On this loan the borrower will require proof of income for Help 2-PIT or in the form of a credit institution. In addition, you may need and a copy of employment record, certified by the employer. For loans that require verification of income, the average rate is two times lower than in express loans – 19% per annum, but to wait for the bank to take a credit decision will have longer – at least a day. “In our review of the bank loan application is made within 7 working days after submission of complete package of documents”, – says the head of the credit department on work with physical persons, “MOSOBLBANK” Olga Lutz.
However, going to the bank may not be in vain. For example, the credit for the rest of the BSGV suggests a mixed option: cost of the permit is transferred directly to the account of the tour operator, but the extra money “on the road” can be taken in cash. Thus, the loan amount can exceed the cost of the permit. The average loan in BSGV – 200,000 rubles, it is usually issued on the 36 months, but extinguish prematurely.
Co-branded card of the bank and tour operator
It might be handy for those who are going to repay the debt over the next month or two. After all, the main advantage of turkreditov that can reconcile the customers with high stakes – a short term lending. Most borrowers pay for turkreditu six months or less. In this case, the amount of the overpayment, even at fairly high percentage of relatively small turns. However, almost all the banks, with few exceptions, set the 3-month moratorium on repayment of the loan and still have to overpay. Out of the situation – tourist card that provides interest-free grace period.
Co-branded cards have another advantage – they allow you to accumulate points and to pay them for services and tickets. But such proposals are rare and the banks do not hurry to associate their brand with tour companies. The most notable kobrendom in this segment before the crisis was a joint card Citibank and “Kuda.ru” (now there is). Mass, this segment did not become: a half years has received more than 50,000 applications and 30 000 of them were satisfied, said the head of department of the credit card business, “Citibank” Peter Karpov. A small demand is also due to some inconvenience for customers who are limited in the choice of tourist services only company. “ROSEVROBANK” offers two co-branded card – with the “Astravel” and “Natalie Tours”.