lasts 120 days. The rate is 27.9% per annum.
2. Banknotes alpha bank. It can not pay percentages up to 100 days, limit 300 thousand, in case of debt non-payment within the grace period of 23.99%.

Credit in a bank or installment at the tour operator?

By the way, you can generally not take a loan for a ticket to Sberbank, but will contact a tour operator who will offer a special installment. For example, when contacting the tour operator, which is called Coral Travel, you have the opportunity to receive installments to three hundred thousand rubles for a period of half a year. But there is a prerequisite: installments are provided if you pay at least 20% of the cost of the tour.

PEGAS Touristik offers issuance of vacation loan to Alpha Bank. At the same time, the loan amount can reach 300,000 rubles, and the repayment period is permissible to stretch for three years from 33% per annum.

Summing up, we note the loan for a ticket in Sberbank is quite profitable, but this is not the best option. By simple calculations, we come to the conclusion that you need to make a map of installments on the sea on the day before, and then within a year it is calculated on it without any percent. At the moment it is objectively the best offer.

With the onset of spring heat, many people began to think about the question: "Where to go to relax?". Naturally, everyone will solve such a question based on their material situation. But how to be if, I want to visit, for example, exotic countries, and there is no money for rest. A loan can come to the revenue. However, before going to the bank is to weigh all the "for" and "against", and decide whether such a loan is necessary.

Among the variety of proposals that encourage people to rest now, but to pay later, it is worth noting that some offered a loan, while others are installments. The difference between these concepts is essential, and can be calculated by several hundreds of thousand rubles. It all depends on the appetites of travel agencies, banks, as well as the holidays themselves.

Usually rest in installments can offer travel firms. While the loan will have to pay with the bank. Accordingly, the difference will be in the amount of interest that the rest will pay.

The main advantages and cons of rest on credit can be tracked in the table:

The holiday season is the time not only for a full-fledged rest, but also the time when banking institutions can work well, offering to issue a loan for rest to customers.

Programs offered by banks, in most cases, remind all the same consumer loan. The only difference from ordinary lending is the name of the product. Clean the Customer's Cash can be spent both on the ticket, and for small spending during the journey.

See also:

When it is more profitable to take a vacation in 2019 or from 28 days of vacation to make 40?

To make a tour on credit enough to come to the office of the bank, and provide the necessary package of documents. Below is a list of the best suggestions for the summer of 2017.

The table does not contain an exhaustive list of credit banking proposals, but it contains the most profitable offers for those who want to rest on credit.

Analyzing bank offers can be concluded that some are offered to take a cash loan, while others are a map. What is the difference between these two products known to everyone, but what of them will be most beneficial when traveling? To answer this question, you must compare the benefit when traveling from a credit card and cash loan.

See also:

Determine where it is better to take a mortgage loan

As can be seen from the table. Benefits have both products, however, it is much more profitable for traveling for a cash loan. Credit card can also be useful. But it is necessary to use it only in extreme cases, for example, when the money ended, and upon returning home it is possible to make money before the expiration of the grace period.

What bank card will help to relax

As noted above the trip best don't take cash. They should be placed on the map. In order for the plastic card to be just a wallet, and helped to relax, it must comply with the following criteria:

1. Map must be registered with the chip. The manufacture of such plastic will take a period of up to two weeks, so it should be ordered in advance;
2. Best if it is gold or platinum. The presence of such a parameter allows you to get a lot of pleasant discounts and bonuses abroad. For example, when refueling a car, or visiting the theater, etc.;
3. Special attention should be paid to the payment system. It must be remembered that Visa and Mastercard. - two systems that not only act around the world, but also can provide users with additional bonuses;
4. Much attention should be paid Not only the selection of the country in which the vacation is planned, but also its currency. Many banks promise profitable conversion courses. However, situations should be avoided in which double conversion is applied. For example, from the ruble per dollar, and from the dollar for local money. In this case, the exchange will be disadvantageous;
5. It is better to take advantage of special offers. Financial institutions are developing card products based on their use while traveling. For example, TinkoffBank has developed a whole line of plastic cards, which can be obtained by round-the-clock technical support even abroad, receive discounts and bonuses, participate in promotions, and place insurance as a gift.

For the first six months of 2017, more than 17 million Russians went on vacation. In 2016, vacation could only allow 13 million inhabitants of the country. It says that people are not ready to save on tourist trips.

Confirms this and statistics of credit institutions. In the MFI "Home Money" in the season of vacation, every tenth of the loan is issued for rest.

Today we will talk about where to take a loan for rest. Consider the pros and cons of such loans and get acquainted with the top 6 banks, ready to issue a journey.

What are the benefits?

We studied tours on credit and allocated their following advantages:

• fast clearance - loans for rest are small (up to 100 thousand rubles) and banks check the borrower less thorough
• available by any wishing - financial institutions will not focus on
• many ways of design - a trip loan can be obtained on a map or cash.

Those who have already enjoyed loans for tourist trips, appreciated their advantages and referred to loans. After all, sometimes they allow you to relax cheaper.

For example, if a tour operator has a burning ticket, but now it is not, you can take a loan and purchase a tour at a bargain price. If you use the credit, you can have time to pay off without overpayment.

What are the shortcomings?

Cons recreation abroad on credit We also found:

• high risks - the borrower may not go rest: due to not approved visas, problems at work or because of a cold
• a high percentage - if you take a cash loan, then the bets begin from 25-30% per annum.

From the risk to get a loan for rest and not to go on a journey there is defense. Banks offer to arrange insurance from the unbearable. But these are additional costs: it can cost up to 20-30% of the loan amount.

Where will the loan?

We analyzed the proposals of banks and highlighted the top 6 proposals for travel loans.

Consider them.

#one. Renaissance Credit

Special loans for those who want to go on vacation, in Renaissance Credit. But there are two interesting credit programs for any customers.

The first is "on urgent goals." According to it, the following conditions apply:

• rate - from 19.9 to 25.7% per annum
• credit limit - from 30 to 100 thousand rubles
• term - from 24 to 60 months.

The second is "more documents - below the bet." Conditions are as follows:

• rate - from 11.3 to 25.1% per annum
• credit limit - from 30 to 700 thousand rubles
• term - from 24 to 60 months.

If we make an application for a program on the program "On Urgent Goals", then the money will be issued in an hour. And using the offer "More Documents - below the bet", you can get a loan for a large amount and go on a long trip.

Requirements for borrowers on both programs are the same:

• citizenship of the Russian Federation
• age - from 24 to 70 years (if you are already a "Renaissance" client, then a loan will be approved from 20 years)
• registration in the Company's Presence Region
• permanent employment (from 3 months in last place)
• minimum official income - 12 thousand rubles per month (in Moscow), 8 thousand rubles (in the rest of the regions).

Documentation:

• passport of a citizen of the Russian Federation
• second document to choose from (driver's license, SNILS, INN, bank card with name, university diploma and others)
• employment document to choose from (Help 2-NDFL, copy of the employment record)
• document on solvency to choose from (paper on car, real estate, statements from accounts in other banks).

Until March 30, the Touch Bank has an affiliate action with the Anywayanyday service. If you have time to get a map before this time and buy a tourist ticket on Anywayanyday, get 3000 rubles to a bonus account.

Conclusion

The proposals that banks today have, allow you not to postpone vacation in a long box. It often finds itself more profitable to make a loan and purchase a cheap burning ticket than to save and buy a tour to the "high season" when it costs expensive.

Especially on loans you can save: a lot of credit cards with a grace period on the market. For example, on the Alpha Bank card, you can not pay interest 100 days - more than 3 months. And the "Halva" has partners who give installments for a year!

Together with loans for rest, banks often offer pleasant bonuses. On the Tinkoff All Airlines Cashback card reaches 10%. If you regularly use the card, then you can forget about traits on travel flights: Tinkoff All Airlines pays them for you.

Is it worth buying a voucher in installments and generally take a trip loan? This question is asked by many, facing the problem of a lack of money and a lot of desire to go on vacation.

Opinions on this distance are different. Some believe that it is necessary now and here to satisfy their desires and do not see anything terrible in vacation installments. Others, and among them, most of the experts on finance and planning the family budget are extremely negative about the idea of \u200b\u200b"relaxing". Explaining its position not only by material costs, but also psychological and emotional reasons.

Well, for example, you have satisfied your desire now, I went well, I had a good pleasure. So what is next? Returned - there is no money, on the nose payments to the bank. All pleasures from the trip and recreation is already far behind, and in the present mood due to the prospects for the return of debts.

This is the difference between the loans for rest, for example, from a loan for the purchase of a car (we also return money on a loan, but we already go on our own car, we do not use public transport and get pleasure from this). Or from buying an apartment in a mortgage: We will still pay for a long time, but now we live in the apartment of your dreams.

A trip loan makes sense when:

• the need for rest arose emergency (there is no longer the strength due to fatigue and overwork), and there is no means at all. In order to recover faster and return to normal efficient work (including to try faster to work out money spent on vacation), it makes sense to postpone the rest. After all, the benefits at work from the tired man minimal, and harm to health is obvious;
• there is no money on vacation yet (but they will definitely be in a couple of months), and on vacation send now. It is not necessary to postpone the rest in this situation, because with a rapid return of borrowed funds there will be no problems;
• "Light" tour (turned up a favorable version of the trip, and there is a little lack of money).

Suppose we just have one of these situations.

Where and how to make a loan on vacation?

There may be several options:

• We decorate tours on a credit in travel agency (The scheme is similar to the shipping scheme of goods on credit in stores).

We choose a tour, write a statement on credit to a bank partner of travel agencies. The main payment is made immediately at the expense of travel agency, some part of the cost of the tour (for example, 10%) is paid from the customer (initial fee).

The procedure for designing such a loan is very fast (within an hour) and is beneficial for the design of the "burning" tour, when money is needed very quickly. But more nevertheless in this option of minuses: there is no possibility to choose suitable loan conditions and a suitable bank, and percentages are usually as much higher.

• We draw up a target loan for rest

Some banks offer such credit programs. In this case, the order of action will be different. First, choose the bank, with the conditions that arrange us for the loan design, and Tourputevka will be purchased at one of the bank's partner travel agencies.

Overpayment in this case can suck you when buying a tour (if you yourself choose a travel agency to book hotels and tickets, perhaps would have spent less).

• We draw up a regular consumer loan

Why can it be profitable? Contrary to logic (the target loan should be more profitable for consumer issued for any needs), often the consumer loan in fact is obtained by the most profitable. This is due to the fact that the number of banks that give consumer loans, very large, credit programs are very different. Banks that give target loans for rest, not so much.

These programs differ and the term of credit is issued. Consumer credit, as a rule, can be issued for a long time, which will allow you to return money to a small amount monthly. Credits on vacation are usually provided for a short time: from 3 to 12 months and less often - up to 18 months.

Making up consumer credit, more opportunities to analyze and compare the conditions and rates both by consumer loans and on the target for rest, and choose the most favorable options. Having money on the hands, you can expand the search tour in different travel agencies. Or do it without them without them and buy tickets and book a hotel yourself.

The only inconvenience may occur if you want to issue such a loan in order to buy a "burning" tour. By time here can do nothing. The loan application in this case is considered, as a rule, several days.

• We use credit card

This option is quite acceptable if money to pay for the journey (to place a visa, book a hotel, tickets), in advance and subject to the timely return in the preferential period, during which, as you know, the interest is not taken for the use of a loan. This period in different banks is different: 40, 50, 100 days.

Credit card with a large preferential period with independent booking is a very good option. It is convenient to pay for tickets to the plane with a credit card, which is at the same time the airline bonus card. This is especially convenient if you often fly by plane of the same airline, for which you get bonus miles that can be used in subsequent trips.

But it is worth remembering that there are some rules when working with credit cards. About Tom, we wrote in one of the articles. The main problem is a violation of a grace period and cash withdrawal in an ATM, for which they will have to pay the bank additionally. And during the design of vouchers in travel agencies, some of them offer tours to pay the card more expensive than when paying in cash.

By the way, the number of cards with the most diverse capabilities and a set of functions that are offered by travelers, it grows every year.

"Advanced" travelers know for sure that one of the ways to save on the trip is to choose the right bank card. For those who do not like to sit at home for a long time, banks offer co-branded cards. Such cards are manufactured jointly by banks and various companies (grocery store, cellular operator, medical center, airline).

In fact, this is an ordinary payment banking card, which can be calculated, but additionally gives it the property owner from the Bank's partners (bonuses, additional services, discounts, gifts).

Since we are talking about travel, let's stop at the cards of this type, which are manufactured in conjunction with airlines (Aeroflot, S7 and others), booking systems (such as Iglobe, providing a convenient service for buying hotels, tickets), car rentals etc.

Calculating such cards for ordinary purchases, not even flying anywhere, we accumulate bonus points and miles (their number depends on the Card category). And going on the journey, they can pay a fully or partially hotel or a ticket.

Bonus miles are also charged for each flight of the Bank's partner. And the more often such flights will be committed, the faster it will be possible to accumulate the desired number of points for a free flight.

And this is not all useful and pleasant functions on travel and trips. Some banks (among them Tinkoff, "VTB24", "Binbank", "Alfa-Bank") produce cards for which you can purchase flights for bonuses in any airlines.

Expansion of bank card functions abroad

Map holders from MTS Bank - MTS Money can connect, going on vacation abroad, the "Travel" option. In this case, the Bank will charge for every 15-20 rubles spent abroad (this value depends on the category of the map) 2 points and another percentage of the average annual amount of points. In the future, when paying for these hotel points, tickets, rental cars, 50 kopecks will be returned to the MTS Money card for each score.

It may be very useful in a foreign trip such services as the accrual of Cashback and bonuses on the co-branded cards on banking operations abroad and the lack of commission for removing cash in the same place. It is very convenient, especially in countries with an undeveloped electronic payment system and where it often requires cash for purchases in the markets, in souvenir shops, in order to give tips.

For traveling abroad, much more convenient and saving immediately open the card in the relevant currency, rather than pay for the purchase and services of the ruble card. In this case, the Bank establishes a special transfer course to another currency or removes the Commission for conversion, which is ultimately unprofitable for the cardholder.

For this purpose, there are multicurrency tourist cards, which immediately open 4 bills: in rubles, euros, dollars and pounds sterling. In this case, when paying for goods or services from the card, funds from the account in the currency in which the payment without any conversion is received. Of course, if there will be enough funds for the currency accounts. Otherwise, there is a write-off from a ruble account with a conversion on the banking rate.

Tourist maps of a premium segment are the greatest interest for tourists and travelers. The higher the category of the card (gold, platinum), the more useful functions and travel privileges in it for its owner.

For example, it can be all kinds of medical or legal support in a foreign trip, access to the business halls of airports, shopping insurance and integrated insurance for traveling, 24-hour concierge services, discounts in hotels and restaurants and other unique and necessary opportunities.

In addition, bank specialists are recommended, going into a foreign trip, order an additional map to the main account in case of any unforeseen circumstances, like blocking the main card, its loss or theft. It is recommended to store it separately. These sets of cards attached to one account are, for example, in the Russian Standard - RSB Travel, in Uralsibe - "The Whole World".

Of course, such cards are useful and even needed if you are often and traveling a lot, take a lot of money. And if you simply make this card just in case, never taking advantage of it, there will be no sense, except for additional costs in the form of payment of the commission for the content of such a card.

So is it still possible to take a vacation loan?

Before you go to the bank, it is worth thinking well: "Or it can somehow save, and well, this loan ..." It is possible if you teach yourself to perform one simple rule: spend less than you earn.

Also, do not be lazy and spend time to pretty planning your vacation. Arrange priorities: What is more important - expensive hotel or something simpler, fashionable resort or country, where holiday is cheaper. It is also worth considering other aspects that will not only help avoid extra spending, but perhaps it is not at all without a loan or to reduce everything to the minimum borrowed amount.

In this regard, unexpectedly, the idea that the philosophy of consumer minimalism (without fanaticism), offered by the authors of the books recently read by me, has a completely real rationale for him. In fact, the realization that we ourselves can choose the lifestyle that we like more. In everyday life, this means - to live is simple and nice. Without a crazy chase for any nonsense from the consumer "paradise", behind endless loans, allowing us to buy even more such things to such things.

The essence of this philosophy is simple: if the awareness of the value of time will come, irrevocably lost on making money to buy dozens of unnecessary things, you can finally learn to appreciate it, consciously dispose of them, spend people and relationships and protect their living space from unnecessary trash. With this approach, it will be possible to spend money on something truly necessary and interesting. For example, go to the same journey.

And if you don't drag with me a bunch of suitcases with things "just in case", which will remain in them before returning home, we can gain both freedom of movement and a lot of new impressions at minimum cost. After all, in order to speak there, our tourists are the best travelers in the world. And the fact that they are independent and "digital" (Russians more than others appreciate access to the free Internet), dreamy and inquisitive, active, lighter and economical, confirm the research data conducted in different countries, on what tourist you are popular Momondo metapoiskovik.

Good luck to everyone!

Summer comes, vacation season, and again in many banks an advertisement of services like " credit for vacation" or " credit for rest". In this article, I want to make a little more detailed on what this service is whether it is worth using, what consequences it can have and what are the alternatives. I am very advised to pay attention and think about all those who are already planning to spend your holidays on credit.

So, what does the service "Credit for rest"? This is the most common, and judging by the proposals of several banks that I viewed before you write this article, its target use is not controlled at all. That is, in fact, the bank is still: Will you spend your money on vacation or, for example, make repairs for them or buy furniture.

In some cases, a cash loan can be issued directly in the offices of the tour operators: there are agents of banks that take documents, send them to the bank for verification and produce issuance, by analogy with loans to buy household appliances in supermarkets. In other cases, this will have to be treated personally into a credit institution.

If we summarize the conditions for obtaining a vacation loan in different banks, then it will be about such a picture:

• Loan amount - from 1 to 3 month income of the borrower;
• The total cost of the loan (including commissions) is from 15 to 30 percent per annum;
• Loan period - from 3 to 6 months, less often - up to 1 year;
• Receipt: Cash, on the map, transfer of travel agency;
• Documents: passport, certificate of income, in some cases - an account from travel agency;
• The initial contribution is usually not required, sometimes 10-20% of the cost of the tour;
• Target use - as a rule, is not controlled, or the act of providing services from travel agency;
• Returns - equal payments per month.

But such loans banks give, as a rule, to their regular customers, for example, which are regularly enrolled. When the bank cannot control the income, or when the borrower cannot officially confirm them, the conditions of a vacation loan are tightened. It grows and reaches tens of percent per annum. Well, people who are accustomed to abuse loans and already have, after receiving bounces in banks, go to take a loan for rest in, where his cumulative value reaches hundreds of percent per annum.

If you delve into the economic essence of rest on credit, it is very simple and comes down to two facts:

That is, if a person or family take a loan on vacation, then either they illiterately distribute their budget, as they cannot accumulate the necessary amount independently, or make the costs that they do not allow themselves or both at the same time.

There is no financial benefit of vacation on credit, only on the contrary: the costs are actually increasing due to overlap. At the best, overpayment for such a loan during its use will be about 10%, and this is already a lot. On the middle, subject to excellent credit discipline and compliance with the payment schedule, the overpayment comes out about 20%, that is, a fifth part of vacation costs. In the worst cases - more or even much more.

Perhaps someone will think that it is profitable - overpay 20%, but "relax, as follows." In fact, there is nothing profitable in this. By analogy, this is the same as you for any goods and services will start paying 20% \u200b\u200bmore, or your income will decrease by 20%. So think: will it be profitable?

Most often, people who take a loan to rest argue it approximately like this: "the accumulation does not work, the money goes everything, nothing remains, and here it is convenient - I took and give up gradually." Think ourselves: why you can't before leaving each month to postpone a certain amount for savings, but can you give the bank every month monthly to pay a loan? Personally, I do not see any logic in this.

Moreover, if you suddenly could not accumulate money, you can and not spend on vacation planned amount, relax more fiscal (). But if you have already taken a loan for rest, then give it to postpone the necessary amounts monthly, you will have to be in any case without options. And if you do not do this - it will arise with all the ensuing consequences.

Therefore, again, think good: Do you act correctly, resting on credit? And then do not say that I have not warned.

Vacation loan is not the only option of consumer lending, which makes significant harm to the financial condition of the borrower's family. There are also, for example, or - similar harmful financial products.

Increase your financial literacy, and use banking services for yourself, and not to harm. Join the number of regular readers of the site, and it will be your faithful assistant in this direction. To new meetings!