Travel credit: what if you go far to celebrate Christmas?

And if this year, you decided to leave the greyness and the monotony of France for Christmas?

Hot and sunny or cold and exotic, many destinations are particularly suitable for end-of-year celebrations.

From Lapland to Thailand via New York, here are four ideas for destinations to celebrate Christmas away from home!

Travel credit for the occasion

A trip to Australia, Asia or even the United States is expensive. And the bill may increase depending on your program on site!

To leave with peace of mind, it is possible to take out a travel credit (form of consumer credit) to finance your Christmas holidays, the most beautiful gift for sure!

1. In New York, it’s Christmas time!

1. In New York, it

New York represents a dream destination omnipresent in the culture across the Atlantic.

For the end-of-year celebrations, the American metropolis offers a host of amenities and exotic activities.

On the program: an ice rink at the foot of the Rockefeller Center fir tree, concerts in Central Park, animated showcases on the side of Time Square… And a festive atmosphere that you won’t find anywhere else!

2. In Thailand, in a t-shirt under the sun

2. In Thailand, in a t-shirt under the sun

Do you dream of swapping fir and snowman for a sandy beach and coconut palms? Direction the beaches of Southern Thailand.

Winter is the ideal time to go to Southeast Asia and celebrate the end-of-year celebrations in a new way, in the Tropics. Here, the magic of Christmas is first of all that of the illuminations, decorations and animations.

And above all, it’s hard not to succumb to this strange and pleasant feeling of spending Christmas in a t-shirt!

3. In Lapland, in the country of Santa Claus

3. In Lapland, in the country of Santa Claus

Who has never dreamed of spending the holiday season in the country of Santa Claus. It is at the end of December that the magic of Northern Europe takes on its full meaning. Visit Rovaniemi, the famous village of Santa Claus, and try out all kinds of winter activities under the northern lights. On the program: snowshoe hikes, dog sled rides, ski descents…

4. In Australia it’s Christmas in songs

4. In Australia it

Experience a Christmas like no other by flying to Australia. Like almost everywhere in the world, the Christmas tradition is deeply rooted in manners, even if it is not uncommon to celebrate the end of year celebrations in swimsuits.

We are particularly fond of Christmas carols and we traditionally enjoy a bone-in ham cooked with honey and a candied fruit pudding!

Find your consumer loan at the best rate, it’s easy and free!

Car loan – choose the best loan for you!

Are you planning to buy a new car? Are you wondering where to get money for it? With these decisions in mind, banks have introduced a special type of loan to facilitate the purchase of their dream vehicle. Car loan , because we are talking about it, is a wide financing offer that will help you meet this goal. So which one should you choose?

 

What is a car loan?

What is a car loan?

A car loan is a type of loan focused on the purchase or financing of a given vehicle. Therefore, the bank does not grant a general loan in the form of money for any purpose – the loan is focused on a specific expenditure. An automotive loan, contrary to appearances, does not have to be focused on buying only cars. Motorcycles, motorhomes, motor boats, caravans and even tractors fall into this category.

 

Types of car loans

Types of car loans

The cheapest car loan is one whose interest rate doesn’t keep us awake at night. There are currently 3 types of car loans:

  • standard car loan – monthly repayment of previously specified installments (from six months to even 10 years of repayment)
  • one-time car loan – a loan offered by car banks cooperating with a given car distributor. To use it, a down payment is required. Although it seems to be not occasional, it is worth noting that it is not interest-bearing.
  • balloon car loan – 80% of installments contain a small amount, only the last installment is the remaining value of the entire loan.

 

Car loan ranking

Car loan

To make car loan decisions easier, it’s a good idea to browse the market, considering all competitors’ offers. When deciding on a suitable bank that will offer us such a solution, it is worth considering the interest rate, APRC and of course the installment. Let’s take a look at the five most popular banks that can use a car loan.

For comparison – if we extend the installment period (e.g. 24 months, so twice), the installment in the case of Getin Bank changes to $ 1818. However, if we stay at 12 months, but decide to take a different amount, the installment will increase or decrease. For 30,000, it will be 2,600 USD, and for 50,000 – over 4,300 USD. In this example you can see that each, the slightest change has a real impact on the final receipt of the offer.
It is worth noting here that in the case of full calculation and calculation of installments, the Real Annual Interest Rate should be taken into account, not the interest rate itself.

Currently, companies and websites propose calculators and rankings, which browse and extract offers that meet our needs. The only thing we will need for such a ranking is the amount of loan taken and the number of installments / months to pay it back. That is why it is worth thinking about your own needs and the possibilities of their implementation.

 

Car loan calculator

Car loan calculator

Currently, there are free calculators on the market that will help us in choosing the right loan. To view the full offer we will need information such as the amount of the loan, the loan period in months, the price of the car and the age of the target car. Often, calculators ask us about expectations regarding interest rates or the number of installments on an annual basis. For example – by applying for a loan in the amount of $ 60,000, with an interest rate of 7% and a 4-year loan period, each installment will be over $ 1,400, giving more than 8,000 interest in total.

This method of calculation is very helpful and can actually contribute to the selection of the ideal offer. Remember, however, that this is only a hint, not a final decal, which should be interpreted uncritically.