Are you trying to make a cash loan for holiday plans? Are you looking for the cheapest cash loan for your 2019 vacation? We offer a solution: a holiday e-credit for a holiday trip. Analysts have been paying attention to the phenomenon of holiday loans for years. Poles, a nation generally unfriendly to loans, have been willing to finance their holiday travels with cash loans for some time now. The role of experts is not limited to finding a fact, but it also includes looking for causes and an attempt to understand: why on holiday we borrow more and more money, how much, what and where.
How many Poles borrow for holidays?
The majority of holiday loans oscillate around PLN 2-10 thousand. Here, the differences between cash e-loans from banks and cash loans from parabanks are quite well seen. The latter are generally lower, but this is rather due to the financial policies of individual entities. Of course, more statistically lending in cities (at the top of the list, as usual in similar combinations Warsaw lands), and the least on the periphery. It is worth noting that for several years it does not matter whether we are talking about eastern or western Poland – the amounts are very even.
Where do we borrow money for the holidays?
In 2019, banks will probably win again in terms of the number of applications for credit for holidays. However, it is the parabanks that arouse greater interest, which may be due to the greater diversity of their offers. For some time, however, in several market studies it is confirmed that borrowers do not care where they borrow money for the holidays. The lender’s brand does not count, only the terms of financing. This situation has been consolidated since the adoption of the Consumer Credit Act, which well regulated the non-bank loans market. We borrow so much for holidays, and maybe it’s worth adding that we are less and less at home – we want to finance our holidays so that no one in our neighborhood knows that we need credit for it. And why do we need it at all?
Is a vacation loan needed?
You may wonder whether financing a loan vacation is the only solution. And probably the only one is not, but there is something that makes it the best solution. In sequence. In travel agencies, finding a vacation date when you look through offers in June or even May is unbelievably difficult. You have to book earlier – in March, in April. And then the money is usually in the budget a little: Holy Easter, First Holy Communion, a little earlier trips to winter holidays and Christmas. It is simply during this period that a lot of expenses accumulate and most people do not have a chance to build up financial surpluses.
The same applies not only to travel agencies, but also to the independent organization of holidays. Accommodation at nocowanie.pl, at Booking or Airbnb simply ends and get more expensive, the closer it is to the holiday season. And besides, everyone wants to have the comfort that when leaving for vacation, he has some more money in his pocket than the bare minimum. So we prefer to borrow before the holidays, so it’s easier to prepare everything.
Is there anything to borrow from?
Many critics point out that we borrow money for luxuries. Following this lead, one can quite the absurd conclusions: that you might as well not borrow, and spend your holidays sitting at home on the couch. Only it is not a good idea to relax. Accommodation in a better hotel or bed and breakfast is not a whim – it’s just a small pleasure that allows you to relax. And on holiday it is not worth eating bread with pate – it is worth jumping out for dinner or supper, not even every day, but at least a few times. You also need to get to somehow somehow, and it becomes more and more expensive. And it really is not about the fact that Poles are indebted for holidays in five-star hotels. Often, a holiday cash loan only allows a few days trip around the nearby area. It is also worth emphasizing that not the distance decides whether holidays are successful – it’s about emotions and experiences, and these sometimes require a delicate tweaking, which unfortunately costs.
Advice for borrowing money for the holidays
Since we have already discussed all of this, it still remains before we part with the wishes of a pleasant holiday, give some good advice for people who are looking to finance holiday travel.
In fact, it does not matter if you borrow money in a parabank or in a bank for a vacation. It is much more important to know what you are signing and what are the actual loan terms. A good cash loan will have a short and flexible contract without too many additional costs.
Pay attention to the possibility of a grace period. With a bit of luck, you’ll be able to arrange a loan so that you do not have to pay installments during your vacation. This will allow more funds to spend on leisure and various attractions.
For a holiday trip, never take the first loan you will see. Check, compare offers and see under what conditions you can build your loan. Also, take into account that at least in the case of organized trips, good credit conditions will often be provided by the travel agency itself.
On holiday, it’s better to borrow more than it appears from basic bills. What you can not give away, you can give away, and with more in your pocket, you do not have to stick to your vacation and deny yourself some small pleasures. Therefore, rent it carefully, but boldly – an additional two hundred or three hundred zlotys of credit will not drastically affect the amount of monthly installments.