Crediting of rest in our country exists five years. First in Russian market company " World of Aeroflot " and bank " Russian Standard " have suggested to buy round on credit. There was such program in 2001 and, according to developers, has caused big interest. However given service has not received further development, and for today of similar credit programs a little. Neediness of such crediting affects: banks do not have mechanisms of return of loans. For example, if crediting goes on any goods, it in case of a non-return can withdraw. In case of "tourist" credit to withdraw there is nothing, except for pleasant impressions of rest. Therefore today to borrower not so simply to find bank financing rest.

Many large travel agencies offer round by installments. Such scheme provides entering by client of an initial payment, it is possible to pay other part parts, main thing it to make about day of departure. If to borrower to wait it would not be desirable, it is possible to go and on a return way: first rest - then money.

Interest rate under such credit in many respects depends on currency in which loan is done. Basically rate below if credit undertakes in a foreign currency - from 11 % annual. percent also depends on term, but to a lesser degree, than from currency. Usually borrowers take credits for small terms: from three months about one year. For this time it is possible to pay off for rest in past to year and to take following credit for rest in new. - not maximal term, payments it is possible to stretch year for three years and even for five years.

Proceeds of credit on a trip can stand out as cash, and to be transferred into account round-operator, that too very conveniently borrower - does not have superfluous efforts. It is necessary to mean, that total sum of credit for travel can exceed cost of permit. Therefore, having taken credit for a greater sum, it is possible to dare to have a rest "in a big way". most "running" sums on travel - up to 100 thousand roubles, but can be and greater on size loans.

Additional payments are present, as well as in other kinds of crediting. Banks can take a payment for one only consideration of application for reception of credit (about 500 roubles) and for opening of loan account (from 500 roubles). Practically all banks take commission for delivery of credit (100-200 dollars). Some credit organizations take also annual commission for service of account which can be raised in form of percent added on rest of a duty under loan - from 1 up to 5 % annual (there are offers and for 12 %). bank can demand from borrower life insurance and from disability, as, for example, bank " Sos`ete of Jeneral East " (BCJE).

Many banks give borrowers a credit card of international sample. So, BCJE offers VISA Classic, and "Finansbank" - CardFinans Classic with an initial credit limit of 10 thousand roubles. Convenience of use of such card on distant trips indoubtedly. First, through border it is possible to carry a card with any sum - anything to declare it is not necessary. Secondly, after it it is possible to remove cashes in cash dispenses worldwide, and also to pay to goods and services as in Russia, and abroad. If a card to lose, money from account will not disappear anywhere. main thing - in time it to block. However, accepting such card in a gift, it is necessary to familiarize closely with conditions of its use and first of all to specify sum in which service of such card will manage. For example, in "Alpha-bank" if credit is quickly repaid, it can be interest-free.

Total cost of credit round can be calculated easily: we take credit at a rate of 30 thousand roubles (a dollar equivalent) for 12 months.

In "Finansbank" it "will pour out" in sum of 2800 roubles of monthly payments and single payment in view of all commissions in 4100 roubles, that is overpayment for a year will turn out 7700 roubles (25,6 % of an overpayment). By means of such credit it is possible to buy permits in any travel agency.

In BCJE at dollar credit ( rate of 16 % annual) monthly payment in a rouble equivalent will be made with 2650 rbl., in single payment in view of insurance (30 dollars) - 4000 rbl. and general overpayment for a year about 6700 roubles (22 % of an overpayment). But here credit will be given only to those who makes out permit in tour agency with which bank cooperates.

In Impeksbank standard conditions of crediting are rate of 11 % annual in dollars and monthly commission of 0,55 % for conducting loan account. Monthly payments will be made with 2876 rbl., and an overpayment for a year 4512 rbl. As exists special programs with a number of tourist agencies within half a year where initial payment and an overpayment under credit make 0 %, in this case travel agency pays to bank percent under credit for having a rest, doing discount for permit.

Therefore before to take credit, it is necessary for borrower to study closely credit contract and to count up, in what sum to it there will be these additional payments. To take credit under higher interest rate, but with minimal commissions sometimes more cheaply. To save it is possible, having raised a level of rest, for example, if in BCJE to take credit for a greater sum (from 3000 dollars) interest rate will make already 13 % in dollars.

Julia Vakhrushev, director on work with clients of company " Aurora Intur " so estimates clients-borrowers, wishing to take advantage of similar service: " If to speak about people, using this service, they provided enough. And generally credit undertakes not to Turkey and Egypt, and on beach rest in European countries, for example on Azure I protect France ".



  Source: Info Cash Loan (21.12.2006)